davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AMERIS BANCORP (GA)

My bank contacted me about fraud on my account in California. I was told my card was cancelled. But a charge of XXXX was posted on XX/XX/20. This was one of the fraudulent charges. This causes a overdraft fee of XXXX on the XX/XX/20. The account was credited for those charges. But then set in the deficit for 5 days. This causes my scheduled paym chant Device. This causes two more overdraft fee of XXXX. Leaving my account negative XXXX. I spoke with Ms. XXXX who called Mrs. XXXX XXXX. Her deminor was rude. She said she would review the account.
Consumer complaint received 2020-11-17
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. (NC)

On XXXXXXXX XXXX,2020 XXXX XXXX alerted that Midland Credit Management has added a derogatory remark on my credit report per XXXX XXXX. Collection reporting upon further research this account was transfered and sold and I am no longer responsible for the amount of XXXX. Debtors Credit didnt verify the collection. Also, there was NO written form of communication, contract, or written signature for the amounted debt at all. A bill without a signature does not validate debt and anybody can send a bill and say that it is mine. According, to the FCRA Midland Credit Management has violated my rights a consumer and I am requesting legal action to remove this immediately from my credit report.
Consumer complaint received 2020-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST (CO)

I am refinancing my {$110000.00} home loan with a {$250000.00} HELOC. 

My new rate is 2.35 % ( a major decrease in my payment ) for {$500000.00} and I would like the HELOC at Bank of the West to be {$50000.00}. 

According to my lender, it requires over 20 business days to receive a subordination agreement from Bank of the West due to low staffing compared to the number of refinances their office is receiving. 

This puts me outside my lock in rate and my loan officer recommend I just get a new Heloc, faster ( and much more expensive with all new closing fees {$1300.00} for {$40000.00} ). 

I am in a paperwork administrative situation here. I have worked on this loan now for 3 weeks and now learning that I need to wait another month? 

I called Bank of the West to fax the paperwork to XXXX, my loan officer on XXXX. I called because the bank does not answer the phone in less than 20 minutes. When I go to the branch they say I have to call the 800 number. I also sent two emails with no response. When I asked to send a complaint to management the operator gave me the address in XXXX XXXX to Bank  of the West but she didn't know what department to sent it to. 

My request? Their phone message could say if you would like to give us your number and we will call you back at our earliest convenience.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My bank allowed fraudulent checks to be deposited and some withdrawal. The checks did not have the proper address nor my signature. They did not catch these checks in time and now have closed my bank account due to negative balance from them withdrawing the checks back. I have called my bank and try to fix this and they claim I owe them money. They State I have used XXXX XXXX to make transactions but I know I do not use this app. They're claiming I gave out my mobile banking information to someone. I just want them to refund my money that I had my account because now I'm going on two weeks without money trying to take care of my two year old and my bills are about to be shut off because of their mess up.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-08
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. (AZ)

I would like to request the suppression of this item from my credit report. The company has no agreement & is potentially fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}
Consumer complaint received 2020-10-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I am a person who has financial services with CitiBank, 2 checking accounts, 2 savings accounts and 1 credit card, for more than 2 years. On XX/XX/2022, I received a check from Citibank Bank for {$6000.00} dollars, which I deposited in a Citibank ATM on XX/XX/2022 in my savings account. On XX/XX/XXXX, when I enter the Bank 's Application to make the usual regular payments, I see that all my accounts have been blocked and I do not understand the reason, I immediately contact the Bank 's customer service to find out what happened, they send me to a call with the Department of Fraud and Deposits, who confirm that my accounts have been blocked and are going to be closed for the Deposit of a {$6000.00} check is the only explanation I receive, and I still don't understand what the problem is with this check I spoke with the issuer of the check, who calls Citibank Bank and they tell him that there is no charge in his account for any check for that amount, the next day the issuer of the check and I went to Citibank Bank to find out what is happening and that they give us a solution to the problem. They review my information and indeed the notes they find is that my accounts are blocked by that check, they ask the check issuer for the information and they see his active account without any charge, they ask him for the information on the check drawn, he shows his checkbook who wrote the check, the person who attended us confirms that this checkbook corresponds to a closed account, he explains that he had 2 accounts and that he closed one because he did not need it, that he kept the 2 checkbooks and that at the time of writing the check he used the wrong checkbook and made a mistake, the person from the bank once contacted the Department of Fraud and Deposits to report what happened, I talk to them and give them the same explanation and ask them if they want to talk to the issuer of the check and they do not accept to speak with him, they tell me that the accounts will definitely be closed to wait for a notification in 10 days, the reason for the non-payment of the check is already known. I deposited it in one of my accounts savings, I understand and am willing to have them investigate and present the necessary evidence that it is not a fraud and that I have never made an illegal movement, it is your obligation to contact the issuer of the check to hear their version and confirm what happened. 

It is a decision of total abuse Block the other accounts and not allow me to have our money to pay the obligations where my husband and I have received Direct deposit of the payment of our work and we make automatic payments of the cars, credit cards, Rent, Electricity, Gas. to date all payments have been rejected, I feel that my rights are being violated, affecting my credit history and causing extra payments for not paying all my bills and rent on time. 

I attach the information of the check and the receipt of the deposit where a copy of the check appears on the day and the hour.
Consumer complaint received 2022-09-21
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. (NC)

The Credit Agencies have not complied with my requests as well as the Fair Credit Reporting Act and continued reporting the disputed accounts and information as verified without sending me copies of proof of verification. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the Fair Credit Reporting act section 605b, the Credit bureaus are required to remove any accounts and information that resulted due to identity theft. The Credit Bureaus have failed to comply with the two Federal Regulations and is punishable by law. If the Credit Bureaus have claimed that the disputed items belong to me, they should have sent me copies of proof of verification and informed me of their findings, and yet the Credit Bureaus have not done so. I am submitting this CFPB Complaint to request to the Credit Reporting Agencies to please remove the disputed fraudulent accounts and information as soon as possible. Here is the list of accounts and information that were opened due to identity theft : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$920.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX NC ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$75.00}
Consumer complaint received 2022-02-15
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. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-04-07
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)

Upon reviewing my updated credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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
Consumer complaint received 2022-09-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (TX)

Hello, So we have had many problems with the financing company with whom we have the vehicles under. We have been making payments on time and have maybe them on time and they fail to process the payments. We have tried many times to reschedule the payments and still they can not process them. Now my credit is showing negative impact due to their failure to process payments correctly. I need my credit score back up, I have worked very hard to bring it back up for them to bring it down by their mistakes. Thank you.
Consumer complaint received 2022-11-16
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. (MO)

I am submitting this CFPB complaint as a response to the Credit Bureaus current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Now that it is closed and the amount is nil, this item is reportedly 30 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. If there are any legal updates needed, remove from my credit report.
Consumer complaint received 2021-12-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (SC)

I granted the right to extend credit today, XX/XX/2021 to XXXX OF XXXX! XXXX of XXXX financial and XXXX XXXX XXXX both received payment off of my transaction! I continuously told the representative repeatedly that I was completing a consumer credit transaction and that my signature and social security card is sufficient enough to secure the car! Federal law states The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit pursuant 15 usc 1602 ( l ). I told the representative I was giving an oral consumer report and assuming a vital role over my life. 15 usc 1681 ( a ) ( 3 ). I am the consumer, natural person and original creditor. I am not the fictional entity. 15 usc 1602 ( f ) Credit is my XXXX given right granted, not a privilege and no organization can tell me what I am worthy of! They used my credit card ( ssc ) and placed an hard inquiry on a consumer report, but denied me. Its aggravated identity theft! 18 usc 1028a I am well aware of the process of a consumer credit transaction & the banks are borrowers, I am a lender! A Security Exchange was supposed to take place, but it did not! They took my security and gave me nothing for it!
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a credit card with XXXX XXXX XXXX XXXX. I was living in the XXXX in XXXX and XXXX for XXXX XXXX  so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX for XXXX XXXX. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

Good Morning XXXX XXXX XXXX  Credit Card ... ... how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Hi XXXX  XXXX ; National Recovery Agency ; I'm really sad, confused and stressed, and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.