davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit has been frozen at the 3 Cr Bureaus for 5+ yrs. Scammer unfroze my XXXX acc and applied ( XXXX ) & obtained a Capital One/Walmart XXXX ( XXXX ). I got the card in mail at my home address ( XXXX ). So did he/she. I called and reported the Fraud to Cap One and stopped any use of said cards. 
He/she also tried to open a XXXX XXXX c/c, which was denied for lack of supporting docs ( XXXX ). I've spoken to XXXX as well. 
He/she also got onto XXXX and used my acc there to order ~ {$1000.00} worth of restaurant gift cards & merch to his/her address ( XXXX ). I've reported that as fraud also. I've returned the one item that was fradulently ordered & sent to my home to get refund. I've gotten new cards and mbr # from XXXX ( XXXX ). 
He/she also hacked into my XXXX XXXX XXXX XXXX ) and tried to access a XXXX service XXXX XXXX to XXXX money to others. XXXX was advised of fraud ( XXXX ). I have since shut down those acc. too ( XXXX )
Consumer complaint received 2022-07-06
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. (MD)

In accordance with the Fair Credit Reporting act account XXXX  # 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 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Amsher Collection Services, Inc. (TX)

This debt listed with Amsher Collection Services , Inc. is a duplicate entry for the same debt The XXXX XXXX and XXXX XXXX XXXX previously listed on all my credit reports with all credit bureaus. I have made several attempts over the past several days via telephone for Amsher Collection Services , Inc. to verify proof that I used the services provided by XXXX. I have requested Amsher Collection Services to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with twelve ( 12 ) months of billing statements showing I used the services, all to no avail. The response I received was That information is not available at this time. I have requested this information via certified mail on XX/XX/ and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian have changed my address without my knowledge or permission and because i do not know that address they refuse to send my credit report to me or provide it to me. 

I live in a protected address system and Experian are endangering my life and causing havoc with my financial status because they have changed my address to something i have never heard of and certainly never lived at. 

I have a court order from a judge that my address be kept confidential due to attempts on my life and now Experian are endangering my life because they will not recognise my address is the same for the last 15 years and has not changed, they have changed it for some reason when i do not have any cards or applications for credit or accounts in any new or different address.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I received a letter from a collection agency called XXXX XXXX XXXX on XX/XX/XXXX. The letter was dated XX/XX/XXXX. I sent them a letter asking for validation on XX/XX/XXXX. which I will enclose a copy of all correspondence with all parties within the request. The letter was received by them on XX/XX/XXXX via USPS. XXXX XXXX XXXX illegally added this onto my credit report on XX/XX/XXXX. They have not sent me anything in regard to validation. Under the FCRA, it states that the collection agency has to wait a full 30 day period before furnishing information to the credit bureau. They did not. They illegally added it onto my file to damage my credit to get me to pay an unverified debt. I called them and spoke with XXXX XXXX ( A customer service representative ) and XXXX XXXX A manager that did not disclose his last name ) and explained that this was illegal for them to do. I asked them to remove it today and they stated that they do not add or remove accounts. Then XXXX switched up her statement and stated that they never added it to my credit report, however, I have proof that they did. They said they may send a request to delete it from my file, but they did not want to provide me any paperwork disclosing that or confirming their promise. This is hurting my credit rating because I am buying a home which is now causing me to have XXXX and emotional distress. They knew that they illegally sent this over to the credit agencies to scare me into paying for the debt that is not mine. 

I spoke with Experian, and they stated that they did not receive anything from them and advised me to dispute it. I disputed it under Identify theft since I have not been at a medical center in 2019. I spoke with XXXX from Experian at XXXX XXXX  and he did not help at all after I explained that XXXX XXXX systems broke the law. Experian has not followed the FCRA In verifying this information. They did not do anything regarding this illegal account.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CO)

Totally unexpected I got letters from my bank, USBank, saying they were closing my three checking/savings accounts in 10 business days. The letters to me were delayed by the XX/XX/XXXX holiday such that once I got the letters I now only have 5 business days before the accounts are closed. I spent time on the phone and in person at my branch with Customer Service. They showed me the agreement which says they can close my accounts for any reason at any time. The thing is I have had these accounts and a relationship with USBank for over 25 years. And my credit score and financial history is exemplary. I am shocked and totally confused why they are doing this, and why they will not give me a reason for these actions.
Consumer complaint received 2022-09-26
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im speechless. AGAIN, this circumstance is making me sick! Experian and CFPB are impervious to my complaint. I retain sending abundant sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing occurred. It seems that they are likely to disregard the trend and let these fraudulent accounts affect my credit score. They are destined to obey the FCRA regulation section 605b but I think they are negligent about this matter. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report and my Police Report to them but still nothing has been altered. They became negligent of the FCRA law and continued reporting this information on my Credit File without Appropriate Authorization or Examination. I am an identity theft victim and I want you to do your part and REMOVE these items that caused me so much stress. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2022-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

I have contacted GM financial a few times. The term is incorrectly stated online and on loan detail welcome letter at 73-month term. I signed an auto loan with a 72-month term. I have contacted them 3 times by phone and filed an online GM complaint. The phone calls say they see the issue and I signed a 72-month term but they claim they cant adjust it. The email convos just claim Im wrong and it is a 73-month term. I have the signed agreement and it states 72. I can provide the signed agreement if its needed.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: SECURITY FINANCE CORP (VA)

On XX/XX/2022 I had a dealership send out multiple inquiries to different financial institutions. I did not fill out an application, nor did I give permission for my credit to be ran. There was no vehicle that I had applied for at that time. I had visited XXXX  XXXX on XX/XX/2022 and had the finance representative falsify my credit application and forge my signature on the contract. I wrote a letter and mailed it on XX/XX/2022 to different financial institutions and included their letter they sent me declining me for a loan that I didn't even apply for. In this letter I sent, I wrote in bold letters, " I am officially requesting a copy of my specific decline reason ( s ). I am officially disputing my credit application. '' On XX/XX/2022 I received a letter from XXXX XXXX at Security Finance Customer Relations & Consumer Disputes on behalf of Professional Financial Services of VA LLC stating " Since the inquiry was made during the loan process, the inquiry is permissible and should not be removed. '' I left XXXX XXXX a voicemail to return my call. She called me back on XX/XX/2022 and I told her that what she said in the letter was not accurate and I asked where she got her information. She could not tell me where she got her information from. I told her that I did not submit that application and they should have investigated my dispute before dismissing it. I also asked her why I hadn't received my letter with my specific decline reasons and she had no idea what I was talking about. I told her multiple times that I requested to have a copy of my decline reason ( s ) so I could further dispute it. She told me they already sent me the letter saying I was declined. I had to argue with her and tell her she legally is obligated to send me an Adverse Action Letter based off the Fair Credit Reporting Act. I told her I am a manager at a bank and am well aware of the Regulations we have to follow and what my rights are as a consumer. Once I said that, she placed me on hold and came back and said she would send it to me. If I hadn't told her that I knew my rights and named the regulation, she would have continued to refuse my request. How many other people has she turned away that has asked for that.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

I last made the annual fee payment of {$59.00} in XX/XX/XXXX. On XX/XX/XXXX I went online to the Citi website and sent them a message under their help section asking them to cancel my account and credit card. I thought it was then closed. I next received a statement from Best Buy dated XX/XX/XXXX that stated there was no amount due on the account. Citi handles the Best Buy Visa account. Then I received a form letter from Citi dated XX/XX/XXXX and a text dated XX/XX/XXXX that said my account was past due. I logged on to the Best Buy " accountonline '' and their account information said i owed {$120.00} past due for XXXX XXXX, XXXX. 
Then I sent a letter to their address for Citi at XXXX XXXX XXXX, XXXX XXXX SD XXXX with the above history and once again asked them to cancel the card immediately and that I did not owe them. I did not receive a response to my letter. 
I called Citi today, XX/XX/XXXX at XXXX and explained the above history and asked for a waiver of my fees to a representative who then said she had discussed it with customer service and they denied my claim.
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Account Name : NCB Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$62.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00}
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

Venmo froze my account after I tried to link my bank account with XXXX  XXXX to withdrawl my funds. I continue to ask why its frozen and have submitted all requested documents to have it unfrozen and I get no answers as my money sits in Venmo unable to be spent or transferred. Each time I ask they said theyre escalating to a special team and I never hear anything back. They are holding my own funds from me.
Consumer complaint received 2019-06-21
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: GreenSky, LLC (CA)

NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX, SINCE I HAVE BEEN A VICTIM OF N IDENTITY THEFT, BUT FOR SOME REASON XXXX   REFUSES TO HELP ME IN RESOLVING THIS ISSUE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT.
Consumer complaint received 2021-04-15
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. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (FL)

Receive information on my credit report pertaining to medical collections owed of {$220.00}. I'm not aware of going to an urgent nor did I got to a doctors office. 

Original creditor XXXX XXXX XXXX  Collections - FINANCIAL DATA SYSTEM
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (PA)

When i went to get a car they pulled up my credit report and i said all these fraudulent accounts and all these inquiries 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 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 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XX/XX/2021, XX/XX/2021,XX/XX/2021,XX/XX/2021 I've disputed inaccurate information and have not got a respond FCRA LAW requires 30 days its been 4 months without any verification, validation or investigation tooken.
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I have tried for over 6 months to bring my account up to date. I had to file a previous complaint to correct my principal balance from a previous modification. On XX/XX/2022 I received a letter stating my modification was denied. I feel the denial is in error because both my wife and I XXXX XXXX XXXX XXXX income which was not grossed up by 25 %. I'm also unsure at what interest rate my request for a modification is being reviewed for. 

I also had a change in circumstance, my son will contribute {$1500.00} towards household expenses including the mortgage payment.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I would like to change the way I pay insurance and property taxes and I have been trying to get in touch with Truist for over a week now. The call wait times to speak to a representative about this have exceeded 60 minutes every single time. Not once have I been put through to talk to someone even after having waiting on the phone for over an hour. This is unacceptable and not consumer friendly behavior. As a homeowner, I should have the option to change my options in a reasonable manner with reasonable effort. I do no believe Truist has served it's consumers with this expectation. There is no other way to contact them without a visit to a branch.
Consumer complaint received 2021-06-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

I contact Navient on XX/XX/2021 about the late payments. They asked me if I am going to make the payments. I told them that I can not make the payments because of my work wages are not cover that monthly payment. I am currently still in school as part-time. 

Unfortunely I was taking one class because I had mental issues. I could take two classes but my mental issues hit me the hardest. So Navient had remove me from school deferment and start to demand me to make the payments on time. I can not afford that amount. 

I have tried to explain to them my situation and still make the demand for the payments which I still can't.