davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (IL)

I have had a Target credit card for 8 years since XX/XX/XXXX. I understand that TD Bank runs the credit card. I have paid on time, every month, always. Last month on XX/XX/XXXX, I did my online payment ahead of the due date. 2 days later on XX/XX/XXXX, this payment was returned and a returned fee payment of {$28.00} was charged on top of it. I called Target the next day to inquire, and they told me Accounting had not posted the reason for the issue and asked me to call back another day. 

I called again the following week, and was told they could not reverse the fee because THEY were not the ones who charged it, but the bank. They were unsympathetic and I filed a dispute. Afterwards, upon looking through the transaction history, I discovered that somehow, when I was making my normal online payment, an old bank account was selected instead of my current one. I believe that was my old XXXX XXXX XXXX account which I closed a few years ago ; I recognized the last four digits. I did not make this error to my recollection ; I recall selecting my XXXX bank account, which is open and has a healthy balance. Something happened in transit ; one will never know now. 

( As a side bar, I purposely don't do auto-pay with my Target card because of their security breach a few years back. It has been because of loss of trust that I have been painstakingly paying manually every month. ) On XX/XX/XXXX, I got back on the phone with them today and still they told me this error is on ME, so THEY can not do anything - not even issue some kind of credit. They showed appreciation that I've been a loyal customer who has paid on time for 8 years, but they did not explore ANYTHING on my behalf to mitigate this situation. I was at wit 's end, and asked to close my card on the spot. 

I am simply appalled by their lack of ownership and treatment. I don't care about {$28.00}, but I do care about customer experience and breach of a relationship of trust. This was a horrible experience that took more time and energy than I can give. I'd like to warn other users of the Target credit card against potential flaws in their payment system that can result in unexpected fees.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

The Dept. of Education keeps reporting different information multiple times across multiple credit reporting agencies. The same loan is reported twice on all reports. The two loans are being re-aged every other year too. These loans are from XXXX from a school that closed, changes hands, and turned out to be a scam.
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Account # XXXX {$60000.00} Auto loan Section 807 False misleading XXXX is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$720.00} XXXX is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$11000.00} remove all inquiries Listed below XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Failure to respond satisfactorily within 5 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

I 'm have been disputing account with XXXX XXXX acct XXXX XXXX account and XXXX XXXX XXXX financial that was deleted 12 times Experian is real slow on disputing they send me letters stating if I do n't show proof they will stop disputing these accounts according too the fcra they will dispute 24-7 365 that 's the law and theres ally loan sum of {$37000.00} not mine some one with similar name I have deleted the XXXX acct that 's why it only has XXXX didgit account XXXX due too been removed 5 times know back on XXXX XXXX XXXX was deleted 12 times back on ally for sum of {$37000.00} deleted 5 times XXXX credit card not mine some one with similar name deleted 4 times all these are back on XXXX was sued XXXX fdcpa vilotation lawyer asked me not too state there name at this time Experian does what they want they neglect your dispute its legal dispute letters from attorney general office even from there credit montoring I guess they scam people I was promised 24 months of free credit monitoring from them due too identity theft got nothing from them they know I 'm victim been sent numerous letters too there XXXX XXXX office and XXXX office as well I 'm trying too get my life back 12 months ago I was XXXX fico know I do n't know they want provide me with score with all this mess going on please help me thanks
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.
Consumer complaint received 2019-10-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NJ)

I had a small personal loan with this institution for almost 1 year to make small investments as work as a checking account and personal loan of {$500.00}. 
Back in XX/XX/XXXX I called the company to find out why my investments were not moving at all plus I paid off my small loan early. 
I was told they would look into it and call me back after their investigation. In the mean time they suggested I reopen for another small loan to keep my credit report in good standing. I agreed and received loan. 
In watching my account I still noticed my investments were not moving. I called and was told investments were no longer available and I could not do anything with it until my new loan was paid off. I stated why was I not advised of this information. I would have never taken out the small loan again and just closed out my account and take what was in there.

Now today I get an alert from my 3 credit bureaus stating my score went down .45 points because moneylion claims my account is closed. I again called them and they said my accounts were open and I can dispute with credit bureaus myself. I told them absolutely NOT your company reported it now you fix it. I also requested a manager to come on the line to handle this issue along with the investment account issue. Well they put me on hold for a total of 1 Hr and 56 mins and never came back in the line. While being on hold I used my landline phone and called took 30 mins to get through to them. I explained about being on hold along with my issues. He said I will either get a call, or email from company trying to fix the credit report however I can not remove my investment until new loan is paid off. Do it just sits there. I told him I want a personal phone call not an email regarding my problem. I did not appreciate being put on hold for almost 2 hrs and still no one picked up the other line and that I would be reporting them to your offices. I am XXXX and dont appreciate being taken advantage of. I want my investment money back my credit report fixed.
Consumer complaint received 2022-12-03
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. (TX)

I am a victim of Identity Theft and Transunion is being negligent in aiding me in resolving these fraudulent accounts. I am attached my FTC report and documentation for Transunion to review.
Consumer complaint received 2019-10-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

XX/XX/2019, XXXX XXXX contacted me stating that I qualified for refinancing on FHA loan due to making payments on time. 
He was giving all the required paperwork and signatures. My information was forwarded to another company ( XXXX XXXX XXXX XXXX ). I was contacted by their Loan Processor XXXX XXXX to finish the process. I asked her if the XXXX mortgage payment could be skipped since we were refinancing. She told me that she would update the loan amount and that it would take a few days. She told me that she would contact me if there was an issue with skipping the payment. I never heard from her or Lakeview Loan Servicing about the status of my refinance. I called XXXX and emailed her as well. I also left voicemail for XXXX to call me back which he never did along with emails. I was finally able to catch XXXX in the office and I asked about the refinancing and he told me that it was cancelled due to missed payment. I was never notified from either companies that the refinancing would be cancelled because of this. They reported the missed payment to the credit bureau. There was no communication for me to make the payment and both companies dropped the ball. I am more upset with Lakeview Loan Servicing for not following up given that they were using XXXX XXXX XXXX for the refinancing. I have never missed a payment until this point and I am being penalized for the lack of professionalism and communication by Lakeview Loan Servicing.They are responsible for using a financing company that did not know how to do their jobs. I have never missed a payment until they came to me with the refinancing option. Someone should have called and communicated with me before it was even report to the credit bureau.
Consumer complaint received 2015-06-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Argon Credit (GA)

I applied for a loan with Argon Credit on line. I was ask to submit documents to verify identity, employment etc. I submitted all requested documents and was informed a decision will be made in 2 days. After 2 days they approved my loan for XXXX and sent me XXXX sign form to sign and send back. I signed the form which is binding and sent back. Later I was sent an email that I had been denied after they had approved me and obtained my signature. I call and spoke with a lady name XXXX who was rude and very unprofessional. Never heard of a financial company approving you for a loan get you to sign documents then reversing there decision but holds the loan documents with my signature. I would like legal advice on how to handle this matter my application could have been denied before I signed my signature. I still the signed documents in my email. Something is not right.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

Company : Exeter Finance Ask to remove this from report due to a misreported information on credit report, also supposed sent to collection companies with different amounts. Also grossly over reported amount owed which severely affected my credit. Original Loan Debt of XXXX Car repossessed on XX/XX/XXXX. Supposedly XXXX XXXX XXXX sold for XXXX in XX/XX/XXXX. However car market had turned so they should have sold at auction no less that XXXX. Plus no deduction for GAP insurance purchased Received correspondence from XXXX, XXXX on behalf of Exeter requesting {$14000.00} on XX/XX/XXXX Received correspondence from XXXX XXXX XXXX on behalf of Exeter requesting {$14000.00} on XX/XX/XXXX Requested debt validation from Exeter and all they sent was original contract in XX/XX/XXXX Exeter sent letter later stating I owed the XXXX. 

Dispute debt with credit bureaus on XX/XX/XXXX and the outstanding balance was updated to over {$200000.00}!!! 

I have copies and screenshots of all this information I have copies and screenshots
Consumer complaint received 2019-10-17
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 — Investigation took more than 30 days
Company: Westlake Services, LLC (PA)

XXXX XXXX XXXX continues to furnish inquiries on credit file. Made several attempts to have inquiry removed. Company failed to respond. Complaint is 30 days without a response. Requested a validation of signature.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My Overview My Recommendations1 Accounts Credit Cards Loans Auto Resources TaxFree audit defense Profile & Settings Back to score details Based on Equifax data Credit changes Current score XXXX XX/XX/XXXX No score change We found no changes to your Equifax credit report. 
Expecting a change that you dont see? Equifax may not have updated your report yet.

Help us improve your experience Was this information helpful?

Yes No XX/XX/XXXX 5 pts to XXXX We found 4 changes to your Equifax credit report.

Balance Decrease XXXX XXXX XXXX XXXX   Balance Decreased by {$57.00} XXXXXXXX XXXX XXXX Balance Decreased by {$96.00} Balance Increase XXXX XXXX XXXX Balance Increased by {$34.00} On-Time Payments XXXX XXXX XXXX 2 Payments Made on Time Hide changes XXXX XXXX No score change We found no changes to your Equifax credit report. 
XX/XX/XXXX pts to XXXX We found 1 change to your Equifax credit report. 
Balance Decrease XXXX XXXX XXXX XXXX Balance Decreased by {$240.00} Hide changes XX/XX/XXXX pts to XXXX We found 1 change to your Equifax credit report. 
Accounts In Collection Removed XXXX  XXXX Account Removed Hide changes
Consumer complaint received 2021-07-26
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. (AL)

I called and spoke with someone a few weeks ago at Equifax explaining that I had a bunch of attempts on my credit report where someone was trying to open accounts in my name. I was told to send in an id theft report which I did then they told me that there were no dates on the report and I would need to resubmit the documentation with dates. I have everything that I was asked to provide on the attached ID theft report. I hope the person that I spoke with was telling the truth & they delete these things.
Consumer complaint received 2019-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (OH)

I sent out a dispute to discover financial about an account on my credit profile that does not belong to me. On XX/XX/2019 i faxed a dispute letter my social security card drivers license utility bill affidavit of identity theft and also a police report which will be included in this complaint. I received a response to my dispute from discover bank on XX/XX/2019 stating that the account ending in XXXX was found to be valid. In my dispute i requested that discover delete the trade line off of my credit report unless they conclude that the trade line item is verified, I requested details of there method of verification used to determine the accuracy and completeness of the information they included about me in a consumer report. In there response to the dispute they did not send over proof that the account belonged to me and they also did not send over there verification methods as i requested there response to my dispute will be attached as well. I spoke with a representative today XX/XX/2019 again about this matter i asked why are they trying to collect on a debt reported as identity theft and the representative told me that my affidavit and police report is not proof of identity theft. This inaccurate information that is being reported about me is causing me serious stress and damaging me financially.
Consumer complaint received 2019-10-17
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 have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (IN)

I filed a claim for unemployment in Indiana my request was grant by XXXX unemployment and by my employer to pay the claim XXXX. My first 7 days was a waiting week. XX/XX/2019 - XX/XX/2019. the 2nd week XXXX I filed my claim on XX/XX/2019 and was paid {$390.00} on XX/XX/2019. 3rd week I filed my claim on XX/XX/2019 and was paid {$390.00} on XX/XX/2019. The 4th week I filed my claim on XX/XX/2019 and was paid {$390.00} on XX/XX/2019. I contacted the Eppic.card company when my first posting on XX/XX/2019 for pay to make sure they had all the information for my debit card they said yes and that my card would arrive in 5 to 7 business days. On the 6 Day I contacted them again because now I had 2 pays in their accounts and no way to get my money without the card. The man started asking me a lot of questions from Eppicard company and transferred me to another agent and that agent said they had to block my card because I didn't answer the question correctly about using the card. The XXXX unemployment personel corrected this problem. I now have 3 pays in my account, and Eppicard company is saying that it takes 7 to 10 business days to receive my card. they are holding my money {$1100.00} Why is it taking so long to get a cards XX/XX/2019. WAITING. Eppicard Phone # XXXX XXXX ) XXXX ( RIDICULOUS )