davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$4500.00} / XX/XX/2022
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

In mid of XXXX, my daughter XXXX XXXX email received two bank accounts opened on behalf of XXXX XXXX one of them is BB & T : this bank opened two accounts without either phone or email verification. On XX/XX/XXXX, I went to BB & T in person to close the account, and set a security alert in XXXX XXXX XXXX. However, today I received another notice saying that on XX/XX/XXXX, my account was overdraft for XXXX dollars, which was supposed closed already on XX/XX/XXXX.
Consumer complaint received 2015-12-07
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: IQOR US INC (MD)

I have reached out to Alliance Interstate to make a settlement on a XXXX XXXX account. After multiple discussions with collection specialists, I asked for clarity on the reduced settlement amount that I was offered. Allied interstate refused to provide me in writing prior to making the settlement payment of {$1500.00} that this is the amount that they offered to pay. I then asked to speak with a collection manager and was told that the manager was not on duty by XXXX XXXX. Per XXXX, no letter can be sent until after payment to reflect settlement. He initially refused to allow me to speak with a manager. I was then transferred to XXXX XXXX who then admitted that he was a collections specialist and not a manager. I then transferred to XXXX XXXX who identified herself as a manager. She initially told me that following payment on my settlement, I would receive my confirmation in 7 to 10 days. She then refused to answer any further questions and transferred me back to XXXX XXXX. I am now being told that I will not receive my confirmation of payment for approximately one month. I raised the concern of paying a settlement of debt without any proof of the agreement. I was told that the call is recorded and that is sufficient enough. I am requesting Allied Interstate provide me in writing confirmation of the agreed upon settlement. I was told I can not receive any proof of amount for settlement via fax or email.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX has illegally reported information to other credit reporters as well. According to 15 U.S. Code 1681a. I did not give written consent or any consent for that matter for it to be reported to all credit bureaus. I did not sign anything knowingly or willing for my personal information to be shared with any credit bureau.This inaccurate report is very much so illegal as stated in the U.S. Code 1681a above. This needs to be resolved immediately or i will be forced to take legal action against these companies. I would kindly appreciate if this could be handled in a timely manner and appreciate your understanding.
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (AR)

ILLINOIS STUDENT ASSISTANCE COMMISION LOAN XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! EXPERIAN ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.
Consumer complaint received 2017-08-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (CA)

On XX/XX/XXXX a Substitution of Trustee was filed with the recorders office by California TD Specialists on behalf of XXXX XXXX  because of a revolving line of credit that was taken out with XXXX XXXX XXXX ( Which was siezed by the FDIC ). We included this revolving line of credit on our personal BK ( Chapter XXXX ) in XX/XX/XXXX.
We also included the home in the BK and also included that the home was backwards at the time of the BK. We just recently found out that the Judge requested our Attorney to submit more document proof in regards to the value of said house. ( Which he did not ) In XX/XX/XXXX The note for the revolving line of credit was sold to XXXX XXXX  and we explained to them what had happened and they wrote off the debt and we did not hear from anyone for over 7 years.
Then the note was sold to XXXX XXXX, we spoke with them telling them the same story, and sent reporting documents as such. They said they would get back to us. Then we started to receive invites from foreclosure help vendors. We then called XXXX XXXX and they will not return our calls.
We then received notification from their Attorneys, I called them they said they could not speak to us, that we needed to call XXXX XXXX, I explained to them that they are not answering us, they had no further direction offered.
We have contacted Senator XXXX 's Office and are seeking counsel but we are trying all areas to save our house we have liven in for over 20 years.
Consumer complaint received 2021-09-15
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: TRANSWORLD SYSTEMS INC (AR)

ILLINOIS STUDENT ASSISTANCE COMMISION LOAN XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! XXXX ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Strategic Alliances, Inc. (GA)

XXXX XXXX XXXX is a law office that collects debts. They reached out to the hospital and were given a medical chart with explicit medical details on it and forwarded to me in the mail which ended at my neighbors and them opening and reviewing my medical chart. This is a direct violation of my HIPAA rights. Then they filed a lawsuit against me without validation of the said debt.
Consumer complaint received 2015-09-19
Product: Credit card — 
Issue: Billing disputes — 
Company: PENTAGON FEDERAL CREDIT UNION (LA)

I have a credit card account with Pentagon Federal Credit Union and have requested several times that the credit insurance I am being charged monthly be discontinued via email within their secure email messaging platform and they refuse to do so unless I sign documents. My email from within their secure website should be good enough. 
I have placed the credit insurance debit charges that they keep charging me into dispute, yet I logged in today and I can not find anything about the status of the disputes. This month, another charge for {$.00}. These charges may be small, but they add up, and when this may be occurring nationwide, it adds up to a considerable amount of money. When I inform you I no longer want the credit insurance it should be removed prompty without the need for dispute resolution or me having to go to regulatory agencies to complain.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MD)

I purchased XXXX Am Ex gift cards each worth {$500.00} ( total of {$2000.00} ) on XX/XX/XXXX at XXXX. At XXXX XXXX on XX/XX/XXXX I called Am Ex Gift card customer service to report that I had reason to believe the cards would be used fraudulently. The agent told me he would put all of the cards on hold. He also said there was some activity on the card earlier in the day. He told me to call back in a week and that I would be reimbursed for the full value of the cards once they had cleared all of the transactions.. 
When I called Am Exp gift card customer service on XX/XX/XXXX the agent told me all of the cards were spent and that I could not be reimbursed despite the fact that I had reported fraud and there was a hold on the cards. The agent told me that the first agent should have explained that holds are only internal and Am Exp does not notify merchants. She also told me that the first agent should have given me the name of the merchant where the transactions had occurred. The agent told me that on XX/XX/XXXX Am Exp for the transactions on the gift cards despite the acknowledgement from the agent that there was a hold on all of the cards. 
On XX/XX/XXXX, Am Exp gift card customer service gave me all the transaction numbers and told that the purchases were made at one XXXX XXXX in XXXX XXXX. The agent advised me to call XXXX. I spoke with the XXXX XXXX manager who referred me to XXXX Customer Service. XXXX said it would do nothing to investigate and had already been fully paid. The XXXX XXXX manager had all of the transaction information about how, who and the address of the purchasers but would not release it to me. 
Am Exp gift card services would not investigate the fraud.. I called Am Exp corporate offices and the person who answered the phone told me there was no one who could help me.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WI)

This all originally started when I sent a payment from my bank account to the credit card company ( Barclays ). The payment was sent before the due date, the details are below this message. 

Long story short, they said they didn't receive the payment, and charged me a late fee of {$29.00} So then I proceeded to question them about it, and they reversed that fee, which I was grateful for. But, in the meantime I wanted to know what happened to the payment, so I called my XXXX XXXX XXXX and they said they could stop payment on it. So I did that. 

Well then Barclays charged me another fee called " return payment fee '' of {$29.00} XXXX but they never received the payment. So I kept asking them why am I being charged this fee when you ( Barclay ) never received it. They would give no clear answer and will not explain. 

I also told them I want the account closed, and they refuse to do so in a timely manner. Saying they keep the account open for viewing or some other reasons. I want to somehow protect myself or know what to do in this instance because I feel somehow they are going to keep charging me fees, and keep the account open - hence why I am contacting you, to have record of this. 

Thank you for any help and guidance you may have in this matter, would be greatly appreciated. 
XXXX XXXX Details of the original payment. I also attached a screenshot of the payment. 
Sent On XX/XX/2020 Delivered by : XX/XX/2020 Amount : {$64.00} Paid from : XXXX XXXX   Confirmation # : XXXX Type : Check Sent to : Card Services XXXX  XXXX XXXX, XXXX, PA XXXX
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MN)

For at least three years now I have been trying to get credit files to reflect that I have a mortgage. When I divorced in XX/XX/XXXX it was agreed by ex husband and myself and done legally that the house was mine. I cleared the title to reflect that and further due to domestic violence it was so ordered he could never come into the house. He left Minnesota and remarried. On XX/XX/XXXX he passed away. Still the US Bank wouldnt take his name off mortgage. But that isnt the whole problem- the credit files have the wrong account number and I can no longer dispute this with them. It stands as paid off and closed. I even sent XXXX an original bill. But they refuse to change it. Us Bank stated the account number is in error. Now I would like to repair my house but this along with other in accurate information in files has stopped me. A big chunk of my retirement money goes to the mortgage and I need it corrected. I also want to note here that I have identity theft and that I have not filed bankruptcy- which is one of the numerous reasons that US Bank has given as to why they do not report to credit bureaus and as I stated my ex husband has passed away. He had filed bankruptcy. Also my identity theft is linked to this as I have a stalker/cyber and I know who it is. There are many more issues with credit bureaus ( double accounts, accounts open and closed at the same time ) but if I can get your help on this issue I can move to the next problem
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX XXXX I submitted a vehicle loan application and I was approved for {$23000.00} with a 5 % interest rate. I received a call from a representative on behalf of Navy Federal Credit Union requesting a resident card/document. I sent an email with requested documentation on XX/XX/XXXX XXXX XXXX  and XXXX XXXX. 
I was denied, Navy Federal Credit Union could not verify credit accounts. On XX/XX/XXXX I was approved for a XXXX XXXX  XXXX the credit account is under my name along with my credit information with Navy Federal Credit Union. The same required documentation was provided with no issues or request of additional information. 
On XX/XX/XXXX I called Navy Federal Credit Union for clarification as to why I was denied. The representative I spoke to said they asked for my Social Security card but couldn't use it. Therefore, they would need a permanent resident card, or employment authorization card, and/or a bill. When I ask if I provide a bill will it suffice, the representative said no they will still ask for a permanent resident card because my Social Security card said for work authorization only. Now, when I ask why I was given a vehicle loan in XXXX providing the same documentation I emailed on XX/XX/XXXX with no issue and not required any additional documentation the representative could not validate why. I felt hurt and confused, I'm being told they can't use my social security number, but the letter in the mail states they could not verify my credit accounts. Yet, I have a line of credit with Navy Federal Credit Union. I don't understand.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX  would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2020-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I contacted Suntrust and provided the information about the 3 unauthorized transactions on my account. They denied my claim and refused to respond to me promptly until I filed a complaint with CFPB. They then assigned an agent named XXXX XXXX to work with me on the case and asked me to provide additional information on the case. However, this agent never responded to my call or email requesting status update. 4 weeks after I submitted the rebuttal form, they simply said that I did not provide any additional information and denied my claim again. I was hoping that the bank would do their investigation but apparently it did not seem so. Below is what I stated in the rebuttal form. As a consumer, I do not know how to prove that I did not authorize these transactions. 

" I looked at XXXX policy and they stated that if the fraud transactions were not authorized by the account owner, I should be refunded the full amount stolen. In this case, I hope to recover the full amount of {$1300.00}. 
The following XXXX transactions were NOT authorized by me, and I only saw the transactions when I checked my accounts on XX/XX/2020 : On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$470.00} to XXXX XXXX I again can not or do not know how to prove that I was hacked. I hope that the bank fraud protection would be able to assist me in finding out how and when I got hacked. My suggestion is that the investigator should look at the IP addresses that the XXXX  transactions were initiated from. Also, I immediately made changes to my account log-in information the moment I realized the fraud, and these XXXX transactions stopped after. 
Again, I did not authorize any of the 3 transactions listed above. '' I hope CFPB can request Suntrust to do a better job with their investigation and consumer protection. It appears to me now that Suntrust does not want to help me with this case, they just want me to sustain the damage from Identity Theft.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

All praises to G-d. Hope all is healthy and prosperous during these times. Experian credit report agency ( as known as : experian.com ) has wrong past due payment information on the credit report that bears my name. The report claims that I failed to make a XX/XX/XXXXce loan payment on a government student loan account I am making parents on even though the cares act has froze all such payments until XXXX CE.. I contacted the student loan company and they did verify that no loan payment was due onXX/XX/XXXXce due to the cares act passed by congress in response to covid19 and also that no loan payment on the student loan account bearing my name is due until the end of XXXX CE. Specifically, all loan payments are fully satisfied, including the XX/XX/XXXXce payment, I will not need to make any payment ( s ) until the end of XXXXce. This would of course mean experian.com agency is providing misinformation, if my memory serves me correctly, it would also mean that experian credit agency is in the habit of poor record account keeping because I have complained about this type of misinformation to experian before and had the issue resolved after considerable effort. Also, an account was missing for a few months and not showing up on the credit report that is in my name of which Experian claims to keep accurate records on, this effected the credit score associated with said account. Whether it was a standard process or a mistake I am not sure.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent numerous dispute requests to Transunion,XX/XX/XXXX and XX/XX/XXXX to remove the addresses that I am not familiar with and do not belong to me. I have sent off this request every 30 days since XX/XX/2020, I have attached my license, ss card, utility bill and bank statements to show my correct address which is : XXXXXX/XX/XXXXXXXX XXXX, TX XXXX I need all other addresses that are not related to me removed from my XX/XX/XXXX,XX/XX/XXXXand Transunion reports.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IN)

During the COVID-19 we asked the bank to reverse interest fees for XXXX and XXXX in the amounts of {$290.00} and {$310.00} totaling {$610.00}. The bank refused to make any considerations.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy. 

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.