davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
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 (CA)

A loan was fraudulently made in my name by Navy Federal Credit Union on XX/XX/2019 with a current balance of {$5300.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-09-22
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: National Credit Adjusters, LLC (TX)

Debt was initially created in XXXX for {$1000.00} as a collection by XXXX XXXX. I did not have contact with the debt collector. The original debt was removed in XXXX and then sold and new debt collection agency re-aged the account to show as if it was a newly created delinquency. The " new '' collection for the original debt of {$1000.00} was reported to my credit as opened in XX/XX/XXXX by National Credit Adjusters. I have not had contact with this collection agency.
Consumer complaint received 2024-11-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (OK)

XX/XX/XXXX, my XXXX journey was repossessed due to late payment. Wells fargo was the company I used thru the dealership, XXXX of XXXX, ok. My husband has just passed away and a week later my vehicle was repossessed. Both parties pretty much said they were going to sell my vehicle in which they did. I never received a call back from either companies. Ive been with Wells Fargo since XXXX, and never had a issue prior. I've been without a vehicle since then and now I'm handicapped in a wheelchair. I desperately am in need of a vehicle for my family. It's been tough and hard since last year. I missed many doctor appointments as well as my grandchildren. I'm at your mercy do fix my problem I had dealt with since XX/XX/XXXX. Feel free to contact me via email, XXXX or phone, XXXX. I appreciate any help and I thank you for being a new step to a brighter future for my family and I.
Consumer complaint received 2021-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

i transfer my money using my edd debit card to my chase bank but for some suspicious activity on my chase bank it was closed and then i called them and ask what will happen to the money that i transfer through my chase bank, they said it will go back on my account but until it hasn't posted on my edd debit card, i did the transfer last thursday.
Consumer complaint received 2024-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BMO Bank, N.A. (CA)

I am writing to formally file a complaint against BMO Mortgage regarding their handling of my home loan application. Despite my application being described by their bankers as " strong, '' BMO delayed the loan closing and funding, leading to unwarranted charges of {$600.00} per day for five days, totaling {$3000.00}. 

I was in full communication with BMO throughout the process and promptly provided all required documentation in a single submission. However, the delays were caused by their underwriters ' inefficiencies and errors, including mixing my XXXX  and XXXX  business filings. This lack of diligence and attention to detail was unacceptable. 

The delays appeared deliberate and financially exploitative. Furthermore, the lack of urgency and apathy displayed by BMO caused me significant emotional distress. I had to dedicate excessive time and effort to push this process forward, only to face mounting frustration at their mishandling of my case. 

As a resolution, I am requesting the following : The return of the {$3000.00} in unjustified charges. 
Compensation for the emotional stress caused by BMO 's negligence. 
Reimbursement for my time and effort in addressing and pursuing this matter, including filing this complaint. 
I urge your office to investigate these unethical practices and take appropriate punitive action against BMO Mortgage. Customers should not have to endure financial exploitation or such a disregard for professionalism during critical transactions. 

Thank you for your attention to this matter. Please let me know if additional details or documentation are required. 

Sincerely,
Consumer complaint received 2023-02-13
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX, XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Consumer complaint received 2023-01-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

On XXXX XXXXXXXX XXXX, I was approved for a loan by Citizens XXXX to cover the cost of items I personally purchased from a merchant by the name of XXXX XXXX. Days later, I received my order from XXXX XXXX, but I noticed that some of the items were missing so, therefore, I decided to contact the merchant, XXXX XXXX to receive credit or get the items missing to be shipped to me again. XXXX XXXX, never issued a refund to my account, and the missing items were never delivered to my address. 

On XXXX XXXX, XXXX, I received a notification that my account with Citizens Pay was closed due to fraud and identity theft. I immediately contacted Citizens Pay, and a customer representative by the name of XXXX informed me that XXXX XXXX, had reported my account as fraudulent and he informed me that I should dispute this issue with them. I spend close to 45 minutes on the phone with XXXX XXXX and they informed me that Citizens XXXX had flagged my account for fraud and identity theft and that I should have contacted Citizens XXXX and not XXXX XXXX. 

After another XXXX minutes on the phone with the same representative from Citizens XXXX, XXXX, then informed me that I had to send an email to XXXX in order to get this matter investigated. I wish he would have informed me of this and not been so dismissive when assisting clients. Nonetheless, I inquired into the reason why my account was flagged for fraud or identity theft if I did not report it as so. A manager by the name of XXXX from Citizens XXXX, also instructed me that I should email them, and she did not know why my account was flagged for fraud. 

I never reported fraud on my account, nor did I file an identity theft on my account with Citizens XXXX. Thus, their erroneous information caused the credit line I had with Citizens XXXX to close and my credit score to drop as a result of their erroneous information. 

Please be aware that I did purchase the items from XXXX XXXX, my only dispute with them was that I was missing items from my original order and I was never given any credit for those missing items. In addition, Citizens XXXX incorrectly coded my account as fraud and their negligence caused my credit score to drop and for my credit report to contain false information which is a violation of the FCRA. 

I attempted in good faith to resolve this matter with both Citizens XXXX and XXXX XXXX, but both companies just kept bouncing my call from one representative to the next. 
I want Citizens XXXX, to reimburse me for the missing items I did not receive from XXXX XXXX and to correctly report to the credit bureaus that my account should have been in good standing and not have been closed since there was no fraud or identity theft incurred with my credit file or my account with Citizens XXXX.
Consumer complaint received 2022-06-14
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. (GA)

I was recently contacted by an occupant of a address I used to receive mail at, when I was XXXX. They informed me that mail has been coming to that address for me for a while now. I was unaware because I no longer use that mailing address. So I contacted the USPS about the situation, and was advised to have my mail forwarded to me directly. Once I did that, I started receiving bills and debt notices that I didn't recognize. So I requested my credit report bc I haven't used credit in years. When I got my report, I noticed accts that I did not recognize or authorize. 

My car was broken into back in 2017, and myself and my childens ' personal info was compromised, which I have the police report from the incident, and will include as an attachment to this report. I am a victim of identity theft, and I'm now experiencing financial injury, due to these fraudulent accts reporting on my credit profile. In addition to my personal information being stolen, I was also notified by several companies of my information being exposed in data breaches by XXXX, XXXX XXXX, and XXXX, which I feel could possibly be another contribution to my inaccurate credit reporting. 

I have previously filed a complaint report with the CFPB and the XXXX, in reference to getting this matter resolved. I have contacted the credit agencies, and the companies reporting the fraud, directly, to no avail. 

This is my third attempt to have these inaccurate items removed from my credit report. This time I will be sending official documentation of correspondence, by way of certified mail, to the companies and credit agencies that are responsible for reporting these fraudulent and inaccurate marks on my credit and public profiles. I will include a copy of this report, my FTC report, Police report and affidavit in my correspondence mail. It is a violation of my consumer rights, for companies to furnish my personal data, publicly, unless I give them written permission first. 

In addition to participating in Fraud and Identity theft by reporting inaccurate information obtained by dishonest practices, these agencies are double reporting several of the same accts with different companies as debt on my credit report, giving the appearance of me being financially irresponsible, personally and professionally. 

I have been denied and turned down several times for business opportunities, contracts, and proper capital funding as a result, of these fraudulent reports.
Consumer complaint received 2022-12-14
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. (AZ)

I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with XXXX XXXX. 

I Sent letter informing them the line of credit I have with there company, which is characterized as utilization on my consumer reports IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
XXXX XXXX HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
I advised XXXX XXXX they have 10 calendar days to update my utilization to 5 % or below and or delete all utilization from the consumer reports concerning my account. 
Failure to respond satisfactorily with deletion or update of Utilization to 5 %, will result in legal actions being taken against there company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character 2.Negligent Non Compliance 3.Civil Liability XXXX Anguish 5.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2021-12-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX  i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED IN THIS COMPLAINT WAS OPEN UP FRAUDULENTLY THESE ACCOUNTS DO NO BELONG TO ME SOMEONE USE MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-02-04
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. (MI)

I checked my credit history with Transunion and noticed it have inquiries that wasnt authorized by me. I called customer service and they would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (MA)

I have been attempting to file disputes of my credit report to Citi Bank. All of my credit reports, XXXX, XXXX, and XXXX  do not have the correct monthly balance. They stopped reporting to the credit bureaus after my XXXX statement. They have attempted to start reporting the XXXX balance but it does not match my credit card statement. I have file disputes with all of the credit bureaus and have had daily calls into Citi bank to try and get this fixed. II have sent in several faxes to their dispute department and they have come back with " inssufient information or No issue found ''. For the Months of XXXX and XXXX, all my reports are showing " no data available '' Citi bank has not been helping me, and seems like they think there is nothing wrong. I have about 15 different credit cards and this has never happened before. It should be a simple fix since they have copies of my credit card statements, but they will not fix it correctly.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AL)

DILLARDSMASTERCARD/CBNA has committed Aggravated Identity Theft pursuant to 18 USC 1028 A. Dillard 's has transferred account # XXXX to CITI BANK a means of identification of me without lawful authority. An identification of me has been used without my permission that has damage my reputation and my mode of living. CITIBANK are reporting an fraudulent account that arose from IDENTITY THEFT to the XXXXedit Reporting Agencies which they did not verify as required by law on my consumer report. CITIBANK received Certified Mail Receipt of the Identity Theft Report on XX/XX/year> and XXXX received Certified Mail Receipt the Identity Theft Report on XX/XX/year>.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX partial account numbers : XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I  have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.