davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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: Garcadia Financial LLC (MO)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2020-11-13
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. (NY)

There are inaccurate items that are reporting on my credit report. i contacted these companies over 90 days ago and nothing has been resolved nor did i recieve any explanations.
Consumer complaint received 2024-01-31
Product: Credit reporting 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: Experian Information Solutions Inc. (TX)

Contact Information FTC Report XXXX : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
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 Personal Statement Numerous unauthorized inquiries and alot attempts to aplly for various services inder my name. I observed a significant increase in suspicious activities associated with my personal information including financial products Additional my Old XXXX  XXXXXXXX XXXX i cant even get back in. had been compromised and I currently locked out before thta XXXX XXXX said i had filed i told them no thats not me. Unable to crucial information. im take. taken necessary authorities amd implement security measures. Effect data breach. And so many more others.. appropriate actions to mitigate future damage Tax Fraud Date that I discovered it XX/XX/XXXX Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //www.identitytheft.gov Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your https : //www.identitytheft.gov/ #/
Consumer complaint received 2023-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NC)

Called Aidvantage regarding wrong information on my account. Showing a school that I never took out a student loan and under the XXXX program but my loans are showing different forgiveness dates when I took out XXXX at the same time. Spoke to XXXX representatives and was given different information. XXXX representative claims I took out a student loan in 2005 and was emailing me a copy of promissory letter which I have not received. 2nd representative claims didnt see a loan in 2005. Both representatives claim even though school showing a student loan was not taken out, it would still this. My student loans were taken out in XXXX in XXXX, NY and XXXX the are showing is in XXXX NC XXXX Amount on loans are inconsistent and both show a consolidation but only had XXXX loans. Would not let me speak to someone else above to get clarification. The loans were for XXXX and XXXX in XXXX NY for a total of {$10000.00}. Original loan taken out through XXXX XXXX Bank. Not sure if they still exist at this time.
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XXXX XXXX bought a old cc debt in 2012 now they sold it to XXXX XXXX & they hired a attorney XXXX XXXX   & XXXX the thing about is it is out of statu in the state of Arkansas
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JMD,LLC (CA)

I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. The attorney did not perform the services they charged me for and have gone out of business.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Saw a post about puppies that were being given away with a rehoming fee. Due to where I live from where puppies are suppose to be, a delivery fee would be charged. I sent the money for XXXX puppies to XXXX account and the delivery fee to another. The morning of the day I chose for delivery I was asked for more money for a vet fee. They kept going own on the new amount they were asking for supposedly for the vet ad stated they could not move puppies until it was paid for. When I stated I was not paying anymore money and that I wanted a refund I was told I could not cancel. {$200.00} went to XXXX XXXX with an email of XXXX. Receipt of payment was confirmed. I have all message communications between the other party and myself. Post about puppies being given away was reposted again and has again since been taken down but I have a photo of the post. I sed XXXX through Navy Federal. 

I informed my bank that this was someone I knew and had documentation they stated that their was nothing that they could do. They only kept advising me to only send money to someone I knew.
Consumer complaint received 2021-03-01
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. (DC)

For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well has been a defamation of character in addition a serious lack of confidence in the banking system especially when there is NO mention of a FICO, or XXXX score in the FCRA, FDCPA or TILA. 

I, XXXX XXXX XXXX, the natural person, living man, flesh and blood, am the authorized representative ( cardholder ) for XXXX XXXX XXXX ( Social Security Account ; credit card ) # XXXX. I never gave written or oral consent or was consent received from a court of competent jurisdiction to have my personal identifying information ( social security number ; name ; address ; etc ) be shared to these third parties ( credit bureaus ). This is identity theft per 12 CFR 1022.3h. In addition this is trespass and INVASION of of the consumers legally protected interest ( PRIVACY ). I XXXX XXXX XXXX the living man have all power above these companies and demand my request be honored. I am the CREDITOR per the FDCPA 15 USC 1692a ( 4 ) These are my written instructions per 15USC 1681b ( a ) ( 2 ) to EQUIFAX regarding my consumer report. Letter attached In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report. EQUIFAX is in violation of this code.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DIRECMANAGEMENT, INC. (AL)

On XX/XX/2018 the Collection Agency ( Direct Management ) began reporting inaccurate information and the address on the account do not belong to me. The amount listed on my credit report is {$2000.00}, however the collection agency sent a bill to me for {$1300.00}.
Consumer complaint received 2018-06-20
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: Bonneville Billing and Collections (CA)

Bonneville Collections has a collections account posted to my credit file. This account originally belonged to XXXX XXXX and was first reported as delinquent in the amount of {$120.00} on XX/XX/2013 therefore it is no longer reportable and should have been removed last XXXX.
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COMMERCE BANK (CA)

In XX/XX/2017 I relocated from XXXX to XXXX and as a result needed to close my Commerce Bank checking account. I contacted their call center and advised of my move. The representative informed me that she would notate the account, but since my account had a small balance, I would have to contact the local branch to get arrangements for a check to be sent. I was given a phone number and called multiple times leaving voicemails. 

The following XX/XX/XXXX, I checked my account online to ensure it was closed as I was never contacted back. I noticed two fraudulent charges on my account. I immediately contacted Commerce Bank and reported the fraud. I was told by the call center that because my account was closed, I would need to contact the local branch. I was again given a phone number to a local branch, called the number and left voicemails as no one would answer. I was never contacted back. 

Additionally, I emailed Commerce Bank and reported the fraud on my account. I was given different phone numbers to call. I tried these numbers with the same result. I was informed that my information was sent to the local branch for them to contact me. I was never contacted. 

A week ago, I advised Commerce Bank that if the issue was not resolved in one week I would be filing a complaint. This time my information was forwarded to the local branch. The branch manager called me while I was at work and left a message. I have called her number 3 times, left voicemails, and advised of specific times I can be contacted to avoid issues during my work hours. Each time I miss a call from Commerce and return the call, it goes straight to voicemail and we have still not been in contact. 

This issue has gone on far too long at this point. This is a Regulation E violation as my report of fraudulent debit should have been investigated within 10 days. I have copies of all emails I have sent along with phone longs documenting the numerous times I have contacted Commerce Bank.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (IL)

I have a hard time financially i have been overdrafting my account every week, but they Charge me fortalece every transaction i Made not only foro the one that overdfrat my account, and i hacw more thanks {$2000.00} on overdrafts fees on this year, calle them explain my situation they reverse me {$140.00} and didnt't explain anytihing now i review it they Toll me since they already make a reversal they aren't able to help me.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Theres evidentiary inclusive of this complaint as Evidence of the Facts, the fact is that these XXXX XXXX got {$640.00} as seen on my XXXX XXXX XXXX Statement. Also there is a letter from Portfolio Recovery Associates, LLC whereby they would request the Credit Reporting agencies [ Delete ] Portfolio Recovery Associates LLC TradeLine, to-date these XXXX  XXXX are still Reporting this XXXX in the thought of intimidation and White Supremacy with acts of continuous delays, but these XXXX XXXX got proceeds in record time from me as promised, calling on you, the Consumer Financial Protection Bureau to implore Redress immediately in this matter!
Consumer complaint received 2020-07-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CVB FINANCIAL CORP. (CA)

I write you to request your assistance with the gross and intentional mishandling of my companys SBA Payroll Protection Program ( PPP ) application ( original letter dated XX/XX/2020 ). With the assistance of senior management at XXXX XXXX, where I received my most recent PPP loan application denial, I was connected to Ms. XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX and Mr. XXXX XXXX at the SBA. Through the collective and concerted efforts of these individuals and their teams, I was urged to contact Citizens Business Bank ( CBB ) again, since all PPP applications after initial communication with CBB were denied by the SBA. 

I emailed CBB on Monday, XX/XX/XXXX to see if CBB had in fact submitted my loan packet to the SBA ( CBB states they never submitted our application - it was certainly never funded ). CBB did not reply. I  reached out to the SBA via XXXX provided contact information on XX/XX/XXXX also. Two days later on XX/XX/XXXX, I received an email from Mr. XXXX at the SBA informing me that CBB had an active loan assigned to my company and they cancelled it on XX/XX/XXXX one day after my inquiry and months after we applied. I was not provided even the professional courtesy of an email response or phone call from CBB. Their behaviors and attitude are worse than indifference and incompetence. My company and staff spent more than 80 hours on the PPP loan application process many of which was with CBB who subsequently told me to seek PPP financial assistance elsewhere. CBB then held our loan hostage for 3+ months ; this would appear to be willful and deceptive financial and business trade practices among other possible infractions of SBA lending covenants. As a trained financial and forensic  accountant, I think it close to impossible that mine is the only company in this situation. I not only request a response from you to this matter but an investigation of CBB and other small businesses put at risk of losing their company as a result of CBBs willful misconduct.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

Equifax does not find my file. I put my information several times, I called them 3 times, they don't look at my case. I typed my XXXX ( XXXX ) in te regiser form and even so they can't find my file.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

I believe my application was started at Amerisave XX/XX/XXXX. It has now been almost 120 days and not closed. My application and my loggin info with Amerisave always said cash out loan. I have expressed to everyone that I needed to max the amount I could get out because I needed braces. My first loan originator said she could get back approx {$7000.00} to me. She made a mistake with my address and it costs the process a month. She was apparently fired. Second loan originator ( XXXX XXXX ) got my file XX/XX/XXXX. I expressed to him that I needed to max cash out. See emails. He sent the loan to underwriting as just refi not a cash out. I figured that out with the loan processor ( XXXX XXXX ) on XX/XX/XXXX. She sent an email to XXXX and his boss trying to fix it. XXXX replied to that email that he spoke to me and everything was fine- I never spoke to him-have sent call log from my phone as evidence. Since that point he has sent me condescending, bullying, and rude texts to make me close the loan and said I can not speak with his boss.
Consumer complaint received 2018-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MO)

Someone was able to set up a new account with my information, which baffles me because I had a debt with another carrier that would not allow me to even set up another line of service on my already active account. How this is possible, to set up another account with my information. And the other thing that gets me, is that I am an employee for XXXX XXXX XXXX as well. Which is another oddity to this whole thing. I'm more perturbed by the fact this happened to one of their own employee 's. I would like to dispute this claim from my record, since I would never dream to open up a completely different account when I have a perfectly good one, that I am also very content with. 

The amount that I supposedly owe is {$820.00}.
Consumer complaint received 2021-10-05
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. (MO)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-09-12
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Bank XXXX XXXX Account XXXX XXXX CFPB COMPLAINT XXXX LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

So I e recently applied for a credit line increase at the end of XXXX. I was denied. This is the second time since Ive opened the card that Ive been denied a credit line increase.
Consumer complaint received 2020-08-19
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. (GA)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (GA)

These people called on XX/XX/XXXX about some debt I don't think I owe. I told them not to call back. They called back on XX/XX/XXXX and insisted I hadn't told them not to call back and said I just hung up, I told them to review the call they'd previously recorded
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I did not apply for this account and have never been asked to be authorized on this account. I've asked credit agencies to provide documents proving so, and nothing has been determined. 
I demand for these accounts to be deleted from my credit report.