davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
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: NAVY FEDERAL CREDIT UNION (FL)

Went to first time home buyers program and credit was pulled and was informed about 2 credit card charge offs both opened in XXXX without my knowledge. I was advised to get police reports, identity theft reports and dispute directly with bureaus. I sent letters with police report, identity theft report and Id in XX/XX/XXXX for validation of debt, none was provided. Sent letters again XX/XX/XXXX and again certified XX/XX/XXXX. I was XXXX in XXXX and had no knowledge of anything related to credit nor have I ever had a credit card until XXXX I just got a secured card to use my own money while I learn about credit. I have contacted the creditors as well and still have yet to receive proof of these debts. 

Navy federal opened XX/XX/XXXX owed {$3100.00} XXXX XXXX opened XX/XX/XXXX owed {$3600.00} I will be starting litigation using ground " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists '' to seek removal of these 2 accounts
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AL)

I opened a checking account with Citibank and was approved. I set up direct deposit. XXXXour days later they send an email saying they are closing my account in ten days due to a report from early warning services ( which should be done before approval ). My pay check had already been sent there for deposit. Once it showed in account I tried to withdraw, and also tried to wire the money back to myself. When I tried they would ask for info to check information and then say it doesnt match and they cant help ( but it is my info ). Told I will receive a check in 90 days. I can not wait 90 days. I filed a complaint with XXXX and get an email back from them that was XXXX help. It was just a copy of their policy saying they have the right to close account. Of course, I just want my money so I dont get further behind. There are numerous reviews online of this happening to lots of people. Their customer service is out sourced and doesnt understand the situation.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc. (CA)

I received notice of Mercury Account Closure on XX/XX/XXXX at XXXX XXXX  PST. An email was received from XXXX with very limited information as to why. I went to log into my account online, and only found a splash screen stating my account status was " Pending ''. When I responded to the email at XXXX XXXX  PST requesting new information, I waited more than 12 hours and responded back again XX/XX/XXXX at XXXX XXXX PST asking to speak with someone about this situation. 

I received the same canned response back at XXXX XXXX  PST with language stating that they may not respond back if I chose to continue to reach out. I responded back at XXXX XXXX PST XX/XX/XXXX offering any assistance from our end in resolving this matter with no response. 

Mercury does not list a contact phone number on their site, and their FAQ actually lists their contact number only available upon login ( which I've been locked out of the account to even obtain that information ). 

Learning Mercury is backed by XXXX XXXX XXXX XXXX I gave them a call after the lack of support form the email exchange, and was provided a direct number to Mercury support.

I called Mercury and spoke with the first agent for nearly 30 minutes who'd mentioned she notated the ticket on the account and that the compliance team would review. She refused to provide any further information, or a human contact in the compliance department stating " all communication is via email with that team and they don't have a phone number ''. She mentioned I may call back in a couple hours to check on things, but they may not have any updates until end of day. 

I called back nearly XXXX hours later to find they had blocked my number, and I was only able to get through via blocking my number. Upon verifying my account, the agent mentioned that they would not longer be able to assist me over the phone and abruptly ended the call. 

I've kept ~ {$21000.00} in the account for the past several months with very limited activity only to pay contractors from this account. This amount comes from the original deposit of nearly {$35000.00} when the account was opened several months back, and cleared long ago. 

I've had XXXX separate accounts within Mercury, and this account has never been in question. I need these funds to pay contractors that are now overdue, and this has put my business in a very dire situation.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-11
Product: Credit reporting 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. (FL)

Account - XXXX : Account - XXXX  XXXX Account - XXXX  Account - XXXX  # XXXX The above accounts were opened fraudulently without my consent. 
Please remove from credit report asap
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

XX/XX/2021 I recieved a letter in the mail dated for. XX/XX/2021 stating an owed debt of {$620.00} from Radius Global Solutions, a third- party debt collector for XXXX XXXX XXXX ( USA ). The debt was previously settled with XXXX XXXX XXXX ( USA ) on XX/XX/2021 and was cleared as PAID, therefore it is illegal that this company pursue any further action to collect debts. Radius Global Solutions was contacted via phone to resolve the debt which was paid to XXXX  XXXX XXXX  ( USA ) on XXXX XXXX. The debt collector was not willing to remove without first verifying address, social security number, and birthdate. All 3 things required to be verified in order to apply to the credit report. I also asked if they could let me know if it could actually be resolved by showing the debt was paid the supervisor I spoke with replied with, '' I can't say unless you verify the remaining information ''. Once again this debt shows as paid to XXXX XXXX XXXX ( USA ) on my credit report. 

A fourth party creditor, XXXX XXXX XXXX, to a 3rd party creditor XXXX XXXX XXXX is also attempting to collect a debt from the original creditor XXXX XXXX XXXX ( USA ) for a balance of {$330.00}. The debt was settled with the original creditor and once again this is an illlegal practice to sell a debt which is no longer owed. I'm requesting that the debt collection be withdrawn due to the illegal and unethical practices being taken.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The reason for this complaint stems from my desire to purchase a house and the subsequent discovery of damages present on my credit report. According to the guidelines outlined in the 15 USC 1681, it is explicitly stated that my credit report should not reflect any unjustifiable damages, as this could be construed as an act of defamation against my character. 
It is my firm belief that these damages have adversely affected my ability to achieve my financial goals, including securing a home. I am reaching out to the CFPB to address this matter and seek a resolution that aligns with the legal standards set forth in the aforementioned statute. Thank you for your attention to this important concern.
Consumer complaint received 2023-12-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Sometime around the XXXX of XX/XX/2023 I went to the First National Bank on XXXX XXXX in XXXX. I was making a deposit of {$3000.00} and requesting an foreign exchange in XXXX for the same amount. I was working with a teller all the way to the right of the teller line and amidst our transaction she said she didn't know how to do it and called another teller over by the name of XXXX. This teller then moved me all the way to the left of the teller line to process the remainder of our transaction. She explained that the transaction would actually be over {$4000.00} due to the exchange rate, I agreed. She pulled up my balance and saw that I clearly had more than the extra {$1000.00} needed and processed the paperwork. I was called in a couple of days later and given the {$4000.00} in Euros. The transaction was completed. In XXXX, I get a call from the bank saying they took money out of someone else 's account that should have been taken out of mine ( for the above transaction! ) They don't know how that happened and they have no record of depositing the original {$3000.00} we started the transaction with. XXXX, said she looked at the transaction around the time I was in but couldn't see it deposited so were assuming it was never deposited! Clearly they would not have given me {$4000.00} in XXXX if they did not have the money. She said she would keep looking into it and call me back. I called and spoke with her and she said she couldn't find it, this was not my problem but theirs. In XXXX, all of my accounts are closed, they took all the remaining cash from a checking account I had there, a small savings account and a mutual travel saving account I have w/ someone else. Then I received a letter, after the fact, saying they were going to report me for bad credit!! They have since, stopped me from being able to open any other account at any banking institution!! I agree that they should have taken the balance due for the exchange rate but at this point they have stolen thousands of dollars from me and are keeping me from being able to pay my bills! Please help me.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit,. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.
Consumer complaint received 2022-08-21
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. (OH)

In accordance with the Fair Credit Reporting Act 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 has violated my rights.

15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without MY written instructions.
Consumer complaint received 2023-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. They have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. I demand removal.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

On XX/XX/2020 I applied for a loan with Amerisave to refinance an investment property. I paid my {$500.00} application fee and was told closing was taking longer, 60 days in most cases. After submitting all of the requested documents, my loan officer said they had all they needed and would proceed with the loan. Time moved on but I was aware it was taking longer to close loans due to the number of people applying. In follow-up emails and phone calls I was told everything was on track. There were problems with the Amerisave portal requesting the same documents I had already submitted and requesting I fill out multiple applications. The loan officer fixed those issues. Eventually I stopped hearing back from my loan officer even after sending multiple emails and phone calls. After calling the customer service line, I discovered my loan officer had changed. The new one assured me my loan was still headed in the right direction but I would have to submit all of my documents again! At this point it is XXXX and I am starting to worry about the 0.5 % government fee for refinancing. No one at Amerisave could tell me if I would be subject to that fee or not, only that we would close before then. XXXX comes around and I call customer service again since my loan officer is MIA. They get ahold of the loan officer who tells me I need an appraisal. Well I was told, and have in writing, that an appraisal would not be needed. I send him the e-mail from the first loan officer indicating an appraisal was not needed. I let the new loan officer know I am fine with an appraisal but wanted to know why one was now needed. He said the terms of the loan had changed but could not tell me how. I also told him I didnt see why I would pay {$500.00} for an appraisal when told in writing I didnt need one. He never got back to me. I again called customer service who put me in touch with the loan processor who again wanted me to submit the same documents I already had THREE times. She also said I needed an appraisal but could not tell me why or what loan terms had changed. She said she would talk to the loan officer and his manager to get it worked out. I sent her and the loan officer an email just to have a paper trail. Never heard back. Over the holidays I didnt worry about it. But come beginning of XXXX my loan application has been denined for incomplete information and credit denial. I have an XXXX credit score and I had provided all the documents multiple times! No one contacted me that yet more information was needed nor to follow up with me on why and how the loan terms changed. I feel Amerisave is running a bait and switch. They get people to apply, eagerly take their money, but then dont do anything with the loan or change the terms without explanation.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Experian is reporting inaccurate information on my credit report that has not been verified under federal law nor have I consented to the reporting of this inaccurate information. The inaccuracies and failure to reinvestigate this information has caused me financial harm and injury.
Consumer complaint received 2024-09-11
Product: Credit reporting 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. (PA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2021-02-11
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (AK)

My VA mortgage was sold from another vendor to freedom in or about XXXX of XXXX. Since, my mortgage has not shown up on my credit report from any of the 3 agencies. When I asked they responded that according to RESPA they would not report for 60 days. OK, well that's been far past the 60 days and still is not showing at all on my credit report. It was placed into forbearance back in XXXX but according to CARES ACT the loan is still suppose to report as a neutral status in forbearance status. This is not happening and Freedom is refusing to fix. I have called on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked for assistance. I am told each time they aren't sure the reason but assure me a date is scheduled to show. every time the date passes and another one is given. I am trying to refinance, which i explain to them, and this is detrimental to that process. I have paid the mortgage up to date and have also requested it be removed from the forbearance status, which has also not been done. I've done everything required and asked, but they will not help me. As a veteran this is every troubling as this refinance is critical to my financial health. I'm not sure what else to do?
Consumer complaint received 2021-02-11
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: ENCORE CAPITAL GROUP INC. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Midland Credit Management, XXXX XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Midland Credit Management Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$510.00}. The Account Opened is XXXX XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/2019 Balance : {$5100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-11
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: TD BANK US HOLDING COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX, Nordstrom/TD Bank USA, and XXXX. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-11
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (VA)

WRONG you are referencing the wrong phone call. I called the same month my payment was due to pay off the credit card. I NEVER spoke to that agent at all. All she said was hello and after I said hello she hung up on me. I was on hold for an hour. I could not afford to be on hold for another hour. I thought I paid at the store the following week. I even tried to have the store update my address. The store said they could not. The reason I could not pay nor update my address is because you have a bad phone customer service process. As a result I did not get my payment in on time and I was never notified about late payments BECAUSE of your bad phone customer service. I have everything else paid on time. I pay my mortgages, bills and other credit cards on time. YOU are the only one that has left a derogatory on my credit report and I should not have to pay for YOUR poor customer service!
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.