davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-23
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. (MO)

I have tried numerous of times to block the following inquiries from fraudulently reporting on my credit report. My next step after this will to be filing a law suit on the companies as well as the agencies that's reporting the following inquiries, XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

Hello CFPB, I was recently notified of my personal information was apart of that huge XXXX   breach. So the steps that I took was pulling my credit report to look over everything on all 3 credit bureaus and noticed accounts that are definitely NOT mine. I've had to freeze all credit bureaus and send out dispute letters certified in the mail to all three credit bureaus and validation letters to the unknown credit collectors. One of the original collectors on just my Experian report is really shady, meaning i looked them up on XXXX search and they are permanently shut down and the collector for this so called original collector website is unsecured, so I didn't want to go much further. I did send out a certified verification letter to this collector stating that they need to verify that this account is mine, because i have never in my life heard of them or the original collector. I also know for a fact that I did not initiate any kind of loan or credit card at this time in my life. This creditor is names XXXX the collectors name is XXXX XXXX XXXX. Both of which I have never once heard of and know for a fact that I never applied for any sort of cc or loan with these companies at any point in my life.I do have copied of these certified receipts from USPS and screen shots of the investigation on XXXX that I have done concerning these two companies. I have asked the 3 credit bureaus to make sure and get validation for all unknown creditors on my credit reports. 
By validation, they need to send me proof of my actual signature of these so called debts that they are reporting. I do know my rights and I do know that I have been a victim of Identity theft and now, this has put such a burden on my life, with freezing all credit bureaus and now i have to pay {$29.00} a month to monitor my credit report, so nothing else is added that isn't mine. As of right now it seems as nothing has been done, but i know for a fact that the credit bureaus have received my certificated and notarized verification letters. The sad thing is, that They continue to keep this false information on my credit report and seem to take this lightly, as of right now all three main credit bureaus have just 2 more weeks to finish their verification. If you would like to see the information about this particular creditor that I am speaking of above, please feel free to contact me.Thank you
Consumer complaint received 2021-07-15
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. (PA)

Submitted multiple investigation requests to the CRA on XX/XX/2021, XX/XX/2021 with subsequent complaint to CFPB - complaint # XXXX. 

It is my understanding that as a consumer, I have a right to complete and accurate information reported on my credit file. It is also my understanding that the credit reporting agency ( Transunion ), by law, must investigate and update with complete information or delete the item from my file.

Transunion has not properly investigated my dispute. They have not accurately updated my consumeer report, nor have they removed the item that they could not verify. 

The CRA/Transunion is reporting an inaccurate " current status '' of " Charged off as bad debt ''. The report shows a 7 year period with no late payments. My Transunion report has reflected this unresolved discrepancy for several months with no resolution afforded to me by the Fair Credit Reporting Act.
Consumer complaint received 2021-03-02
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. (MD)

I have tirelessly contacted the bank. Ive even contacted Experian but Experian still has inaccurate information on my report. XXXX XXXX tells me they cant see back to XXXX and cant remove the late payments. But I can see back to XXXX through my statements. 
Ive told them I have proof of payment via transfer directly to credit card & yet on Experian this XXXX and XXXX days late as of today it has not been removed. 
This is harmful and is becoming seemingly malicious.
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

I cancelled service with XXXX XXXX XXXX on XX/XX/XXXX on the basis of No Contract allowing cancellation at any time. I received a bill from XXXX  that covered the period of XX/XX/XXXX thru XX/XX/XXXX. Only 3 days not 31 days of service was actually provided. I was contacted by a collection agency ( XXXX XXXX XXXX of XXXX. TX ). I sent them a dispute letter and a check for the amount which I considered owed {$17.00} ( XX/XX/XXXX X {$180.00} = {$17.00} ) as payment in full. They never responded to this letter or cashed the check. When I followed up with the phone call to ask what the status was and why I didn't hear a follow-up to my dispute, they said that the account is cleared and I owed nothing. Several months later I received a duplicate collection notice from a second company, I.C. System, Inc of XXXX XXXX, MN dated XX/XX/XXXX. 

Following dispute an " Account Validation '' was received from IC System which said {$180.00} is still owed. Package contained a series of statements that indicates that regular full payments were always made on-time with the exception of the last bill which is in dispute. It also included a statement subsequent to this last bill that indicates that total amount was fully written off by XXXX. Accordingly validation shows nothing is currently owed and a revised statement to reflect this should be provided.
Consumer complaint received 2020-07-18
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)

Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX  account # XXXX XXXX. XXXX XXXX Card account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau XXXX
Consumer complaint received 2020-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. ()

This company reported an account from XXXX on XX/XX/2017 in the amount of {$240.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Premier Student Loan Center (NV)

On XX/XX/2018 a company called Premier Student Loan Center told me they could get my student loans forgiven. I found out today this company is fraudulent. I would like to get back the money I paid them and make it so they don't withdraw any more. I am afraid they will use my personal information for more fraud. I don't want this to happen to any other people that have student loans. So far they have taken 2 payments of {$190.00} each. 

If you have any other questions please contact me at XXXX or XXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting 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 writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity.

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved.

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} 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 2018-06-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX XXXX has been harassing me when asked to show proof they sent me a copy of a loan application. My current loan are with XXXX XXXX not these people who can't provide any form of payments missed nothing at all. They claim I owe XXXX dollar but that all I get nothing more I have to contacted them many times and told them show me proof or stopped harassing me.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CO)

I purchased a number of pre-paid XXXX cards, issued by US Bank National Association, on XX/XX/XXXX, at a local grocery chain. My gift giving didn't work out as planned so I had XXXX cards that I now didn't need. I figured I'd pay bills or something with them, but eventually use them up. I thought the money was safe. 
A couple weeks ago, on XX/XX/XXXX, I finally tried using XXXX of them at an antique store and they said my {$500.00} card only had {$20.00} on it. I went home and called the help number and they informed me the card was not registered in my name and a number of purchases were made against the card in late XXXX. Furthermore, XXXX other cards I purchased at the same time had been spent, to some degree or completely, by a thief. They requested I fax in copies of my ID, the receipt for the card 's purchase, images of the cards -front and back- with the ID blown up XXXX XXXX and lightened by XXXX steps. They said I could call back on Monday and the people there could tell me that they've received my paperwork. I complied. 
When I called Monday, the lady said she couldn't see that they had received my fax and, perhaps, I hadn't blown up my license to exactly XXXX XXXX or maybe I hadn't written the card number or the " CID '' number on each and every page of the fax, because with out that, things might get mixed up. I re-sent the fax with blown up license and the CID number on every page of it. I waited XXXX business days, as the lady had suggested this time, and called today, on Monday XX/XX/XXXX. They STILL couldn't tell me if my fax was received, so their investigation could even begin. I presume that if their customers have failed to comply to the letter with some process for which even their own phone attendants are not fully knowledgeable, they just throw away your papers and pretend nothing happened. That's not good enough. 
Sir, or Madam, it's one thing that they insist I use an antiquated technology, the fax, as their preferred means of communication. And, if there had been ANY feedback from them, telling me whether my information was incomplete or too small or not light enough, I'd still be playing along. However, at this point, their apparent apathy toward my very expensive predicament leads me to believe that they are deliberately apathetic and are forcing me to seek satisfaction through some regulatory agency rather than honor the terms of their contract. 
If what our grocery stores are peddling on every isle 's endcap is little more than a plastic pick pocket for which the store or the card issuer aren't willing to take any responsibility, the practice should be outlawed. If they can't, or WON'T, protect the money I trust them to protect, then this product is defective and this company is liable. 
Please help.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

opened online XXXX account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX report
Consumer complaint received 2018-06-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (IL)

On XX/XX/XXXX I purchased my home for {$200000.00} through Fay Servicing. In XXXX I did a modification on my own through the housing program, they had a program that they were offering if you qualified for {$50000.00} ( non repayable with stipulations ), I did qualify. Which brought my mortgage down to {$160000.00}. In XXXX I filed bankruptcy and my mortgage company had a modification program with HUD/FHA that they advised me to go through I qualified for the modification. Which was for {$47000.00}. Which brought my mortgage down to {$120000.00} that I pay through my mortgage company. Now in XXXX I wanted to do a home equity loan through a federal credit union which I was approved for. Once the underwriter was doing the verification of the title search. She contacted me with a discrepancy of my title search. she explained to me that my home was appraising at $ XXXX {$260000.00}, also I had 2 leans on my home that was filed with my mortgage company that did not match up with my paperwork that I submitted to her. First lean is my mortgage company ( Fay Servicing ) for {$120000.00}, also the second lean is HUD/FHA for {$120000.00} as well. She explained to me that I would be upside down on my mortgage because the two of them would come out to be about {$250000.00}. She advised me to contact my mortgage company and she would forward me the information to show what she received from the title search. Also I should request a payoff from HUD/FHA. Which I did and the payoff is {$47000.00} but Fay Servicing filed {$120000.00} with the title company which they filed incorrectly. I took her advise and contacted my mortgage company ( Fay servicing ) and explained to them the situation as well as forwarded them all of my original paperwork as well as the paperwork from the credit union. They have had my information for awhile and said that they would handle it. They did say that there was an issue with the filing of the title incorrectly. It's been two weeks almost three since I contacted them about this problem. My account manager says that he forwarded things to his manager and things are getting taken care of. I feel as if nothing is getting done. They're giving me the run around and holding me up with my process.. I need this resolved ASAP.
Consumer complaint received 2018-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NV)

In XX/XX/2017, I switched from XXXX to another phone provider. Upon making that switch it was my understanding that my XXXX acct was closed from that day forward. XXXX failed to close my acct, and sent the acct to a collection agency for some sort of unpaid early termination fee. Where it is now reported to the credit bureaus as a charge off. The only way I found about this is through a recent loan application this came up when my credit report was pulled. I was never contacted from XXXX about these unpaid fees. I have since paid the debt in full trying to resolve the matter. When contacting XXXX  they have been less helpful in this matter in removing the negative mark off my credit report which is now causing financial disruption in personal finances. I feel that this is an error on XXXX  's part and wish that this can resolved.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Consumer complaint received 2018-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2018 I used Chase quickpay to send {$200.00} to a seller who promised theatre tickets in exchange for my payment. The seller was fraudulent and I contacted Chase immediately to reverse the charges. The payment was showing as pending in my cheating account and according to Chase quickpay FAQs pending charges could be reversed. Upon calling Chase they said the transaction was already completed by the receiver and could not be reversed. They said it was showing as pending since it can take a business day for these transactions to update. After complaining about how misleading their online information was they just apologized and said nothing could be done. I asked to speak to a higher authority. Chase transferred me to a sr. Specialist who reiterated the same policy. I told them about the fraudulent seller and how the Online information for Chase quickpay included rhetoric that said If you suspect fraudulent activity and would like to reverse a payment, please contact customer support. They said since I initiated the payment they could not help me. I find this to be extremely misleading by giving customers a false sense of security.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC. (FL)

opened online suntrust account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX report
Consumer complaint received 2020-07-18
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. (FL)

I Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a Student. I never use my credit or have I given any one Consent to open any account on my behalf
Consumer complaint received 2020-07-19
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: HYUNDAI CAPITAL AMERICA (NC)

I'm writing you today because I noticed an inquiry from your company on my XXXX  credit report on XXXX listed under Kia Motor Finance. I did not authorize this inquiry for credit and have no knowledge of even applying for financing with your company. This listing is in violation of the FCRA and needs to be removed as soon as possible.