davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BOEING EMPLOYEES CREDIT UNION (OR)

Received a letter from BECU ( Boeing Employee Credit Union ) saying I had taken out a loan and my payment was overdue. When I called to verify what the bill was and that I had not taken out a loan with them they directed me to their webpage to dispute and wanted me to fill out an IDENTITY THEFT AFFIDAVIT. This form collects all my personal information. When I asked them about it, they said that was the only was to dispute the claim. I said I was uncomfortable providing that information when they should clearly already have it. They said that there was nothing they could do until they had that information and the debt owed would be reported to the credit reporting agencies. From the letter I can not tell what information they have about me other than my mailing address. When I check their website, it all looks legit. What am I supposed to do in a situation like this? Just ignore it? Please advise. Let me know if there is additional information you need.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NJ)

The American Express team cancelled my card for no apparent reason. Someone made a fradulent charge in the amount of {$1000.00} last month. I contacted the police and I have a complaint number.Someone in XXXX, NJ used my card fraudulently. I was in the process of setting up a new checking account to make the regular {$40.00} payment to American Express. They cancelled my cards and I would like to re instate the account. I never have a problem with making payments. I think that someone is hacking my cellular phone and personal information. They caused me to ruin my accounts. I never had a problem like this previously. I had this card since I graduated from college.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

I called the bank for assistance when my check for {$150000.00}? was not deposited to my checking account. The check should have been deposited on XX/XX/2022. I have called the bank several occasions and waited on hold for an hour or more only to be told they have not received my payroll check from the XXXX XXXX XXXX XXXX. My XXXX  and I verified that my routing number and checking account number provided are correct. I visited the back twice in person. The first time on XXXX XXXX I was told Truist/ SunTrust had not received my payroll check. This past Saturday XXXX I visited the XXXX Truist located at XXXX H XXXX XXXX. The Bank Manager called a Truist department that stated my check received on XXXX XXXX was held because it didn't match an account number. If this is true why did I receive my payroll check on XXXX XXXX for {$1500.00} from the same employer. Today is XXXX XXXX and Truist has yet to deposit the check into my account nor have they forwarded the funds back to the XXXX Department XXXX XXXX. I suspect I am not alone in this debacle. Hence the hour long holds on the customer service line since the merger in XXXX XXXX also provided a trace number and still was being told Truist didn't have my check.
Consumer complaint received 2022-03-16
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: CITIZENS FINANCIAL GROUP, INC. (GA)

XX/XX/XXXX between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account XXXX : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-05-06
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. (TX)

In accordance with the Fair Credit Reporting act ; the following has violated my rights. 
XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 an account without my written instructions
Consumer complaint received 2022-03-16
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. (NV)

ATTENTION TO TRANSUNION, XXXX, XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with the companies reporting inquiries to mu file. I recently discovered through my monitoring service these account being reported I made efforts to remove these accounts from my file as I have submitted to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire these inquiries. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter. 

Inquires reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (MO)

After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. So I then sent them a letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) disputing their claim and requesting proper validation. NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Selection. I asked for competent evidence that I have any legal obligation to pay them. I have not received this information. The letter was sent certified with tracking number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

I received notice in the mail by a Credence XXXX XXXX XXXX that I owed them {$2400.00} showing account number XXXX and creditor number XXXX This is a fraud account this is not mine. I already contacted the creditor and fraud was placed and investigated under my name. I have been with XXXX for the past 3 years so there is no way I owe XXXX XXXX XXXX as this is showing up on my credit stating it was opened XX/XX/2022 which again is fraud I am with XXXX. I submitted an identity theft report and contacted local authorities along with XXXX XXXX XXXX to have this investigated and removed. Credence did not send notice that they were placing this on my credit 5 days before like stated in FCRA meaning they violated my consumer rights along with XXXX XXXX XXXX not sending me notice either. When I called them I told them this is a fraud case and they ignored me and went ahead and still placed this on my credit report. I am purchasing a home this month and this caused a BIG issue with my lender. I am upset and irritated of the irresponsibility of this company and how they failed to notify me of this account before adding it to my credit when the account does not belong to me. Attached please find my identity theft report along with identification and the letter I received in the mail by the company above.
Consumer complaint received 2024-03-26
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SECURITY FINANCE CORP (GA)

I  AM NOT LIABLE FOR THIS DEBT WITH SECURITY FINANCE,I DO NOT HAVE A CONTRACT WITH( SECURITY FINANCE ), THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX3

XXXX XXXX XXXX XXXX, SC
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I applied for mortgage assistance, and have been told on each call that I am in the decision process. I was even given an extension on the forbearance financial assistance I applied for back in XXXX of 2020. Still having no job due to covid and the need to attend school recertification to gain employment no payment could be made without sacrificing other items needed to get back to status quo. My request was to place the missed payments at the end of the contract, which there is no reason this could not be done. I received a call, no notice, no email, nothing to inform me this might be done and I can appeal the process or the process to appeal the process. They have immediately reported the payments as late making it almost impossible to refinance the property at a reasonable rate. I dont have any documentation to send because all I have received is a phone call.
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

The collections account in question was opened on XX/XX/XXXX with an original balance of {$290.00}. For over four years I have attempted to dispute or make contact with the company. I never received a notice of rights to dispute as shown in the attached document of the first notice I received. I have spoken with agents of this company asking for further verification of the debt in question. I have never heard back from Grant & Weber with additional verification of the original debt owed. 

In XXXX I was on XXXX in California and my cost of medical care was {$0.00}. I was never contacted by XXXX XXXX XXXX about this debt. I am unaware of what medical care or procedure was performed by this group. I was informed via phone call that Grant & Weber would attempt to verify records that I received, and was billed for, medical care through XXXX XXXX XXXX and there has been no communication back. This collection continues to negatively affect my XXXX XXXX and credibility as a borrower. The most recent update to my account with them was on XX/XX/XXXX with a balance of {$450.00}. 

I refuse to pay this debt until it is proven and verified by XXXX XXXX XXXX. Otherwise, I continue to view this as a fraudulent charge as there is no proof of original bill.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Plus Inc (PA)

I have two credit inquiries on my credit report that I did not do from Credit plus on the XXXX and XXXX of XX/XX/2022. I did not authorize and of the inquiries and have no idea. Kindly assist.
Consumer complaint received 2024-03-11
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)

PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the XXXX major credit bureaus ( XXXX, XXXX, and Equifax ) : Account Number : XXXX and XXXX do not provide an account number. Equifax reports an account number that is partially masked as " XXXX. '' Account Type : All XXXX  bureaus report an " Open Account '' as the account type. Account Type - Detail : All XXXX  bureaus report " Open Account '' as the account type detail. Bureau Code : All XXXX  bureaus report " Individual Account '' as the bureau code. Account Status : Equifax reports " Notsatisfying XXXX '' as the account status, which is not reported by the other bureaus. Monthly Payment : Equifax reports a monthly payment of " {$0.00}, '' while XXXX and XXXX do not provide this information. Date Opened : Equifax reports a date opened of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. Balance : Equifax reports a balance of " {$2000.00}, '' while XXXX and XXXX do not provide this information. High Credit : Equifax reports a high credit of " {$2600.00}, '' while XXXX and XXXX do not provide this information. Credit Limit : Equifax does not report a credit limit, while XXXX and XXXX do not provide this information. Past Due : None of the bureaus report past due information. Payment Status : Equifax reports " At least XXXX  days or more than XXXX payments past due '' as the payment status, which is not reported by the other bureaus. Last Reported : Equifax reports a " Last Reported '' date of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. Date Last Active : Equifax reports a " Date Last Active '' of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. Date of Last Payment : None of the bureaus report a date of the last payment. XXXX Payment History : Equifax reports `` OK '' for most months, with XXXX instance of " CO '' ( which typically means charge-off ). XXXX and XXXX do not provide this information.
Consumer complaint received 2022-10-24
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. (LA)

It has been and on-going issue with Experian, XXXX and XXXX as for my attempts to correct information on all three of the credit reporting agencies. They have allowed several unknown persons to change my personal information and have my mail sent to them. All of which I did not give consent to the credit reporting agencies, nor was I aware of the new address changes until XXXX, when I started trying to get my credit in order, only to find many questionable items on my reports. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, listings of past due payments, collects dates, late payment all of which are inaccurate and unlawfully on my report. All three credit reports have completely different information listed on them. This is clearly grounds for removal they also violated my rights under XXXX XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more than 30 days to complete my investigation on these accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, 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 2024-03-11
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: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute an inaccurate late payment entry on my credit report. I have consistently made payments on time for this account, and it is causing me immense stress to see this incorrect late payment entry. I have never faltered in my commitment to timely payments.
Consumer complaint received 2022-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

Aidvantage was sold my loan by XXXX. They have just recently become the active servicer for my loan and became listed on my credit report and other places as such. On XX/XX/XXXX and XXXX I received notifications to my email from the credit services I subscribe to that my score had dropped XXXX whole points.. I have been working on my credit for a year and this took all of that away..

It seems that Aidvantage placed remarks with all 3 credit bureaus. On XXXX they reported that my loan balance increased by over {$6000.00} and that I had made XXXX on time payments. 
XXXX said that Aidvantage raised my credit limit and that there was an increase in my loan balance and it was now over {$31000.00} None of these remarks are factual, for one the interest rates have been at zero and payments have been and will be on hold until XX/XX/XXXX. I placed several calls to Aidvantage. The first representative told me to hold while she looked into the account and 18 minutes later I got the automated rate your call message.. So I called back this time the representative told me that She can not see anything on my account that would have caused them to report to the credit bureau she also said that they had no phone number for me to talk to the Department that was responsible for this happening but that I could write them a letter and proceeded to give me an address to do so.. Aidvantage has completely ruined my credit and my chances at getting a house and the only thing they can say is write a letter?! I am not sure why XXXX chose to sell to these people but they are awful and they do not care to fix what they messed up. In XXXX I received a 100 % loan forgiveness notification as well for these same loans that they are reporting to the credit bureaus and when I asked the representative about that she said she does not see it has been reported to them. Which I did reach out to student.gov who verified the forgiveness was approved and to give it a little more time and check back again which I plan to continue to do. If this company knew they could not handle the magnitude of new accounts that would be coming to them from XXXX they should have never signed on to do so.. You can not just inaccurately report on peoples credit and then do nothing to correct it.. This is unacceptable.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX. 
On XX/XX/2021, I received texts and emails from Citibank notifying me that my account was being charged from another state. As soon as I click NO on the YES/NO quick respond feature, I received a phone call from Citibank Fraud Protection Department , a male  agent told me that this conversation was recorded and my account was temporarily blocked and a replacement card will be sent to me in a couple of days to my verified address and he instructed me to activate it in order to have access to my account again. He said that my account has been taken care of and need not worry and in the meantime, I might receive more notifications from my account via text or email, just ignore them. I received this phone call late evening. the next morning I received texts and emails notifying me that I sent {$2500.00} out two times to someone that I don't know via XXXX ( I'd never enable this service with Citibank ). I called Citibank right away and report it and open a dispute ( reference # XXXX ). Citibank took my case but then denied it. I contacted Citibank and reopen the dispute again ( Reference # XXXX ) and I got the same result. My Citibank credit card also got unauthorized charged 2 days later, it seems like my Citibank accounts had been manipulated by hacker or insiders. Now i'm reaching out to CFPB for help, please help me!