davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (CO)

Back on XX/XX/2022 Huntington Bank had closed my 2 accounts I had with them. In 1 of the accounts I had a positive balance of {$1400.00}. I have not received my {$1400.00} check that they have said numerous times they have sent out. On one of the occasions that I have talked to them they told me that they had did a stop payment on the check and said the reason was that I didn't want it. I NEVER once said that I didn't want my money. I am now getting evicted cause I can't pay my rent because of Huntington Bank not sending me the {$1400.00} I still had in my account.
Consumer complaint received 2022-12-29
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. (CA)

I have contacted the company in regards to the unauthorized inquiries. 
I have filed a police report and submitted a dispute with no results I would like these inquiries removed immediately because they are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Credit card applications were made using my name and social security number as well as the address. A total of 3 credit cards were opened ( 1 ) Sprit Airlines on XXXX XX/XX/2022 ( 2 ) XXXX XXXX on XXXX XXXX ( 3 ) XXXX XXXX on XXXX XX/XX/2022. All of these cards were issued through Bank Of America. 

On XXXX XX/XX/2022, I contacted Bank of America 's fraud department and reported these fraudulent activities and these cards have been closed. 

By reporting that our identify have been stolen, we want ensure that no further fraudulent activities take place using our personal information. 

Thank you for taking immediate actions.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (TX)

I am writing to follow up on our recent communication regarding unauthorized accounts on my consumer report. These accounts are linked to identity theft and were included without my written consent or wet signature. I formally request the immediate blocking and removal of these fraudulent entries from my report. 

The presence of these inaccurate accounts has caused me considerable emotional and financial hardship, misrepresenting my true credit history and obligations. These fraudulent items have impeded my ability to achieve critical financial milestones, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2022-06-21
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2023-03-21
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. (PA)

After doing some extensive research on my rights as a consumer, it is to my understanding that you are in violation of the FAIR CREDIT REPORTING ACT on both these accounts. You have violated my rights!

15 U.S.C 1681 section 602 A. States that I have the right to Privacy. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting Agency can not furnish an account without my written instructions. 15 U.S.C 1666B :
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I am demanding this account be updated asap to PAID AS AGREED NEVER LATE ( PAANL ).
Consumer complaint received 2022-06-05
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. (OH)

The 3 reporting agencys have made decisions in less than 5 days from recieveing disputes asking for removal from my reports until further investagtion r complete and meets the standards of the law .they received my disputes on the XXXX of XXXX and made desisions two days ago some company 's they don't even list or have contact numbers for. please help me I am XXXX yrs old and I'm scared my info on the XXXX  XXXX  please make the seal my info tight and remove anything that not valid. I have downloaded just a few of the letters my lawyer sent to them with dates on the letters. I have also downloaded proof of all the injuries that jusXXXX XXXX has let access my files. While frozen
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In regards to ACCOUNT # XXXX : This auto loan was paid off on time every month from XXXX XXXX-present. 
As of XXXX XXXX the account was current, but capital one decided to charge off the account with no late payments starting XX/XX/XXXX. No 30 60 or 90 day late yet a charge off is being reported. Capital one stopped generating statements in XX/XX/XXXX and never sent anything in the mail saying I was past due, The car was eventually totaled and my insurance company paid off the loan balance less {$1000.00} deductible.During this process I continued to make the monthly payments. As of XXXX, with Covid, I was laid off from my job. I called capital one who agreed to take a monthly payment of {$27.00} to satisfy the remaining {$1000.00} deductible payment. This payment, as agreed, has been taken out of my bank automatically. They have been reporting late payments every month since XX/XX/XXXX - present. As of today the deductible payment is paid off in full but they are refusing to validate/ explain to me the charge off. No where on my account on their website does it show the account being charged off yet they are reporting a charge off to all the credit bureaus. I have reached out my mail with no response and my phone where they hung up on me.
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (KY)

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. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 2022-05-15
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)

Closed accounts that I have had are still reporting hard inquires on my credit report.

Closed accounts that I have had and are paid are still reporting hard inquires on my credit report.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (FL)

Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - Global Lending service ( XX/XX/2022 ) - XXXX XXXX XXXX  ( XX/XX/2022 ) - XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.
Consumer complaint received 2022-10-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MO)

I called Mr. Cooper Loans on XX/XX/XXXX to get a loan modification and was told I had 30 days to fill out the paperwork unfortunately I didnt have the information needed to fill it out and work got in the way. I called them again XX/XX/XXXX and they told me my house was in foreclosure since XX/XX/XXXX and this was the first I heard about it. They told me my only option was to pay the total amount past due by XX/XX/XXXX and to call back Monday or Tuesday for an amount. I called back and they informed me that I must pay {$10000.00} to reinstate my loan by XX/XX/XXXX because my house would be auctioned off that day. I had received no notice from the VA or Mr. Cooper loans and have tried calling the VA and only gotten voicemail. I have a letter from Mr.Cooper Loans in my possession that doesnt state anything about a foreclosure and says a reinstatement amount due of {$9400.00} by XX/XX/XXXX with {$7400.00} as the past due amount and the rest additional fees they added. My Mortgage was originally through XXXX before Mr.Cooper Loans took over on XX/XX/XXXX. My payment amount with XXXX was {$690.00} dollars a month but Mr.Cooper increased the payments to {$750.00} a month. The first actually notice I received in writing about a foreclosure was from the VA on XX/XX/2022.
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (GA)

sale of property XXXX XX/XX/2022 - wire transferred on XXXX XX/XX/2022 XXXX XXXX wire confirmation confirmation details received XXXX  no # XXXX of {$330.00} XXXX USD to my citibank checking account : Citibank confirmed receipt of funds on XXXX XX/XX/2022 XXXX XXXX following various enquiries and calls incl. Escalations to upper management, funds are under review by Citibank compliance with no further clarification or requirements pending verification. More than 20 calls has been made to Citibank with no progress nor proactive resolution actions or results- zero communication from Citibank regarding status or requirements. 
XXXX XXXX, Florida has not received any request or investigation trace for resolution to release the funds Title company has not received any request for resolution or verification
Consumer complaint received 2022-06-21
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. (OH)

Credit Breau did not complete investigation or mail results of where they obtained alleged bankruptcy information at. XXXX XXXX reports that no such information was released to the credit bureaus as well as the courts. I am challenging the validity of this information as inaccurate reporting information.
Consumer complaint received 2022-08-22
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. (OH)

On XX/XX/2022 I mailed you a letter disputing Bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following XXXX per XXXX. records, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( Experian ). Accordingly, as per the FCRA, you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the XXXX period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( Experian ) ; therefore your response was due on or by XXXX 30 days+. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/2022 ( Experian ), XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ) claiming you verified the information as accurate. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation of my dispute because you verified the information as accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed information. Be advised, that this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. Within 10 days delete the disputed information as requested. XXXX XXXX has removed this item from my report due to unverifiable and I demand it be removed from my credit file permanently. 

Remove any bankruptcy from my credit report immediately and any accounts that are associated or listed as including : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX Account # : XXXX Account Name : Bankruptcy Account # XXXX Account Name : Bankruptcy Account # XXXX
Consumer complaint received 2022-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

I was alerted a couple days ago by both my XXXX credit card application, as well as XXXX financial application that a new account had been opened on my behalf. It looks like someone had applied for a credit card to the Kohls XXXX department stores. I have not applied for a credit card since I had received my XXXX credit card. I have attached both the email from XXXX as well as screenshots from the XXXX application for for the reference.
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (NJ)

Apex XXXX out of XXXX Pa continues too send me the same debt collection bill with the same amount every time. Ive already paid this and not knowing Ive paid it more than once already. As soon as I got on the phone with someone and explained the situation I was hung up on. Attempted to call back 8 more times and they would pick up and hang up. After all of this happened I XXXX Apex XXXX and the reviews Ive read were exactly what I am dealing with! They are a fraud and I need to get to the bottom of this as soon as possible.
Consumer complaint received 2022-12-29
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. (SC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NH)

Fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B. I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within XXXX ( 4 ) business days, as mandated by law.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I expect these accounts to be blocked and removed within 4 days of receipt, as mandated by law.

Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I have attached the FTC Identity Theft Affidavit ( XXXX XXXXXXXX Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I had an account with Wells Fargo from XX/XX/XXXX to XX/XX/XXXX. During that time I noticed many banking errors and discrepancies with my balance. Another account appearing and disappearing from my profile, and amounts being rearranged that cleared more than a month ago to cause me to pay multiple overdraft fees.
Consumer complaint received 2023-05-12
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. (NY)

Please review my identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.