davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
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: NAVY FEDERAL CREDIT UNION (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.Regardless of the multiple written requests, the NAVY FCU accounts are still reporting on my credit report in violation of Federal Law. They failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (TX)

2 fraudulent accounts were opened under my name at BB & T Bank in XXXX. 2021 ... I called them & told them that it was not me and to close the accounts...... i have been told on many occasions that they will do it ... ... 10 months later & still getting statements... ..2 months ago they opened a business account...... now they opened a savings account and that they will now be called TRUIST bank ... ... it is almost impossible to talk to a live person ... ... ... .this am i was on hold for 1.5 hours
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : 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 My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2021-02-18
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (NY)

Hello I am filing this complaint because the band Planet Home Lending that I was paying my monthly payment. I applied for and natural disaster forbearance because of the Covid pandemic. Unfortunetly the pandemic affected our house hold income because my wife lost her hair salon business because of the pandemic. We had no other choice but to apply for this help because income was affected. We eventually sold the home in XXXX of 2022 I informed Planet Home Lending of this. And they said ok no problem and not to worry. So we closed and Planet Home Lending was paid in full I even received a letter stating that. At no point in time did they say thye will report a late payment when they had no reason or right to do so. They did this after they received full payment without notifying us. And they knew that my spouse lost her business because of Covid. So this report of late payment has affected my score and my spouse score and now is making shopping for a new mortgage very difficult because the lower score we can only get bad interest rates. I have contacted the bank nuerous times and I just get the run around i had 2 supervisers tell me thye didnt report anything and then I have another superviser saying they did. Very rude and not caring at all. All I want is this late payment which shoulf not be there removed off my report and my spouse please. 
Thank you for your time XXXX XXXX
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (IL)

In the beginning of XX/XX/XXXX in my XXXX report I did find adverse account. 
The collection company name : Sequium Asset Solutions Inc., # XXXX ( SAS ), located at : XXXX XXXX XXXX, XXXX, GAXXXX, ph. XXXX Collection was placed XX/XX/XXXX, and balance is {$120.00} Original Creditor : XXXX XXXX. 
After my conversation with SAS I got information that the debt was opened under my name and SSN but with address in Texas : XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX I never ever lived in Texas and did not use any service from companies listed above. 
Regards, XXXX XXXX
Consumer complaint received 2022-06-30
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-06-30
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX XXXX is trying to collect money that I never owed them. I had a credit card with Comenity Bank-XXXX XXXX-original acct # ( XXXX XXXX -There # XXXXThis acct was charged off to a zero balance by Comenity BankXXXX XXXX XXXX XXXX I cant owe a balance that no longer exists to the company that extended me that credit. I should not have this debt on my credit report. I never had credit with this company and Comenity BankXXXX XXXX should be released from my report after no more than 7 years-This is like double jeopardy. Being held accountable for the same debt twice. Please get this removed, I dont even know who this management company is. I never owed them money/ I never borrowed money from this Management Company. 

Please get this company removed from my credit report. I dont owe them money, I never did! 

Thank you in advance for your immediate attention pertaining to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

Today, I explained to the debt collector that this was a fraudulent account setup using stolen personal info. I also explained that at the time this account was opened XXXX XXXX XXXX, I had been working in the XXXX for three years. I did not find out about this account until XX/XX/XXXX, through contact from a debt collector claiming to have bought the account in question.
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP (OH)

Keybank Card Fraud Service XXXX, XX/XX/2022 Received {$190.00} charge on my credit card transaction dated XX/XX/2022, I have 0 description of what this charge purchased and I did not authorize this. I did not authorize anyone to order anything using my credit card number. I stopped in the local Keybank branch, talk to branch manager and filed disputed transaction. Bank sent me a new credit card with new account number. KeyBank also credited me a disputed amount of {$190.00}. Fine. But after few days I was charged again XXXX on new XXXX XXXX  XXXX. 
Received mail from KeyBank with explanation bank says they found conflicting information and have reason to believe that the transaction in questions were in fact authorized. Consequently, the credit amount of {$190.00} to my account on XX/XX/XXXX has been reversed. I DID NOT AUTHORIZE ANYONE TO ORDER ANYTHING USING MY CREDIT CARD NUMBER. I Dont USE XXXX XXXX  XXXX in last 13 months .No activities on this account. That card we keep in our safety deposit box in our house. According to advice local bank branch manager, called the listed merchant phone number and just got strange recorded message, and guy from merchant company told me they can offer me a reward 50 % of amount {$190.00}. Search internet and found XXXX. This is a HAIR SUPLEMENT product they sell. 
For old men like me XXXX XXXX XXXX I dont need anything like that hair supplement for young girls we never received any package and never ordered it. 
Seriously this needs to stop because if someone is taking this money or its taking my hard earned money and Im tired of it. I did not authorize this charge and I dont even know that it this. Called again for credit card company fraud dept. and lady promised me reopen case and she suppose send me email with new complain form. Last few days I check my email box and nothing heard from them.

I have business with KeyBank almost 40 years, Im retired 4 years and looks Im easy target of scammers because my old age and broken language. Im afraid will be charged this month again.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (MO)

Approximately XX/XX/2021 I applied for auto financing with Dealer : XXXX XXXX XXXX 'XXXX XXXX XXXX, XXXX with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX XXXX 'S XXXX XXXX, XXXX sent the application to CHRYSLER CAPITALXXXX XXXX XXXX. On XXXX, XXXX 2021 CHRYSLER CAPITALXXXX XXXX XXXX. sent me an Adverse Action Letter Denying me Credit. To my understanding Credit is a " Right '' not a privilege. XXXX XXXX BANK, XXXX has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed an Identity Report and I have attached this document below. 
Also, I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (PA)

Several months ago, I complained to Wells Fargo bank ( online rep ) that I needed to stop the overdraft charges and asked what would be the best solution. I was told overdraft protection could be withdrawn, so that's what I did. But it did not stop the issue. I continued to get charged {$35.00} a pop. I again called customer service and was told that shutting off overdraft protection would not stop overdraft charges. In fact, nothing would. It was my responsibility to figure out where the charges were coming from and redirect those charges.I had no clue where to begin. I decided to close my account and, by doing so, notices from companies attempting and failing to put charges through would come to me directly, and I could then correct all of these issues directly with each company. I shut off my debit card at this time as well. Last week, I called customer service to request my account be closed. I was told there were pending charges and until these went through, I wouldn't be able to close the account. So I waited. During this wait period, I could not log into my account despite following all instructions. A customer service rep provided a temp password and I was able to get in. 
Also during this wait period, I should have received my social security check, but I can not verify this because once again, I can not access my account and today I again have overdraft charges. Today, I called customer service to get help logging in again. I tried at least 10 password combos with the rep holding on the phone. I was frustrated and getting angry. I told the rep this was ridiculous ( all of it - not just today ) and she said " Well I don't know what you expect me to do. If you can't reset your password, I can't help you. '' I told her " this isn't a me problem it's a you problem. '' To which she basically replied she could do nothing for me. Her tone was VERY rude. So I left work and went to my branch to try to get help in person. Lo and behold, they can only help me by appointment due to COVID. They had no open slots for today. Or for tomorrow. Or, in fact, for the next two weeks. I tried to explain the urgency of my circumstances, but they were unmoved. They directed me to their appointment app and I tried 5 other branches, all of whom were booked solid. Finally, I found a branch with an open time for XXXX XXXX  today. One of the employees said to me, " You'll find all banks are using appointments only now. '' To which I said, " Not true. I can walk into my XXXX XXXX anytime and talk to someone right away. '' Wells Fargo is a horrible bank with horrible customer service. I can't access my account, I can't close my account, I can't speak to anyone about it ... quite the mess. I will never do business with Wells Fargo again.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (TX)

My credit score with Equifax, drastically decreased ( over 100 points ) due to erroneous information on my credit report put on by equifax. Equifax has put the two following lines in my credit report that are negatively effecting my score ( below ). 
-You have too many delinquent or derogatory accounts -The total of your delinquent or derogatory account balances is too high I do not have any delinquent or derogatory accounts. I do not have any late payments either. I have disputed theses items twice with Equifax starting in XX/XX/2022. Each time they agree that I do not have any delinquent accounts promise to fix it in 30 days, but do not fix them or my credit report. 

I have attached the negative items written on my credit report from my login on the myequifax.com website, where I pull my report.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I applied for a mortgage refinance on XX/XX/2021. There was a fee of {$500.00} for the application. XXXX XXXX my loan originator said the process usually 30-45 days. My original disclosure was supposed to be a locked rate at 2.5 %, by the time they got all the documents they said the rates went up to 2.625 % and that I would have to pay more, but they offered to pay a concession. 

I finally got all my documents sent in and verified. I got a call from my loan originator XXXX temple on XX/XX/XXXX to say my loan was ready to go and a closing date for XX/XX/XXXX. I had to review my closing disclosure and it didn't have the concession on it they offered to pay. The closing costs on it included home owners insurance which I already sent them a copy I had already paid it full so it shouldn't have been included in the closing costs. The closing costs also included property tax which was also already paid my current mortgage insurance company, so that shouldn't have been part of the closing costs either. I tried calling about these, and also sent an email to both the loan originator and loan processor and got no response. I've tried calling multiple times and each time they've been unavailable. I've tried calling the customer service department to which they've told me that no one in management was available to talk and they would send an escalation email and I would hear back, I haven't heard back, it's been 25 days and I haven't heard anything back about my closing costs disclosure. My lock in rate expiration date is XX/XX/2021. It just seems like I'm being ignored.
Consumer complaint received 2023-05-18
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)

I submitted a complaint last XX/XX/2023 and the companies responded. Some got deleted but there are still fraudulent items on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns because there are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report.
Consumer complaint received 2021-01-19
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. (NC)

have held a XXXX VISA card for many years with a {$50000.00} credit limit. Two weeks ago, I applied to XXXX to increase that limit to {$100000.00} and provided them with current income figures which are more than enough to justify the increase. However, Equifax obviously did no research into my financial situation but merely said " ... the outstanding debt on your credit accounts is too high ... ''. In fact, the ONLY credit account I have is the same XXXX  card I was applying to increase. I have a net worth of over $ XXXX, have never had one overdue bill and absolutely no debt whatsoever other than that XXXX VISA card. 
As a result of Equifax 's shoddy work, I expect that my credit rating will suffer. As a result of their actions, I have applied for another credit card with a {$100000.00} limit and am convinced that, if I am refused that limit on this new card as well, it will be as a direct result of the Equifax report.
Consumer complaint received 2022-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-06-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.