davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
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: AVANTE (FL)

Hello I am XXXX XXXX I am not a third party company disputing. I am in fact the natural person and consumer disputing this on my own and the companies that I am disputing is AVANTE USA, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX. I am a senior citizen I have no applied for any credit card in the past 5 years, I noticed that I have a few credit card accounts listed on my consumer report. It seems to me that my information was leaked in several breaches to be exact. XXXX Breach, and several other breach which caused a few thieves to place card accounts on to my consumer report. I have no knowledge of the accounts of XXXX XXXX 's. The account AVANTE USA, XXXX XXXX that is in fact questioning is based off of HIPPA violation. I did not give any anyone any consent nor written consent to furnish any personal medical information this is a major violation of and you could be held civilly in a federal court room. I advise that you remove this debt by Friday by XXXX. If it is not removed permanently and immediately I will pursue litigation in the coming week. By law you can not furnish personal medical information. Unauthorized release of information. Improper disposal of personal record. These are all violations that you have committed and is forgery. This is a criminal act. With HIPAA violation fines reaching up to {$50000.00} per occurrence and a maximum annual penalty of {$1.00} XXXX per violation, it's important for medical practices to ensure they are HIPAA compliant at all times. And while all possible HIPAA violations should be considered potential threats to your medical practice, some are more common than others.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX / XXXXXXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

Hello Consumer Financial Protection Bureau, Previously, I opened a claim with a complaint number : XXXX. To summarize what happened in the complaint, an unauthorized transaction posted on XX/XX/XXXX for - $ XXXX. On XX/XX/XXXX I was given a provisional credit of + $ XXXX. On XX/XX/XXXX, the claim closed and - $ XXXX was taken away. When it was taken away, it was labeled Other Debit. I appealed this decision and WON THE APPEAL. However, Citibank still refused to pay me back. 

On XX/XX/XXXX, Citibank responds to CFPB and states that they need more time to do the investigation. On XX/XX/XXXX, they conclude the investigation in my favor and sent a letter stating so. But since they never paid me back, I called and sent additional letters even after I won the appeal. 

Earlier today on XX/XX/XXXX, Citibank sends another letter that states : With regard to the {$1000.00} debit dated XX/XX/XXXX, we found that this debit is directly related to a request previously submitted using a debit card to fund your Citibank checking account ending with XXXX for {$1000.00}, which posted on XX/XX/XXXX. We received notification on XX/XX/XXXX, which indicated that a dispute had been filed by owner of the debit card used indicating that the funding transaction was unauthorized. 

THAT IS INCORRECT The transaction that posted on XX/XX/XXXX is a valid XXXX transaction from my XXXX account. On the Citibank notes it says XXXX Debit Card Balance Builder INTERNET XXXX. However, in the XXXX notes it says Quickpay With XXXX Payment To XXXX XXXX XXXX. I only made one transaction on the XX/XX/XXXX between those accounts and they match up. 

Somehow Citibank mislabeled the transaction of XXXX XXXX XXXX XXXX instead of XXXX payment. 

The transaction number for this is XXXX. 

I have also attached a screenshot ( in PDF format ) of the XXXX XXXX statement. It clearly shows a valid XXXX transaction that matches Citi. There was only one transaction that was made on XX/XX/XXXX. According to the letter sent to me, on XX/XX/XXXX, Citibank received notification that a dispute was filed by the owner ( which isnt true ). Because of this, the screenshot will show entries between the dates XX/XX/XXXX and XX/XX/XXXX. If this was true and was really notified, there should be some type of reversal credit back to XXXX account between XX/XX/XXXX and XX/XX/XXXX. 

Before the Other Debit was the reversal of the provisional credit. Now they are stating Other Debit was the reversal of an unauthorized transaction on XX/XX/XXXX. 

Please help me! 

Thank you! 

XXXX
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

The recent Equifax breach caused me concern of my sensitive personal data having been stolen. I am concerned regarding possible identity theft. However, Equifax will not allow me to know with 100 % certainty whether my data has indeed been stolen until I sign up for their service which 1 ) Charges me a fee after one year and 2 ) Forces me to waive my right to file a lawsuit against them should I become a victim of identity theft from this breach.
Consumer complaint received 2022-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

On Tuesday ( XXXX XXXX, XXXX ) I called my student loan servicer, EdFinancial, to receive a refund for student loan payments made during the payment pause. According to XXXX this should be allowed, as they state that " You can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). Contact your loan servicer to request that your payment be refunded. '' ( XXXX XXXX XXXX XXXX XXXXXXXX ). Over the phone with EdFinancial I was told that they would submit the request, but had absolutely no timeline to give me. They would not tell me if I would receive the refund within weeks, months, or more. This is ridiculous, since other student aid loan servicers are telling people to expect refunds within weeks, or a few months ( many examples confirming this online ). It seems that EdFinancial is the only servicer with no real timeline. I called again on Thursday ( XXXX XXXX, XXXX ) to confirm that the refund was submitted and asked again for a timeline, and I was again told that they had no timeline to give me. The refund is for a large amount of money ( {$8900.00} in total ), and waiting an unspecified amount of time ( months? years? ) to receive it would be completely inappropriate, especially when other servicers are not having this issue.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: COMMUNITY REINVESTMENT FUND (NC)

Supposedly low income small businesses were eligible to receive up to {$2.00} XXXX Dollars for the XXXX XXXX XXXX XXXX. I have been denied on multiple occasions even after I have sent over emails and had phone calls about the DOD-Frank Wall Street Act.
Consumer complaint received 2021-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello in XXXX of 2020 I tried to open a bank account. I was told that I was not able to due to me being in XXXX and XXXX XXXX by Bank of America. I found out someone had used my social security number and other personal information to open a bank account with them. I let Bank of America aware of the fraud account and that I didn't open said account they sent me a identity theft avidadit to file our which I did to the best of my ability. I sent in a copy of my identity theft report as well to prove that I didn't live at that address and it wasn't me. They sent me a letter back sending my identity theft claim. They pretty much told me they are not going to remove this negative account off my records and that is my problem. 

I want bank of America to take this fraudulent account off of my records so I can be able to move forward with my life.
Consumer complaint received 2017-09-04
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. (MN)

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department and sent a copy of the police report and case number to XXXX XXXX, Equifax and XXXX in regards to a fraudulent account and hard inquiry listed on my credit report. The following fraudulent account and hard inquiry do not belong to me : XXXX XXXX XXXX XXXX XXXX, {$5100.00}, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

Long story short, I was scammed and sent someone I didnt know {$470.00} via XXXX bank XXXX on XXXX. I called my bank *Chase on XXXX and they basically told me that XXXX XXXX XXXX evidentially XXXX XXXX pretty much the same as sending cash. I opened a ticket/case with them * XXXX but they said more than likely I wont see that $ ever again. I dont understand how they cant just reach out to the persons bank and put a hold on {$470.00}. Even if their account is at {$0.00}, they can still find out who the account belongs to and reach out to them. My bank said it would have to be pursued via legal. I just started working with legal firm today XXXX.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO XXXX XXXX XXXX ( XXXX  ) ( XXXX ). I HAVE A RIGHT TO PRIVACY ACCORDING TO XXXX XXXX XXXX ( XXXX ) ( XXXX ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2021-09-06
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. (NJ)

Equifax has ignored all my request and CFPB request This is my final request Asking for assistance. I have included ID and Reports and I will also include documents that were faxed to them on several occasions with the fax received receipt. and my phone number. before reporting this issue to the Attorney General of the State of New Jersey. the settlement with the breach doesn't amount to the impact it causing to my life.
Consumer complaint received 2017-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARC Services (CA)

Arc services contacted me on XXXX XXXX, XXXX during work about money my friend owed for the bail bonds that I have cosigned for. The agent XXXX XXXX appeared sympathetic and offered to make a deal with me. I told him to give me a little time to contact my friend whom I have not talked to in 4 years. 2 days later he called me and asked if I wanted to make a deal with him or not. He appeared aggressive so I told him I do not want him to call but to email me instead. Then I hung up. He continued to call then left a voicemail and texting me threatening to sue me and garnish my wages. He texted me my email was incorrect and to send him the right one. I told him after I send him my email to stop texting me. He continued to text me after I sent him my email and said that I have one more chance or else. I called him and told him that I will continue to try and call my friend about to situation and to stop harassing me.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Upgrade, Inc. (TX)

I opened the account, after reading this account is not with a bank and is a XXXX company that is part of XXXX XXXX, I wanted nothing to do with this account and asked politely and professionally to close my account as I opened it in error. 

I want this account closed.Checking XXXX and XXXX XXXX
Consumer complaint received 2017-09-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

I gradients Over ten years ago and I still have a balance of {$120000.00}. It 's awful and the amour seems to get higher and higher. I do n't even remember signing for this large amount of student loan debt. 
Help!
Consumer complaint received 2017-08-22
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. (MS)

Im not sure of the exact dates. But within the last 7 months ive submitted letters to to XXXX, Experian and XXXX to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.
Consumer complaint received 2017-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MI)

For the past 5 days I have received numerous calls from a phone number associated with a debt collection agency dba as Amsher. They are calling from XXXX and then either hanging up or leaving empty voicemails on my phone, both of which are most unwelcome and unwarranted practices.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from CAPITAL ONE BANK. Be advise pursuant to 15 USC 1666b ( a ) ( b ). 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My very private and crucial information, such as SSN, Date of Birth, Full Name, Addresses, Credit Card information were stolen and are now floating around somewhere as public information. This causes an unending sense of insecurity and worry due to constant possible identity theft, money stolen, etc. Heavy mental stressed placed on me due to the breach of my security and identity.
Consumer complaint received 2017-08-22
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: Fidelity National Information Services, Inc. (FNIS) (NC)

XXXX XXXX is a fraudulent bank account that was opened in my name. I have spoke to a security officer in which the account was supposed to be deleted from chexsystems, which it is still showing. I have  contacted my lawyer as well with this information to come to a resolution
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

XXXX checking accounts were established with TD Bank using my my name and address. I do not have any accounts with TD Bank. I was first alerted by mail on XXXX, XX/XX/2022 with XXXX account alerts of insufficient funds. On XXXX XX/XX/2022, I received XXXX visa debit cards and XXXX check books with these same accounts. I reported this fraudulent activity to TD Bank who has suspended the accounts and is launching an investigation.
Consumer complaint received 2021-09-06
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. (NJ)

Equifax has ignored all my request and CFPB request This is my final request Asking for assistance. I have included ID and Reports and I will also include documents that were faxed to them on several occasions with the fax received receipt. and my phone number. before reporting this issue to the Attorney General of the XXXX of New Jersey. the settlement with the breach doesn't amount to the impact it causing to my life.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

The is in relation to the recent Equifax security breach in XXXX  2017.
My complaint includes the following items : 1. Equifax improperly used my personal credit information that allowed data leak 2. When attempting to check for the impact using https : //www.equifaxsecurity2017.com website they appear to be giving random answers, for example, I submitted the same information twice and once got " not affected '' answer and the other one resulted in " might have been affected '' answer. Both inquiries have been placed on XXXX XXXX, 2017.
3. Equifax failed to notify me about the breach ( even though they have my up to date contact information ) and I had to find out from news sources.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

On XX/XX/2021, I wrote a request for the method of verification for a dispute initiated on XX/XX/2021 and the response was this account was " verified '', but ignored my request to provide the method of verification. I have verified with the United States Bankruptcy Courts in XXXX, Colorado ( SEE ATTACHED LETTER ) that there is no verification submitted,. I followed up XX/XX/XXXX, and XX/XX/2021 to have this account removed considering there was no verification which is a direct violation of FCRA. The account is still reporting and needs to be removed immediately.
Consumer complaint received 2020-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent multiple credit disputes with these companies, asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission, with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame, and their investigation results they have not abided by these laws.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

GREEN TREE SERVICING LLC OFFERED AND AGREED TO PAY CASH FOR KEYS RELOCATION ASSISTANCE OF {$3500.00} THAT WAS PRESENTED BY THEIR ATTORNEY LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX. GREEN TREE SERVICING LLC CHANGED LEGAL REPRESENTATION AND THEN REFUSED TO PAY THE CASH FOR KEYS OFFER THAT WAS AGREED AND ACCEPTED. GREEN TREE SERVICING LLC INSTRUCTED THEIR NEW ATTORNEY TO OBTAIN A FORCEABLE EVICTION WITH THE SHERIFF DEPARTMENT.