davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-28
Product: Credit card — 
Issue: Transaction issue — 
Company: NAVY FEDERAL CREDIT UNION (HI)

I made a purchase through XXXX to a company in XXXX. XXXX completed the foreign transaction and the seller was charged the foreign transaction fees. On my last credit card statement I was charged a foreign transaction fee. This fee is fraudulent. The credit card company did not process a foreign transaction and therefore can not charge a foreign transaction fee. Their excuse was there is XXXX writing in the description.
Consumer complaint received 2022-08-26
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Onity Group Inc. (GA)

WE ARE IN RECEIPT OF CORRESPONDENCE FROM XXXX AND XXXX REGARDING CFPB COMPLAINT XXXX AND XXXX. 
PLEASE NOTE ALL SUBMITTED COMMUNICATION IS FRAUDULENT. COMMUNICATE SENT VIA XXXX WHICH CONSTITUTE MAIL FRAUD AND IF SENT TO CFPB VIA EMAIL IS CYBER FRAUD. OUR SIGNATURES WERE COPIED AND PASTED AND OR LIFTED ONTO THESE DOCUMENTS, WE HAVE NEVER SEEN NR RECEIVED ABULK OF THESE DOCUMENTS. XXXX AND XXXX ARE VERY AWARE OF THE SITUATION AND IS POSSIBLY WORKING WITH LEAGL COUNSEL FROM XXXX XXXX WHICH IS A CONFLICT. 

THIS INDIVIDUAL WAS VISITING XXXX XXXX XXXX AND DOCUMENTS WERE TAKEN PERTAINING TO XXXX XXXX XXXX XXXX. IF THIS LAWFIRM IS RECEIVING FEEDBACK FRO, THE BRC TRUSTEE XXXX XXXX XXXX, AFTER INVESTIGATION, IT HAS BEEN CONCLUDED HE ABANDONED ALL REAL PROPERTIES DUE TO MORTGAGE FRAUD, WE HAVE ID THEFT AND IN ORDER TO MAKE MONEY FROM THIS CASE HE ABANDONED THE PROPERTY COLLECTED PMI.WE NEVER RECEIVED A LOAN FOR A MORTGAGE. 

THIS WAS REVEALED AFTER BEING NOTIFID BY A FEDERAL AGENCY O ID THEFT AND FRAUD. THE CLOSING WAS STAGE AND FRAUDULENT. XXXX XXXX AND XXXX APPEARED TO HAVE HAD STRAWBUYERS WHO WOULD STEAL PROPESPECTIVE HOME BUYERS IDENTITIES AND LOANS WOULD BE OBTAINED USING VARIOUS INDIVIDUALS NAMES AND MORE, ALL MONEY WAS DIVIDED WITH THEIR STRAWBUYERS, THERE WAS NEVER A LOAN PROVIDED. WHERE ARE YOU GETTING A XXXX DATE FROM? 

SOME OF THE ATTACHED DOCUMENTS ARE ILLEGIBLE. 
( PLEASE EXCUSE ANY TYPOS )
Consumer complaint received 2022-08-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Money theft that happened now does demonstrate that it was planed and initiated by at first restricting my access to my money since XX/XX/XXXX and now did happen factually. The email from Goldman Sachs arrived today 's morning with confirmation of my account closure and nothing about my money ( attached ), while I never regain access to my money back. Since XXXX, I called Marcus to find out why I can not access my account and what happened to my transfers from XXXX after I have seen them pending? Marcus representatives all like one were claiming that they are unable to remove the Marcus restrictions off and all like one promised that supervisor is not available at that moment and will call me back. I never got a call from any supervisor. Bank claims for false restrictions continued to hold my money to Marcus, while I wanted to move my money to a different bank and now finalized by Marcus Goldman Sachs by total theft. Now it is clear that criminal attempts to steal the money was a goal of Marcus Goldman Sachs. Marcus Goldman Sachs account was procedurally connected by direct deposit with XXXX account that is checking account with XXXX XXXX. That account was successfully confirmed between Goldman Sachs and XXXX checking with XXXX XXXX. ( Two attachments with two deposits from Goldman Sachs are included. ) Goldman Sachs are boldly lied that it was not confirmed while it was confirmed on XX/XX/XXXX. Numerous checks were deposited to Marcus Goldman Sachs through the mail as they claimed that they do not accept electronic deposits, but checks by mail only. Just right now I understand that I became a victim under Title 42 U.S. Section XXXX Civil Action for Deprivation of Rights and additional crime for egregious money theft.
Consumer complaint received 2022-07-07
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. (MO)

Both XXXX and XXXX have reported my new credit balance however nothing has been updated in the past 2 months for any of the bureaus. The incorrect reporting is effecting my ability to be approved for additional credit.
Consumer complaint received 2022-08-26
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Accounts : 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 an account without my written instructions.
Consumer complaint received 2022-04-10
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. (NC)

XXXX XXXX XXXX XXXX Auto Loan In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-02-23
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. (GA)

I checked my credit report and I noticed some inconsistent and inaccurate information on my credit report I then proceeded to contact the credit reporting agency to correct the inconsistent and inaccurate information but they did not fix the information
Consumer complaint received 2017-08-30
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. (LA)

XXXX XXXX XXXX lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX XXXX years later! There are no late payments or fees involved and clearly this is erroneous.
Consumer complaint received 2022-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Green & Sons Agency, Inc. (UT)

On XX/XX/2022 a 10 day summons from a debt collection company called Outsource Receivables was left at my address for a debt in the amount of {$250.00} owed to XXXX XXXX XXXX of XXXX XXXX  for services received at XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 The full amount of the debt was paid online through the hospital 's insurance company ( XXXX ) website. On XX/XX/2022 I notified Outsource Receivables office that the debt was paid and faxed a receipt of the payment to XXXX XXXX Billing Department per their instructions. Also, a few days later I disputed the debt collection account on my XXXX credit report and uploaded a copy of the receipt in the process to XXXX 's website. Now, the account on my credit report has an updated amount of {$760.00} and says the account is still unpaid.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA FCB locked me out of all my accounts with them due some perceived fraud activity on my credit card. They had me verify the credit card transactions I made on my credit card via text message. Despite verifying my credit card charges were not fraud, USAA Fraud and credit has issued a complete account lock ON ALL my accounts, including my checking accounts, home and auto insurance, credit card and college savings accounts that were not affected by the fraud alert. USAA is refusing to provide me with any way to resolve this issue after more than 1 week and several calls to try to figure out whats going on. I cant log in to my accounts through the USAA mobile app, or on my computer and I cant even get access to my balances by phone because they have locked me out of everything... for No reason.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : Sources Recievables MNG Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a Bank of America Customer. Sometime around XX/XX/2018 two new  accounts were opened in my name without my knowledge or approval. 1 Checking account and 1 savings account. I called Bank of America to notify them of the issue and possible identity theft and/or fraud. I asked for the following information : Who opened the account? 
When was the account opened? 
Where was the account opened? 
what identification documents ere used to open the account? 
What steps were taken to verify identity? 

These questions are important to me because I need to know if someone has access to my personal information and is using it in a fraudulent manner. BOFA said they would open an investigation but, to this date, I have not heard from anyone. Calls to BOFA for information have resulted in nothing. No one seems to know what is going on. I need answers to these questions right away and I can not afford to wait any longer. Please help.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2022, 21 transactions ( {$100.00} for each transactions ) from XXXX were processed on my Truist credit card that I didn't authorize. I was notified via a text alert, asking if I authorized the transaction. I responded 'NO '. The transactions went through anyways. 

After spending 3 months in their investigation, they finally informed me that those are valid transactions and I'm responsible for those charges about 2 days ago. I did not make those transactions and I also filed a police report for the incident. 

The amount has been deducted from my bank account through auto-pay and Truist refused to credit those charges back to my account.
Consumer complaint received 2022-08-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Dovenmuehle Mortgage, Inc. (CO)

Please research XXXX. This is the agent that XXXX uses that was giving me false information while my home was going into foreclosure. They continued to give me misleading information about my forbearance situation and told me everything was going to be just fine while going through loss/mitigation. All of my phone calls are recorded at XXXX. It seems as if they intentionally were stalling by giving me false information while not communicating with XXXX. I believe there are probably more victims of this situation. If you can contact me, I am at XXXX or XXXX. Thanks, XXXX XXXX
Consumer complaint received 2022-02-24
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. (AZ)

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX AC # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX  XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.
Consumer complaint received 2019-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (MA)

On XX/XX/2019 I got a call on my cell phone from the number XXXX XXXX XXXX XXXX. The lady told me she was from Central Portfolio Control and that she wanted to verify some of my personal information over the phone with me regarding a business matter. I told her I do not have any written notice about this issue. She told me she was calling from XXXX, MA and that a notice was sent to me on XX/XX/XXXX. She stated my address of XXXX XXXX XXXX, XXXX, MA XXXX. I did not confirm any information with this person over the phone and stated I did not get anything over the mail. She said to give it a few days and I should get something in the mail. I then hung up. This person did want to verify my personal information over the phone and was very insistent and I refused to do so over the phone. 

Please help me verify this matter with this company and if I can have written proof of the issue.
Consumer complaint received 2016-01-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (TX)

Went to hospital Got tests done on my son Was not sent a bill saying I owed money to the hospital. 
Then just got a flag on my credit report while I 'm trying to buy a new house that we owe {$3100.00} and its flagged for XXXX which I took my son to hospital in XXXX.
Consumer complaint received 2022-08-26
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. (GA)

This Complaint is lodged against Experian. The only thing that I can even remotely call this violation is " IDENTITY THEFT '' by Experian itself. After I opted out of their Marketing a very long time ago, I received no more junk mail, but today, I received a preapproved credit card and when I spoke to the corporate office of that card company, they provided me with enough information to determine, Experian is distributing my information under the many variations of my name ; even though they have been told those names are not mine and that they refuse to remove from my credit report. The Credit Card displayed XXXX XXXX XXXX which is not my name and neither is any other of the dozen names they display on my credit report. My name is XXXX XXXX XXXX. 

I did not authorize the release of my information and I certainly did not consent to Experian Changing or Altering My name for their marketing purposes, but now I have both physical proof and verification of who gave such information about me to the credit card company within the past three weeks.

I tried one last time to call and speak to a manager or the corporate office but I was given a huge run around once again. 

Experian asked for 60 days to fix their last blunder which is still pending - but this is now related to stealing and altering my Identity for the purpose of unauthorized financial marketing.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX 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 2022-08-26
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. (KS)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ). XXXX XXXX account number : XXXX. I demand you remove these entries immediately. According to the Fair Credit Reporting Act you are illegally reporting this account. Once the debt is charged off it becomes income to the consumer which is illegal to be reported. 
I will be filing a complaint with the Consumer Financial Protections Bureau., ( 1. ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( 2. ) Topic No. 431 Canceled Debt Is It Taxable or Not? 
After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a Form 1099-C showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a Form 1099-C, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct Form 1099-C. 

The IRS considers this income and should not be reported
Consumer complaint received 2022-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (CA)

New account just showed up on my credit report from : Account Number : XXXX LOCKHART MORRIS & MONTGO Other Collection Agencies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I do not owe this debt, I have never opened up an account with them, they stated it was a medical debt from over XXXX years ago.
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.