davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
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: EQUIFAX, INC. (TX)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX** XXXX XXXX**
Consumer complaint received 2019-03-05
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. (TX)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc. (AL)

Called a former workplace and left detailed information about my private debt. I have told them repeatedly I no longer work there and they keep calling. I have repeatedly ( for several years ) told them to cease and desist from contacting me. I have no interest in dealing with them. I have sent written request and verbal request on multiple occasions.
Consumer complaint received 2023-01-28
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2017-12-28
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions.

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TX)

On XXXX/XXXX/XXXX I decided to sell {$200.00} USD of XXXX cryptocurrency and have it go into my bank account. It 's been almost 10 days and have not seen a transaction. Contacting customer service on XXXX/XXXX/XXXX results in an AI bot that just keeps redirecting you through FAQ pages. Now I have money lost with the coinbase app showing transaction is completed in transferring funds and I have other the remaining coin that I 'll need to just extract. My bank account has been validated and linked to the service and which was validated through multiple deposis so it is n't the wrong account number.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (NY)

On XX/XX/XXXX I was reported for suspected fraud activity and my bank accounts in XXXX XXXX XXXXXXXX were closed. Two accounts that my uncle and I had opened in XXXX, which he is the primary signer on both. Unfortunately we ended up being victims of fraud in XX/XX/XXXX. I was attempting to sell a vehicle posted online and the person interested in buying was in Florida at the moment, he said he was going to send the money using online transfer, but without my knowledge he went to an ATM and deposited 2 checks into the savings account. The total amount deposited was {$24000.00} USD. As soon as the bank released the hold on the checks he contacted me because he said that he made a mistake and sent too much money. I returned a total of {$18000.00} USD, which was done by transfer in a branch of XXXX XXXX XXXX in New York, and also with Zelle. Shortly after the Bank contacted me by email stating that the account balance was at critical low risk, this was because the checks deposited into the account were fraudulent and they bounced. Then we began calling the bank, making claims and also reported to the police. XXXX XXXX XXXXXXXX took immediate actions by closing our accounts and reporting us to 2 Consumer Reporting agencies, these are : XXXX XXXX and Early Warning. I disputed with these agencies on XX/XX/XXXX and sent supporting documents, on XX/XX/XXXX I got a positive response from XXXX XXXX, they proceeded to clear and delete me from their records, but Early Warning didn't do the same, they said that the information was correct and would remain on their records. Now 3 years later I requested an updated consumer report and noticed that the information still remained on the report, which is so disappointing because this is a negative situation that affects me. How can the bank and Early Warning accuse me for account fraud? I was a victim of a crime and have a police report that states so. The detective also forwarded the case to the FBI because he classified the crime as Grand Larceny. I tried again to solve this situation with the agency but they say that I can't dispute again. So I really hope that this complaint I'm sending will help to clear my negative report from this agency ( Early Warning ).
Consumer complaint received 2019-03-05
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. (TN)

My identity was stolen and numerous accounts have been opened. I am trying to get a new SSN but this has been quite difficult. Sent Experian an FTC ID Theft report, proof of ID, and police report. They removed all but 4 of the accounts. They claim the furnisher verified my name, SSN, and DOB. This is obviously the information stolen, yet Experian won't remove these accounts. There are also 4 inquiries and several addresses I have never been associated with. I am attaching a new FTC ID Theft Report, Proof of ID, and list of the incorrect information.
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (MI)

On XX/XX/2019 several automated withdrawals were taken from an unauthorized company in XXXX, XXXX. from my checking account. As well as a second company called XXXX. 
XXXX amount was {$1900.00}. XXXX had 4 transactions totaling {$36.00}. All transactions were still pending when I discovered them and immediately went to the bank to file a fraud dispute and to the police department to file a police report. 
Dispute numbers with TCF Bank : XXXX XXXX XXXX Michigan police department case reference number XXXX The bank did not flag my account or these two companies for further fraudulent activity and advised me against closing the account as I still had a handful of outstanding checks to be cleared and they said they would not reversed fees or honor payment through a secondary savings account. I was also told this dispute would be resolved within 3 to 5 business days. 

On Friday XX/XX/XXXX, I received two letters from the bank asking for more information. Really the letters just asked for the same information I had already filed and needed to be returned to their dispute center. I immediately responded via email with both documents and screenshots of the account activity. 

I also returned to my local bank to close both of my savings accounts as well as the checking account in question and was told again not to completely close out the checking account until the dispute was closed or they would not be able to refund my money. 

On Monday XX/XX/XXXX another attempt from XXXX to withdraw {$1500.00} was made. The bank had not flagged this or the company and luckily I found it while still in pending status. after 30 minutes on the phone trying to get to a supervisor at TCF Bank headquarters I was able to have those charges reversed and my account frozen. 

I've now been told that this dispute will still be worked on for up to another 5 business days before they will then send me a letter with their determination VIA u.s. mail and that latter will let me know how long it will take for them to refund my money. 

As a 25-year customer of TCF Bank, I am appalled that there has been no attempt at assisting me in alleviating further fraudulent activity but I have instead been treated as the guilty party and threatened with late fees and charges due to this illegal activity. I have also been refused access to talk with anyone in their fraud department on numerous occasions.
Consumer complaint received 2017-12-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw Santander. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if santander verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. Santander violated my rights by opening an account without verifying my identety. 

Santander nor XXXX have responded to me after they attempted to verify the debt with the fraudulent documents created by the the dealership, that they accepted without verification. The debt must be removed from my credit file as santander violated my consumer rights. 

Further more. If a creditor chooses to report to the credit companies, that information has to be 100 % accurate. All of my credit files are missing some payment information for the santander account. This is a violation of my rights, the item must be removed.
Consumer complaint received 2024-01-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

I received notifications from XXXX, XXXX, and XXXX stating that I've been sent to collections/and or have negative items damaging my credit score from all 3 credit bureaus. Identify theft was reported to Internal Revenue Service, Federal Trade Commission. I was told to have a police report with all negative finding involved with identity theft to continue process. Account name : NAVY FEDERAL CR UNION Account number XXXX. Account name : XXXX XXXX  Account numberXXXX, I will like to get these collections off all 2 negative items on XXXX, XXXX, and XXXX off my credit report due to it being identity theft.
Consumer complaint received 2019-03-05
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. (CT)

On XX/XX/19 I filed a CFPB complaint # XXXX, In pure regards to the validity of a unverified debt XXXX XXXX XXXX stated that I owe. 

On my credit monitoring service today on XX/XX/19 I received a notification that there was a decrease in a collection account that I supposedly paid XXXX XXXX XXXX at lease {$1.00}. I have never contacted this collection agency directly outside of this platform " CFPB '' to address my concerns. 

This company has reported to Transunion according to my monitoring service that I personally made a payment towards this account which never happened. 

Therefore, I'm asking for XXXX XXXX XXXX to provide proof of payment and method of payment made by me as reported to Transunion.
Consumer complaint received 2018-02-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (IL)

Lender has repossessed vehicle with no warning. I have been calling the company for 6 hours and no one will tell me where the vehicle is or what amount I will need to pay for it to be returned. 
The company is GMFinancial. The website will not let me log in or reset my password and the call line has transferred me twice. Given me a bad phone number to call. And told me three different times to call back since Thier " system is down '' I have been on hold for over an hour now.
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I sent letters to all 2 credit bureaus telling them their was fraudulent accounts on my credit report I did n't know how they was there they did n't belong to me ..I also told them accounts was reporting wrong and inaccurate information such as open dates, wrong payment amounts and etc ..The 3 bureaus did nothing about it but sent me back a updated copy of my credit profile without investigation..I have pics to show the inaccurate information my Same accounts on credit reposts have different balances, open dates and etc .According to the FCRA all information should be truthful and correct and these bureaus are breaking the law destroying consumers report and nothing is being done about this ...
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent letters to all 2 credit bureaus telling them their was fraudulent accounts on my credit report I did n't know how they was there they did n't belong to me ..I also told them accounts was reporting wrong and inaccurate information such as open dates, wrong payment amounts and etc ..The 3 bureaus did nothing about it but sent me back a updated copy of my credit profile without investigation..I have pics to show the inaccurate information my Same accounts on credit reposts have different balances, open dates and etc .According to the FCRA all information should be truthful and correct and these bureaus are breaking the law destroying consumers report and nothing is being done about this ...
Consumer complaint received 2017-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Account Control Technology, Inc. (CA)

I 've contacted this company since XXXX XXXX XXXX regarding my account that was taken over by XXXX as of XXXX XXXX XXXX. I was told by XXXX an account manager that a letter went out to my employer the week of the XXXX My employer finally received a letter dated XXXX/XXXX/XXXX, 9 days after what I was originally told. I called in on XXXX and spoke to XXXX myself, requesting a fax letter releasing my garnishment. XXXX stated she 'd have that letter faxed to me the same day. On XXXX I still had n't received the letter to provide my employer so after calling and leaving repeated messages I called back again and asked for XXXX 's supervisor, to my surprise XXXX answered and stated that she 'd get the letter faxed for sure. 
After repeating myself to XXXX countless times I finally received a fax on XXXX releasing my garnishment dated XXXX. I called her back AGAIN, I asked for a corrected letter releasing with the proper date. She kept going in circles about my employer receiving a refund once they received my payment since there was no account to apply it to. I have a payment that needs to be made to XXXX. This has become a headache trying to get these people to correct what was a simple request. If there will be no account to apply the payment to why ca n't a corrected fax be sent to my employer instead of waiting about a month to receive funds that do n't belong to them? 
I have to make my payment to XXXX with the funds that were withheld from my checks and it 's becoming difficult. 

The following email was sent on XXXX/XXXX/XXXX at XXXX I have attempted to reach out multiple times with failed attempts. I requested call backs for the account manager XXXX ( ext XXXX XXXX with no follow up calls. I dont know how a manager would not return phone calls. If a manager is overwhelmed my account should have been given to someone else. 

Ive requested a form stating the date my account was released and taken over by XXXX. My first request was on Monday XXXX XXXX XXXX. I then called back and spoke to XXXX herself on Thursday XXXX/XXXX/XXXX, she stated the form was mailed out on Monday XXXX XXXX XXXX. My employer and I have yet to receive this letter that should have taken 1-2 days at the most based on their location. XXXX also stated that shed have a letter of release typed up and faxed to my employer. Finally received the fax on XXXX/XXXX/XXXX with the date of release XXXX/XXXX/XXXX. 

When I received the fax I called in AGAIN and spoke to XXXX stating the release was dated with the date the fax went out, which was XXXX/XXXX/XXXX not XXXX/XXXX/XXXX. She then back tracked and stated that my account was not released until XXXX/XXXX/XXXX which XXXX stated my account was taken over on XXXX/XXXX/XXXX. This needs to be corrected, there is no reason for this delay. My fax is XXXX XXXX XXXX XXXX. My next step will be filing complaints on ACT and their employees that have failed to do their job.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (GA)

A fraudulent wire was initiated from my account. I have contacted my bank and after a week nothing has changed. I called back in again and the first call never saw any action. I never received any text alert about a wire charge. I would like funds placed back into my account. Wire was done on XX/XX/19 plenty of time has gone by to fix this problem. 

I changed all account numbers changed all passwords to accounts and secured everything on my end.