davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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. (NY)

Im submitting this complaint again to inform you I was the victim of identity theft. Per FCRA section 605b, you are required to remove/block the items listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Consumer Portfolio Services, Inc. (MD)

XX/XX/2020 after reviewing my personal credit report ; a unauthorized inquiry from CONSUMER PORTFOLIO SERVI located at XXXX XXXX XXXX XXXX XXXX, CA XXXX showed on my XXXX  credit file. I'm requesting signed verification or a immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (GA)

I was banking with Simple bank who is now bought out by BBVA. I have not been unable to access my money for two days. I reached out to BBVA multiple times but they refuse to help me access my account. This process was suppose to be a smooth transaction but it is not. I have been without food or gas etc for the last two days. I dont have access to any of my accounts nor does the debit card work
Consumer complaint received 2022-07-23
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. (IN)

In accordance with the Fair Credit Reporting aXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-07-23
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. (IN)

In accordance with the Fair Credit Reporting XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

I disputed this COLLECTION account with XXXX. They concluded? ( How? ) that the debt is mine.. I HAVE NEVER NOT PAYED MY OBLIGATORY INCURRED DEBTS! I have NO IDEA how this collection account from midland Collection came about? I DID NOT OPEN ANY ACCOUNT THAT I HAVE NOT PAID FOR! 
It is NOT mine! HELP ME! I do not owe this money! 
XXXX XXXX
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After reviewing my report I noticed fraudulent accounts reported on my credit history as well as false inquiries that I have no knowledge of. I am upset to know that my information has been accessed for things I did not consent to have and is now affecting my credit score. Please remove all negative reports and inquiries from my credit history as soon as possible!
Consumer complaint received 2021-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (NY)

I have a PayPal 2 % Cashback Card with Synchrony Bank. It was subject to fraud over two weeks ago. I was sent a text stating my card had suspicious activity and that I should call the bank. I call the bank and speak with a helpful person who deactivates my card and tells me a new card is on its way. A week goes by and I am surprised to not receive my card. I go to the website to login to make sure my account is still safe, and it turns out my online access has been deactivated -- which I was never informed of. I call the bank and they inform me that not only was card deleted, but my access to my account ( my outstanding balance, my activity monitoring, etc. ) is no longer something I can access until I get my new card and set up my account again.

So, I ask " Where is this card? '' They sent it snail mail and it can take up to 10 days to get to me. So, I get annoyed that they would take over a week to get me back on my feet after fraud and request that they overnight the card to me. They agree after putting me on hold forever. The card does not come the next day ( Friday ). So I hope that I will see it Monday. Meanwhile, the snail mail card arrives in the mail on Saturday. So, I try to activate that. It's dead because I requested the replacement. This makes sense, so I wait for Monday. No card.

I call again -- they have no record of where they sent the card. No address is included with the shipping information -- even though I gave it to them twice. I ask for them to ship it again and give me the tracking number -- they then put on my hold for 30 minutes and I had to hang up. It's been over two weeks and I still do not have a replacement card.
Consumer complaint received 2018-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of Fort Walton Beach, Inc (AL)

Calling every single day with a robot voice, never a human. Calls have been happening for over 3 months every week day, try to call the number provided and never get an answer, they only leave voicemails. XXXX
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a fraud claim with Bank Of America after {$2600.00} was illegally withdrawn from my account using my PIN number on XX/XX/2020. Bank of America has since determined that those withdrawals were legitimate and have refused to divulge how they have reached that conclusion with me. Furthermore, they have closed my account disallowing me from receiving any benefits from the EDD since I have filed my claim. I have not been reimbursed and every time I contact them, I get a different response. This all violates their own card holder agreement. The principal reason this fraud is occurring to so many people is that Bank of America has issued EDD debit cards without security chips that encrypt sensitive information leaving them vulnerable to fraud via ATM skimmers. Bank of America is avoiding blame, refusing to see this through, and due to their own negligence have further compromised my situation by unjustly closing me account making subsequent payments from the EDD that I am rightfully and legally entitled to unavailable to me due to the banks decision to close my account and offer no recourse. I have filed a police report regarding this matter, the media has contacted me regarding this matter, and I am now reaching out for help to pressure Bank of America to act with integrity. Please help.
Consumer complaint received 2018-05-08
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. (GA)

After Experian mailed me my results of deleting XXXX accounts from my credit report 3 days ago, I received today notice from Experian that they were going to reinsert the XXXX accounts back because Experian claimed I said I claimed fraud in regards to the XXXX accounts.Their claim is inaccurate because : 1 ) Reference XXXX complaint # XXXX, I said that XXXX XXXX was fraudulently reporting that they have possession of my student loans. They sold my loans to another servicer in XX/XX/XXXX and did not have possession since. I was implying that the 3 credit bureaus knew this fact and allowed them to continuously report to them. Thus not properly verifying the information. I stated in lamens terms that the reporting is inaccurate not fraudulent. 

2 ) I also found out that Experian placed a fraud alert on my account yesterday without my expressed written permission. 

3 ) Experian most likely was notified by XXXX about an account that I disputed as Fraudulent on my XXXX credit report, weeks ago. 

4 ) When I logged in to find who was my servicer of my loan, it was not XXXX. It was XXXX, who is the US  Department of Education 's   default resolution group. 

5 ) I have recently consolidated my student loans and another servicer that's not XXXX has possession of the loans currently. 

6 ) I disputed fraud on a different account I located on my Experian report. But the dispute was submitted on XX/XX/XXXX. So the re-insertion letter was not about the account I submitted a dispute for on XX/XX/XXXX because the investigation has barely begun and its too early in it to make a decision. 

Please see the attachments ( One of the screenshots is a sample of what is being reported across all of the loans ). I certify that the claims listed are true to the best of my ability.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XX/XX/2020 I requested a free credited report from the three majors credit bureaus, I had no problem until I was filling out the credit report on TRANS Union web page, as soon as I finish and click for the report, dept. creditors started calling, the only wat they could have possible gotten my phone number is Trans Union shared my Personal Information, I believe this is a violation of my rights.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

I have been having a serious problem with my credit card company. I received a letter dated XX/XX/21 stating that my account was to be credited in the amount of {$1100.00} on XX/XX/21. When I received the next monthly bill, it had NOT been credited. When I contacted them, they stated that the letter was sent in error. 

I have tried to resolve this issue multiple times and keep getting the run around. I then, was told to send a letter to the " Presidential Correspondence Disputes '' in XXXX, XXXXwhich I did on XX/XX/21, to which I got no response as well. 

This is more than frustrating, and I have continued to pay the minimum payment every month, as to not harm my credit. Please help!!!!
Consumer complaint received 2021-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (PA)

Convergent Outsourcing is guilty of collecting junk debts and is attempting to collect a debt that is no longer owed and satisfied over ten years ago. There are FALSE statements written in the letter, stating they are authorized to collect on this account. Under the FCRA the debt is no longer owed. In addition, my name is incorrect as well I and distant relatives have been receiving harassing phone calls from Convergent Outsourcing.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

hello! My NAME IS XXXX XXXX i had service with XXXX  # XXXX on term of one year contract not to be renewed automatically after that i had paid them in advance for the whole year on that terms they still came and service after that and tried to collect money kept sending me bill, i called to explain twice no response in helping instead they send this to collection agency and now i m getting harassed for something i m not responsible! i called collection agency I.C.SYSTEM INC. ( XXXX ) ACCOUNT NO XXXX, EXPLAINING THEM THEY ALSO DONT WANT TO LISTEN INSTEAD THEY WANT ME TO MAKE PAYMENTS, I ASKED THEM WHY SHOULD I PAY FOR SOMETHING I DID NOT ASK FOR BUT STILL NO HELP JUST SAME ANWER SO AS A CUSTOMER I FEEL LIKE THERE IS NO ONE TO LISTEN TO MY STATEMENT BUT TRIES TO CHARGE ME FOR SOMETHING THAT WAS NOT ASKED OR REQUESTED FOR.THANKS LOOKING FORWARD FOR SOMEONE TO HELP ON THIS MATTER.APPRECIATE ANY HELP, XXXX XXXX
Consumer complaint received 2021-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I am having many issues with my student loan through Navient. First thing is University XXXX XXXX never offered me a federal loan. Instead they had me take out this private loan of over {$6000.00}. Now Navient some how has a federal loan which not sure where it came from but now they are saying it isn't under cares act so my interest is accruing even though they say its federal they are saying they are not under the umbrella for this loan. Even though the federal government is the one that supposably picked this loan servicer which I didn't have any say in this, which should not be my problem. Then Navient put my private loan payment on mt federal loan even though check says private loan. Then navient mislead me and said that I have to do income driven payment even though I don't need to. The federal loan servicer ( IDR ) has me certified if it is a federal loan.
Consumer complaint received 2020-06-05
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: Arbor Professional Solutions, Inc. (MI)

On XXXX XXXX I contacted XXXX  in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.
Consumer complaint received 2021-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

the account was never authorized to report on my credit, please see the account below : Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Consumer complaint received 2022-01-01
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. (PA)

A previous address listed under the Personal [ I ] nformation tab of my profile with Experian is reported as a TRADE CONTRACTOR-SPECIAL TRADE, pertain [ ing ] to a business. Having therefore not resided there for several years, any activity associated with this address should necessarily not have anything to do with me. As such, I insist that this information be removed from my credit file/report at once. Same goes for another address listed with Experian. Although, I should add that the latter was an assisted living facility ( i.e. business ) when I was there briefly. I, however, resided in an independent flat/unit, hence address characterisation/description XXXX on my credit report.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I am unable to access my Equifax account to dispute an item on my credit report. When I log in, I get a message saying to please customer service. I spent over an hour with Equifax customer service at phone number XXXX in XXXX and went through extensive verification and they said they would " work on it ''. I received subsequently an email saying it was resolved, but when I tried to log in it gave me the same error. I replied to them by email but did not get any response back. I also called again and they keep saying they will work on it but I have not gotten any written response or phone call back and it is still giving the same error. As a result I am unable to access my Equifax score report through their portal and I am unable to use their online dispute resolution service to address an incorrect item on my credit report.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Us dept of EDU/XXXX XXXX XXXX  IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS.

* 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY

*15 U.S.C 1681 SECTION 604A SECTION 2:IT ALSO STATES CONSUMER REPORTING AGENCY CANNOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK ()

Dear Sir/Madam of the CFPB, On or about XX/XX/2020, I entered into an investment SCAM with XXXX XXXX using my XXXX XXXX XXXX  account to transfer XXXX USD. They then took my funds and failed to repay the money to me upon request. 

It should be noted that the Company is a client of theirs by XXXX XXXX XXXX XXXX committing financial crimes right under their nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. 

Although I am not their client, you can not deny the fact as a respected financial institution in the United States ; they didn't protect me about the risk of this transaction. They as a legitimate Payment Service Provider hereinafter " XXXX '' as all PSPs ( i.e. East West Bank ) are by law required to check acquired Merchants through proper Know-Your-Customer ( KYC ) and Anti-Money-Laundering ( AML ) procedures! It is apparent that the merchant ( the Company ) has never been examined by their organization! 

There is no need for particularly intensive KYC/AML checks to identify illegal broker schemes and fraudulent operators. Alarm bells for PSPs must ring at the latest when investor warnings from regulatory watchdogs reach the market. Moreover, measures have to be taken to avoid punishment by regulators and courts. 

As a regulated and licensed financial institution in the United States, they have strict statutory and regulatory obligations to monitor transactions and report any suspicious activities to law enforcement authorities
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have noticed inaccuracies on my report. I have made these inaccuracies known to Equifax. Nothing has been corrected and Equifax has claimed to have investigated and verified the accuracy of the information. These accounts are incorrect and are adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Equifax has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since Equifax has allowed such to exist on my report.