davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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. (GA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I requested a dispute and investigation via certified mail regarding items on my credit report file that were being reported illegally. On XX/XX/2022 Experian sent a letter stating that an investigation had been completed and the debt had been validated, however Experian failed to forward to me all the relevant information provided to them for their investigation as required by FCRA 611 ( a ) ( 7 ). On XX/XX/2022 I sent another letter via certified mail attempting to validate the debt with Experian, they have failed to respond validating the debt or by deleting the negative items since. The account being disputed are listed as follows : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NY)

In XX/XX/XXXX, I accidentally, thru my personal bank, XXXX website, submitted XXXX mortgage payments in the amount of {$2500.00} each payment toward my XXXX payment to Home Point Financial. These payments were submitted on XX/XX/XXXX and XX/XX/XXXX. 
Upon realizing this error, I contacted Home Point Financial. We both agreed that there was an overpayment, and agreed on a refund. We agreed that out of the {$2500.00} that {$1300.00} would go toward an escrow shortage, and the remaining {$1100.00} would be put toward my XX/XX/XXXX payment. I have a letter from XXXX XXXX which shows this agreement. 
On XX/XX/XXXX, I submitted a payment of {$1400.00} to go along with the {$1100.00} that XXXX XXXX agreed to move toward my XXXX payment, which would have kept me up to date on my monthly payments. 
As of XXXX on XX/XX/XXXX XXXX XXXX has not moved the funds as they agreed to do. They are considering the {$11000.00} a partial payment and are not applying it to my XXXX XXXX payment. They have not yet moved my extra payment out of Principal toward my escrow shortage or my XXXX payment as they had offered and agreed to do. This is now causing a showing of a delinquency on my part. 
I am in the process of trying to refinance my mortgage through a private lender, and now my most recent mortgage statement is showing a late payment. 
I have reached out to XXXX XXXX a total of XXXX times to resolve this issue and it is still not complete. 
at XXXX on XX/XX/XXXX I made a payment in the amount of {$2600.00} from my checking account to XXXX XXXX just to not end up having a 30 day late payment against myself. I was given a confirmation number of XXXX from the representative over the phone. I asked for an email confirmation and she was told she was unable to provide that to me. 
XXXX XXXX as of this email has an extra payment of {$2500.00} plus a partial payment of {$1400.00}, along with the payment I made tonight in the amount of {$2600.00}. 
It has been over 30 days and XXXX XXXX has made no attempt to resolve this in a fair amount of time. 
They have had actually more money than needed and yet still causing a delinquency to show on my end!
Consumer complaint received 2021-02-18
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: Credit Central Holdings, LLC (VA)

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed, and I have several accounts that have inaccurate information and I will be filing a police report to remove the information thats unknown its so much information thats inaccurate XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  SEVERAL ACCOUNTS showing inaccurate and incomplete information, I will be filing a police report.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

WAITIING FOR 8 WEEKS NOW -- -THIS ISSUE HAS NOT BEEN RESOVLED! 

CITIZENS BANK STILL HAS MY {$5000.00} & REFUSES TO RETURN OR ALLOW ME ACCESS TO IT! THIS IS THEFT -- PLAIN & SIMPLE! 

I received a promotional advertisement mailed specifically to me from Citizens bank. Despite following the instructions and funding a checking and savings account, the accounts were closed. The funds for the checking account ( {$50.00} ) were reversed and returned to me. The funds for the savings account ( {$5000.00} ) were NEVER RETURNED. I have contacted Citizens multiple times via chat, phone, and in person without resolution and am told, " We have no record of your account, so were are unable to help you ''. We I called to speak to a supervisor, Iwas on hold for over 1 hour, connected and then was hung up on. For proof, attaching : -photo of direct mail advertising promotional offer -email from Citizens that {$5000.00} was received -statement from my sending bank {$5000.00} was debited -screen shot of 1 hour call to Citizens.

Attaching documents to prove my complaint.
Consumer complaint received 2020-08-28
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: JPMORGAN CHASE & CO. (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently ( See attached Police Report ). I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Attached is my FTC Identity theft Report for an inquiry I did not authorize, nor did I authorize anyone from the company to use my personal information nor did they have permissible purpose 15 U.S.C. 1681b.
Consumer complaint received 2022-07-17
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. (CA)

XXXX  XXXX XXXX ACCOUNT # XXXX BALANCE DUE : {$2000.00} DATE OPENED : XX/XX/2015 XXXX. Compliance procedures [ 15 U.S.C. 1681e ( B ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I received my dispute results back from Experian and its still showing inaccurate information for XXXX XXXX XXXX XXXX. Experian is saying that they have correct validated information and that it MEETS REQUIREMENT OF THE FAIR CREDIT REPORTING ACT.. I have original documents with correct information where are u getting your data from.. youve been in complete violations of Multiple laws for over 7years Account number incorrect. Open date incorrect. Balance is incorrect.. why did the balance change after 7years also reporting a charge off every month for 7years.. delete this account its not accurate 1.DATE OPENED INCORRECT 2. RECENT BALANCE INCORRECT 3. ACCOUNT NUMBER INCORRECT 4. CREDIT AMOUNT INCORRECT 5. REPORTING A COLLECTION EVERY MONTH FOR 7YEARS 6. DOES NOT MEET REQUIREMENT OF THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2021-07-15
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$27000.00} Account status - Open Date opened - XXXX XXXX XXXXXXXX Account type - Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXXXXXX Account Info Account number - XXXX Balance - {$20000.00} Account status - Open Date opened - XXXX XXXX, XXXX Account type -Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXX  Account Info Account number - XXXX Balance - {$24000.00} Account status - Open Date opened - XXXX XXXX XXXXXXXX Account type -Auto Loan This is a fraudulently opened account XXXX Account Info Account number - XXXX Balance - {$8400.00} Account status - closed Date opened - XX/XX/XXXX Account type - charge This is a fraudulently opened account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$680.00} Account status - closed Date opened - XX/XX/XXXX Account type - collection
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union (IL)

On XX/XX/22, I received a letter from First Tech Federal Credit Union that states I have a savings account that was opened on XX/XX/22. I see there was {$10.00} on the 25th transferred in and then back out, leaving a zero balance. 

Upon calling XXXX, I spoke with customer service XXXX XXXX. She requested the last 4 of my social security number which I confirmed and then text me a message with a numeric code to prove I was the savings account holder. 

I conformed the text message to discover via conversation that a previous company I had owned years ago had opened a savings account in my name. I had XXXX flag my account to avoid anyone opening a loan. 

She sent me a affidavit and asked for it to be completed and sent back. It asked for a copy of my driver 's license, social security number and additional personal detail. 

I did not fill it out or turn it in to her because I could not prove I was calling nor speaking to a legitimate company. 

I filed a police report and called XXXX to flag my credit with XXXX, XXXX and XXXX. 

I want this savings account closed without having to provide them an affadavit and relinquish more private information about myself. 

Let me know how you can help me to resolve this issue. 

Thanks!
Consumer complaint received 2023-01-19
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. (IL)

No consent is identity theft! You have a legal and federal obligation to protect my right to privacy and to not furnish information to my consumer report without written consent from me as the consumer. Congress outlines the permissible purposes that allows you to furnish information to my consumer report and none of those cases apply now. Youve violated my rights and broken the law. My confidence in your company to abide by the law is nonexistent. If we can not resolve this matter amicably, then I will be forced to pursue other avenues that are available to me. XXXX included. I know and you know that youre breaking the law and Congress allows me to seek actual damages for being violated.
Consumer complaint received 2022-09-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

Wheels Financial Group, LLC DBA Loan Mart as a servicer and XXXX XXXX XXXX as a lender are not registered in the state of Florida with Florida Office of Financial Regulation. 

XX/XX/XXXX Signed Installment Loan and Security Agreement for {$2400.00} ; Loan Given {$2300.00} APR 178.51 % Florida law allows a title lender to charge you interest on your loan of up of 30 % per year for the first {$2000.00} you borrow ; 24 % a year for any additional money you borrow between {$2000.00} and {$3000.00} ; and 18 % a year on any money you borrow over {$3000.00}. 
XX/XX/XXXX XXXX XXXX Payment of {$1000.00} and {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Payment of {$170.00} XX/XX/XXXX Debit Card Payment of {$200.00} XX/XX/XXXX Debit Card Payment of {$760.00} XX/XX/XXXX Loan Mart Repossessed XXXX XXXX XXXX XX/XX/XXXX Pay Off Balance {$4500.00} XX/XX/XXXX I received a email of current balance {$3800.00} and settlement of {$500.00} XX/XX/XXXX Florida Office of Financial Regulations confirmed Loan Mart as a servicer and XXXX XXXX XXXX  are not registered in the state of Florida as a Financial Institution nor a Title Loan Company Florida Statute XXXX License required; license fees- ( 1 ) A person may not act as a title loan lender or own or operate a title loan office unless such person has an active title loan lender license issued by the office under this act. A title loan lender may not own or operate more than one title loan office unless the lender obtains a separate title loan lender license for each title loan office. 

( 7 ) Each licensee shall designate and maintain a registered agent in this state for service of process. 

Florida Statute 537.013 Prohibited acts.- ( 1 ) A title loan lender, or any agent or employee of a title loan lender, shall not : ( d ) Make any agreement requiring or allowing for the personal liability of a borrower or the waiver of any of the provisions of this act. 
( f ) Fail to exercise reasonable care, as defined by commission rule, in the safekeeping of loan property or of titled personal property repossessed pursuant to this act. 
( h ) Sell or otherwise charge for any type of insurance in connection with a title loan agreement. 
( i ) Charge or receive any finance charge, interest, or fees which are not authorized pursuant to this act. 
( j ) Act as a title loan lender without an active license issued under this act.
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

On XX/XX/XXXX Borrower entered into an addendum agreement with Seller to extend the closing date of the Subject Property to XX/XX/XXXX per the promise of funding by Amerisave Mortgage. 

Funding to be accomplished by Amerisave Mortgage per " loan origination agent '' and Loan Origination Manager '' by or before XX/XX/XXXX. 

Buyer allows the " Earnest Money '' ( {$5000.00} ) to be transferred " non-fundable '' ( XX/XX/XXXX ) to Seller for credit to the purchase price at closing justifiably relying on the verbal promises of Amerisave personnel to the Buyer Realtor & Buyer. 

On or about the XXXX day of XXXX seller issues Buyer a " Cure Notice '' stating that Buyer must close or Seller will keep all earnest money and cancel the purchase agreement.

Buyer and Buyer Realtor notify ( telephone & email ) Amerisave ( 4x 's ) of the impending financial damages to the Buyer from a failed funding by Amerisave. The Seller cure notice expires ( XX/XX/XXXX, XXXX, PT ) without any " urgency or financial commitment '' by Amerisave. 

Numerous calls were made again on XX/XX/XXXX to save the purchase agreement and prevent the earnest money ( {$5000.00} ) of the Buyer from being irretrievable. 

The calls of XX/XX/XXXX were finally responded to by the Loan Origination Manager at XXXX XXXX PT ( XX/XX/XXXX ) stating that he had been " out of town '' for the last 4 days or so and will get on the " funding progress '' as soon as possible. 

The challenge being is the the Loan Processor was scheduled out of office from XX/XX/XXXX to XX/XX/XXXX and made all " loan issues '' forward to the Loan Origination Manager '' who was also out of office at the same time. Notwithstanding, both agents knew or should have known about the closing dates of the " purchase agreement '' under their control. The Buyer and the Buyer 's Realtor notified Amerisave several times about the impending financial loss to the Buyer. 

Amerisave finally funded the purchase agreement on XX/XX/XXXX, 5 days after the " cure notice '' took effect and 2 days after the Seller had cancelled the agreement. 

the Seller exercised their option to cancel the purchase agreement and to get more money from the current market. 

the Buyer lost {$5500.00} due to Amerisave 's lack of professional due diligence and lack of promised performance. Amerisave 's failed performance forced the Buyer to spend an additional {$25000.00} in funding costs and 5 to 10 days of extended stay costs to find a replacement property.
Consumer complaint received 2022-07-17
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. (FL)

In accordance with the Fair Credit Reporting act the following companies has violated my rights : XXXX XXXX XXXX ( Original Creditor 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 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 2022-07-17
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number ( Transunion XXXX XXXX ( XXXX XXXX ) XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX Acoount number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX have 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 1, states a consumer reporting agency can not furnish an account without my written instructions.