davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MA)

In my agreement of the XXXX  card with the higher balance. It was agreed by multi people, multi org levels right up to the XXXX XXXX . When paid as agreed. Any reporting would either be updated to no data or blank. Or any negative remarks would be updated. Between mid XXXX XX/XX/XXXX. The phone calls have multiple recordings of this. Within email/ messages it is also committed too. I was told bluntly to my face when the blue cash was settled officially I called and ensured on my update its the last piece of my ruined life and finances for no reason at all, thanks for that. And was told within 30 days the settlement and reporting would be finished. Months and months dispute after dispute still waitin so I can get my life on track. Amex havent you done enough damage. You always got paid in full so no hard ever done to you. Biz, house, any options gone still because of the 3 incorrect but regardless agreed to be taken care of payments. Plz update
Consumer complaint received 2020-08-25
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand why? Please help me out. 


-US DEPT ED XXXX XXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX -DP OF EDUC XXXX : XXXX
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX and XXXX both removed a collections account from 2008, Experian has refused to do so. It is 7 years past the statute of limitations, and this single item is preventing me from getting approval for even credit rebuilder loans. Experian has not been helpful, and has not removed this mark. Adding complication to this is the inability to dispute online, forcing me to call during work, which is interfering with my duties.
Consumer complaint received 2022-09-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy federal has damaged my Credit with late payments on all the credit reporting agencies to scare me into paying a debt I do not owe. I sent XXXX XXXX XXXX DBA navy federal my rescission back in XXXX of 2021 rescinded my signature from the contract and navy federal continues their deceptive business practices to collect a debt not owed. Pursuant to 12 cfr 226.15 I have a right to rescind any contract but I was never informed I had this right so I enforced it as soon as I read the law. Navy Federal never loaned me anything of value 12 usc 1431 says that banks are the borrowers. I the consumer extended navy federal credit and they are coercing me to re-pay an extension of credit by jeopardizing my consumer credit reputation with other financial institutions is text book extortion. I also sent navy federal ( XXXX XXXX XXXX ) a cease and desist and navy federal has yet to comply with my demands in the cease and desist. This is a criminal violation of 15 usc 1611for willful and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. This is extortion and I want get my remedy immediately.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All three credit bureaus show a short credit history as a reason to report scores low. My credit history is over 20 years and not short by any means. All accounts are in good standing with no statutory late payments and no accounts past due. A 25 year credit history is not short and this is a misrepresentation of payment history and accounts on my credit. The only way I could have a longer history is to be XXXX XXXX XXXX and then have a 45 year history of credit payments.
Consumer complaint received 2021-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

5th 3rd bank has committed fraud by back dating flood insurance a full year and attempting to charge me the full year even though the policy was only in affect from XXXX. I was notified that the flood insurance i had in place was not up to there code on XX/XX/XXXX and had 45 days to get the correct one. Time passed me by and I didn't give the correct Ins until XX/XX/XXXX so they force placed flood ins on XX/XX/XXXX for {$3100.00} which is nearly 10 times what I pay for flood ins for the year ( {$340.00} ). I have been told on multiple occasions that the full refund will come to me and that it is just processing and it will take 7-10 bus. days. It has been a month and only {$220.00} has comeback to me ( That is for the days I didn't use the forced placed flood ins for the year the document from the ins company says ) It said I used 339 days of the Ins even though it was in affect for only 7 days of XXXX. I have brought it up the chain to the resolution supervisor and was told by her that I would be getting the full refund back and have provided two separate documentation that they have requested. I was called back by her and said no we are not returning you the full amount and they did nothing wrong. They won't answer why they didn't notify me in XX/XX/XXXX that the flood insurance I had was not up to there code instead waited almost 11 months into the year thus being able to charge as much as they could if I missed the deadline. Plus charging 10 times what I have for flood insurance is just a complete and utter predatory and pure money grab business process. That charge was {$1100.00} more then what I pay for for property Insurance!!! By doing what they did it increased my monthly mortgage payment by $ XXXX dollars making it very difficult for me to pay my monthly payment.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

XXXX XXXX : I have been on the phone for an hour. 
The agent put me on hold for 45 minutes and said they were calling XXXX than put me through to Molllie XXXX out of the XXXX office and transferred the call without telling me. XXXX who kept getting the wrong debit card information to deter me from getting why an envelope was delivered to my condo without an ID being shown or signature! 
I kept providing my my debit card and would not provide me information We are 18 days and Citi Bank officials was very well aware of XXXX XXXX branch manager of XXXX XXXX XXXX XXXX XXXX FL XXXX deliberate misconduct, knowingly never mailed my remaining money of over {$2000.00} that was to go toward my first mortgage payment with Citi no less who absolutely knew my home address. 
I called immediately. I was ignored, hung up on, created more conflict and confusion. 
I received a wrong tracking which I tried to get so many times. I was provided the wrong one time and time again. I am currently on the phone with Citi bank. Tracking number XXXX showing which will be attached at front desk!!!! I do not have a front desk at my condo building. Not a doorman. Just lock boxes to put mail. This is unbelievable! 

The banks behavior and the many officials Ive spoken too all said. How is Citi allowed to commit fraud and abuse there power. 

Other officials are involved and also working on my behalf to file reports with FTC and FBI. 
How can a bank not allowed me to take my own money that was free and clear out of the atm! Stating sorry over your limit! False. XXXX XXXX kept putting fraud codes on my account and reported this immediately to XXXX XXXX who did not take one action. XXXX XXXX was the loan officer at Citi and can verify I was unable to take my {$10000.00} XXXX money because XXXX XXXX put fraud codes and maliciously and knowingly knew his actions to intentional harm me.. 

I hold a credit card with Citi. I was told since Citi is not assisting in my mortgage and credit card due to my loss of income to file a XXXX and XXXX as a result of there intentional demise of my good credit. This bank is dangerous and abuse there power at alarming levels. This is crazy!!!!! 
Deliberate fraud.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mandarich Law Group, LLP (CA)

I am very discourage by a collector taking money from my family without first validating the debt, knowing how illegal it is trespassing private information with my employer now putting my family at risk without now having my check cutdown drastically taking also away from my child support for my other son.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc. 

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a js4 Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. 1099-Cs never processed properly as well. 

Nel net shouldve never transferred or sold the debt to XXXX. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, and XXXX at XXXX on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my Equifax credit report and XXXX  Credit report : " XXXX XXXX XXXX  '' Open Date XX/XX/XXXX Amount {$300.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report, and my XXXX credit report due to my identity been stolen.
Consumer complaint received 2022-10-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (MI)

I truly believe Santander is trying to get over on me. im trying to fix my credit so I have pulled records to try to settle some debts and get things corrected so I may buy a home. Santander has sold my account to XXXX management but I have noticed some inconsistencies and inaccuracies on the information they have sent. Santander has sent me a " calculation of surplus or deficiency stating that my aggregate balance was {$20000.00} to my knowledge which I could be incorrect and aggregate balance means the amount in an account. Which that amount would have been what I owed which was {$18000.00}. The amount unpaid was {$9700.00} but they reported to the credit bureaus my account owed {$8000.00} after receiving the warranty refund. They sold the account to a debt buyer at XXXX as seen in their transaction history they provided to me. Reporting amount owe was XXXX XX/XX/XXXX the day the account was sold but sold it for XXXX. They need to explain why this is, where does this credit of XXXX comes from? Also in previous cfpb complaints santander stated that my account was charged off and car was sold on XX/XX/XXXX which is also untrue from the information they have sent me my car was sold XX/XX/XXXX and account closed and sold XX/XX/XXXX. I am so confused on which is the truth. I have spoken to XXXX XXXX at the company and she has given me no explanation on why any of this and she also confirmed the car was sold In XXXX contrary to the letters they sent to me.. I truly believe a mistake has been made that no one wants to own up to and that is fine but what is not fine is failing to correct your mistake and leaving this on my credit when the information you are sending is inconsistent and you sold my account with inaccurate information. I believe its extremely unfair and I am tired of going back and forth trying to explain or get an explanation with no results. but I will go to any lengths to get an explanation or results.
Consumer complaint received 2020-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

Good Evening, I have disputed the medical debt on my credit that has no contract and incorrect information and I have also contacted the company with written statement and the company listed on the debt and confirmed that the information is incorrect. I have requested the information be removed several times however Experian has not removed the debt or provided documentation verifying or validating it. I received notification today that the debt has bee nverified but I have not be provided any information as to how. Please investigated why the following accounts remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments I can provide the letters and certified ticket confirming the letters were received. 


Thanks XXXX XXXX
Consumer complaint received 2021-02-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I have had a VA mortgage with Wells Fargo Bank since XXXX. I meet all the conditions for the VA XXXX streamline refinance and filed a refi application on XX/XX/XXXX. I provided all the documentation requested from them immediately online and updated the documents. For months, they have dragged their feet and kept asking for the same documentation. I have had my rate lock extended over and over and it now expires on XX/XX/XXXX. My rate lock was extended numerous times. The law firm doing the closing has been trying to get them to give a date for closing but they can not or will not provide the date. I have given them what they asked for months ago. The representatives from Wells Fargo explain that the low interest rates have swamped them with refinances and therefore they are behind. This is 5 months plus now. On XX/XX/XXXX, I received a Loan Estimate having been told my loan passed final underwriting approval. There is no known date to close at this point and my rate lock expires on XX/XX/XXXX.
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account number 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 an account without my written instructions.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  AND TRANSUNION are both reporting publishing and disseminating false and misleading and damaging information about me. 
XXXX XXXX, ACCT. XXXX IS REPORTING ME AS A CO-SIGNOR FOR {$280000.00} ON A DEBT I OWE XXXX ON.XXXX XXXX XXXX committed fraud in the inducement to sign a contract.I was lied to and told that my signature and documents were for reference only.It is quite possible that I am on camera in the XXXX XXXX XXXX  office while this fraud was perpetrated upon me, The audio would verify my claim to FRAUD IN THE INDUCEMENT TO SIGN A CONTRACT perpetrated by XXXX XXXX
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have a few accounts that I found on my report that are inaccurate and fraudulent. I believe someone has accessed a account using my personal information. Please delete the following accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

There is a collections account on my credit report by Portfolio Recover XXXX ( Debt Buyer ). I do not recognize the account, there is no correlating account from XXXX on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied other than a useless bill showing a previous balance but no other information. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, complete history showing payments, charges, interest and fees to support the amount of debt you claim is owed, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed.

6. Please confirm the date the statute of limitations expired.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Please cease and desist all collection attempts and remove this erroneous information from my credit report.
Consumer complaint received 2021-03-23
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. (TN)

My mortgage company continues reporting a balance {$10000.00} greater than my loan. This has contributed to me being declined for credit accounts with other merchants. 
This was previously disputed with the credit bureaus and corrected in XX/XX/2020. I've attempted to dispute the error again but the credit bureaus will not reinvestigate since it was disputed and corrected already. 
My current balance upon viewing my mortgage summary from the providers web portal is {$270000.00} In addition to Fair Credit Reporting violation, the mortgage company will not respond to my inquiries in regards to exiting my forbearance plan.