davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (MO)

There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible. 

Thank you, XXXX XXXX
Consumer complaint received 2020-01-28
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : KOHLS/CAPONE Late Payment XXXX XXXX XXXX XX/XX/XXXX to XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-05-03
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 Account # XXXX XXXX XXXX XXXX, # XXXX, # # # XXXX, # XXXX XXXX, # # # # # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  violated my rights.

SEC 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 2023-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

I received a letter from IQ Data International in which the deadline to respond to was XX/XX/XXXX. I responded by XX/XX/XXXX by disputing the debt due to the amount being incorrect. I then requested the following from IQ Data International : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Texas ; 5. proof of the last payment made on the account. 

I received none of this information. No verification of the debt has been made. 

The only thing I have received was a major derogatory mark on my credit report on XX/XX/XXXX.
Consumer complaint received 2020-10-22
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-22
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

there was fraudulent charges made on my account my wallet dl credit cards passport where stolen, and used all over the USA, not once did cap one contact me not once did they send me a fraud affidavit not once did they contact the the police department to verify these where fraud and they rebilled my account in total blatant violation of the law and did this without even investagating if they did they would have knew my id and credit cards where stolen, the only time they contact me was today to tell me there rebilling the charges even though they never got my side of the story or send an affidavit or contacted the police
Consumer complaint received 2020-07-24
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: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX- balance is showing as {$450.00}, dates open in XXXX closed XX/XX/XXXX.
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Associated Credit Services, Inc. (MA)

I was recently send a notice of collection, that even if owed has long surpassed the six year legal timeline where is could be collected in the Commonwealth of Massachusetts. The collection agency, Associated Credit Services , Inc. had to pick up my personal information from a debt pool of file. This process of farming out openly a persons personal information with a threat of taking either legal action or an action to ruin a person 's credit report is highly illegal, and against the Fair Debt Collection Practices Act. I demand a permanent deletion of my information immediately!
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Re ; XXXX. When I tried to opt out of receiving ads by properly filling out the online form, I was not allowed to proceed. The information was correct. I did this multiple times, to no avail. Very frustrating!!!
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I sent a letter on XX/XX/21 regarding inaccurate account with XXXX XXXX reporting on my credit report. THIS account is inaccurately reporting across all three credit bureaus and is damaging me. To this day over 60 days later I have not received a response yet. Section 611 ( a ). it is stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand the account be deleted immediately or I will file for litigation due to the stress you caused me. I have attached a copy of the report along with proof of identity.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I sent a letter on XX/XX/21 regarding inaccurate account with XXXX XXXX reporting on my credit report. THIS account is inaccurately reporting across all three credit bureaus and is damaging me. To this day over 60 days later I have not received a response yet. Section 611 ( a ). it is stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand the account be deleted immediately or I will file for litigation due to the stress you caused me. I have attached a copy of the report along with proof of identity.
Consumer complaint received 2019-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I am filing this complaint with the hopes that you can help us to clear up a previous lien, when in fact it is showing unsatisfied at the XXXX County Court House in XXXX, PA. 

In XXXX we acquired in Construction loan from XXXX XXXX. After the construction the loan was then rewritten as a mortgage loan with the same company but a different division called XXXX XXXX XXXX. It is our understanding that XXXX XXXX should have listed it as satisfied when it was turned over to XXXX XXXX XXXX. It is also my understanding that they both went out of business. Prior to them going out of business we received a letter stating that they were turning our loan over to Homecomings Financial. We paid Homecomings for many years until they sent a letter stating that Ocwen would now be taking over the loan. 

Approximately in XXXX, XXXX of XXXX we paid our mortgage off in full with Ocwen.. 
It wasn't until recently when we tried to sell a very small parcel of land to our neighbor that his lawyer informed us that there was an unsatisfied lean of {$83000.00} to XXXX XXXX from XXXX. 

This is very upsetting because as you know we paid the mortgage in full. We were told that XXXX XXXX and XXXX XXXX XXXX were based in New Jersey, which is where I believe Ocwen is based. I am asking that you research this and help us with this dilemma. 

Obviously we would never able to sale our home or leave it for our children with this lien showing unsatisfied. We are asking and hoping you can do something to help us. XXXX XXXX is the one still showing an unsatisfied lien when in fact they handed it off several times. Ocwen shows it was paid in full at the court house. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-22
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: EQUIFAX, INC. (IL)

on myEQUIFAX report I noticed an item showing up that have not been on my report in several years. I realized it when I noticed my score drop by at least 20 points. It was from an old debt I HAD CLEARED UP AND WAS REMOVED, NOW IT IS REAPPEARING ON MY REPORT. IT WAS FROM AN OLD ACCOUNT AT XXXX XXXX  THAT HAS BEEN PAST CLEARED UP
Consumer complaint received 2018-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

XX/XX/2007 XXXX XXXX XXXX XXXX XXXX {$39000.00} This loanwas transferred to AES American Education Services My loan stated about 22,000 and beed {$39.00}, XXXX for many years.All the mony I pay goes towards interest only. I asked them to lower the interest rate. They informed me that they do not refinance. 

I went to XXXX XXXX XXXX at XXXX XXXX Univ. My contract I was to get alife time re-training. However, I never finished the school. 

I am having a hard time finding anyone that will refinance these loan.Can you provide me with a list of companies that will refinance? Mt current interest rate is 8.25 %. 


I will provide document upon request. I do not have much.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

My savings account reflected a withdrawal in the amount of {$3000.00} on XX/XX/XXXX at XXXX pm executed by XXXX XXXX XXXX. I was not at TD Bank at this time. 

After several attempts to resolve the above, I was told on XX/XX/XXXX that someone presented my actual card to the teller mentioned above and made the withdrawal. I informed them that my card was in my exclusive possession at all times up until XX/XX/XXXX and it is impossible for someone else to show up with my card and made this withdrawal. 

A complaint was submitted on XX/XX/XXXX with the bank 's internal fraud unit. I asked if I can see the surveillance footage for this transaction. I was told that the assigned investigator will contact me within 3-5 business day and he will determine whether I can see the footage. I asked what if him/her does not allow me to see the footage. I was told that then I will have to file a subpoena to see the footage. ( If this is the case, it will be difficult to believe this investigator, if I can not see the footage. I see no reason why I should have to pay to see this footage ). 

I do not trust TD Bank for the following reasons : 1 ) I can not comprehend the logic that someone showed up at the bank with my card for a withdrawal when my card was never missing and never left my possession ; 2 ) Without the opportunity to see the surveillance footage for this withdrawal at XXXX XXXX, this assigned investigator can tell me the same as what customer care said to me that I was at the bank and did the withdrawal at XXXX XXXX  on XX/XX/XXXX. 

Nothing makes sense and I am now questioning whether there is anyone at TD bank who is capable to investigate this withdrawal and provide an accurate/honest report. 

Thank you.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AL)

I made several disputes on XX/XX/2022 because I was involved in a fraudulent scam involving a certain website and my PNC Bank denied my disputes saying they determined no error had occurred. The Amounts are {$1000.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$4100.00}, {$2700.00}, {$4100.00}, {$2100.00} and {$4100.00}. I have evidence proving this was taken from when fraudulently if I need to provide it.
Consumer complaint received 2022-05-02
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 1. XXXX XXXX Account number XXXX XXXX. XXXX XXXX  Account number XXXX XXXX. XXXX XXXX  Account number XXXX XXXX. XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account number 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 2024-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (TX)

FDCPA Violation. 
Calling you or any other person repeatedly with intent to annoy, harass, or abuse you, or any person at that number. Calling you after you have provided your lawyers information. Threatened to sue me without properly following procedures in FDCPA. Calling or contacting you without disclosing that they are debt collectors trying to collect a debt. 

This call came from Comenity Capital Bank for an XXXX Credit Card Account. The XXXX called on the phone number : XXXX.
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

A friend of my spouse advised him of a investment opportunity to become XXXX/XXXX  of your own XXXX  and XXXX. At the time, we were looking for an investment opportunity to replace my previous income. We met on 2-3 occasions with XXXX XXXX, XXXX XXXX XXXX, my husband- XXXX XXXX XXXX and myself. We discussed XXXX XXXX XXXX XXXX in detail, its success and that he had many other investors that were profiting and doing well by partnering with his business. I reviewed reports, emailed data, and foreseeable numbers regarding earning potential that was provided by XXXX XXXX XXXX. In addition, XXXX XXXX XXXX advised that my husband 's friend XXXX XXXX would be working in his operation, in particular to XXXX XXXX for our XXXX  and XXXX, which gave me an additional peace of mind. We invested {$90000.00} total in the form of check/cashiers check. One check # XXXX on XX/XX/XXXX for {$30000.00} from our XXXX  XXXX XXXX account and a cashiers check issued on XX/XX/XXXX through the XXXX XXXX XXXX XXXX XXXX, account # XXXX and check # XXXX in the amount of $ XXXX.Both checks were cashed through Wells Fargo and the the cashier 's check for {$60000.00} was cashed, but not signed or endorsed, only deposited into the XXXX & XXXX XXXX bank account.The name of the business involved is XXXX & XXXX XXXX and the owner is XXXX XXXX XXXX XXXX The address provided is XXXX XXXX  XXXX XXXX, XXXX, TX XXXX. We have notified this party of the issues and he has been contacted by the XXXX Police Department. We have requested all funds back in writing on multiple occasions throughout the past 4-5 months. At this time, we have only retrieved back the following : Bank Wire on XX/XX/XXXX : {$210000.00} Bank Wire on XX/XX/XXXX : {$2800.00} Bank Wire on XX/XX/XXXX : {$2800.00} All of the funds listed above were returned through a bank wire from a Wells Fargo account. I have notified XXXX  XXXX XXXX, Wells Fargo and the XXXX XXXX XXXX XXXX XXXX. Wells Fargo is the only bank that has yet to fully respond. In addition, I am cooperating with the XXXX Police Det. XXXX XXXX # XXXX, XXXX and his fax number is XXXX. In addition, I reported this incident and fraud to the FDIC as of today, XX/XX/XXXX.
Consumer complaint received 2022-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC (PA)

was told that my credit score was not high enough and needed to verify bank acct information such as acct number, routing number and my on line banking user name and password. they would deposit a fixed amount from their bank to my acct. I was suppose to withdrawal funds and send back via XXXX  or at a XXXX or XXXX. I got suscpious and questioned it they told me to not worry they were only taking the amount they deposited and that my money I had in there was safe I could even transfer that money out prior to make sure I was charged anymore. They started to deposit several amounts in one acct. then I saw they had access to my other checking acct via thru my online banking and they deposited a few amounts in that I questioned that they said it was for verification purposes and as soon as I would give them there amount back i would receive my loan amount of {$4000.00}. I called my bank and put a stop to this reported it as fraud closed the bank acct. and changed my user name and password for my bank.
Consumer complaint received 2020-01-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$37.00}, {$4100.00}, {$5200.00}, {$0.00}, {$320.00}, {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account.
Consumer complaint received 2022-11-20
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: GOLDMAN SACHS BANK USA (VA)

on XXXX XXXX, 2022, Received an alert from XXXX XXXX on my XXXX account that a new Goldman Sachs Bank USA account was detected. I didn't apply for this company 's services and have no idea who did use my name. The notes stated that the account was opened on XXXX XXXX, 2022. I have never applied for this account and spoke with the company 's fraud department. They informed me that their company doesn't do credit checks and I should report this to you and several other credit agencies.
Consumer complaint received 2019-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.