davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

To Whom it May Concern : On XX/XX/2021, we were victims of mail theft and debit card fraud. The below listed dates and withdrawals were fraudulently made from our joint-checking Citibank Account no. ending in XXXX. We opened this joint checking account virtually on XX/XX/2021. Between XX/XX/XXXX and XX/XX/XXXX, we only made virtual deposits, and no withdrawals. From XX/XX/2021 and the date of the crime, XX/XX/XXXX, we have been waiting for our debit cards to arrive in the mail, but never received them. 
Dates Transaction Amount XX/XX/2021 {$500.00} XX/XX/2021 {$400.00} XX/XX/2021 {$400.00} XX/XX/2021 {$400.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$50.00} Total {$2100.00} It was to our surprise when we received two emails from Citibank on XX/XX/XXXX, stating that both of our Citibank debit cards had been unlocked using Citi Quick Lock through a customer service representative and is now ready to use! Neither of us received our debit cards and we never set up a PIN number. The above listed transactions were all made in XXXX XXXX, CA before XXXX on XX/XX/2021. 

Upon receipt of the email notifications, we immediately notified Citibank of the fraud and froze our debit cards and joint checking account. I inquired with Citibank how this could have happened because I thought we had to somehow verify our identity in order to activate a debit card. The Citibank representative explained that the bank mailed BOTH the debit cards AND PIN numbers in separate mailings. Meaning, the mail thief would have obtained both pieces of mail in order to commit the fraud. This is a huge violation of security. I've never had a bank mail me a temporary PIN number before, and I find this practice concerning. 

Both joint account holders were traveling in XXXX XXXX from XX/XX/XXXX and we did not return to XXXX XXXX until XX/XX/XXXX, XXXX. It is therefore impossible for Citibank to consider these charges as activity to be consistent with [ our ] normal banking activities. If Citibank checked the video surveillance footage at the locations these transactions were made, anyone will see that we did not make these withdrawals. 

We provided Citibank with our detailed travel itinerary and hotel receipt to prove that we were not in XXXX XXXX when these fraudulent charges were made. We also provided Citibank with the police report, ( ref no. XXXX & case no. XXXX ) we made with the XXXX XXXX  XXXX  XXXX We reiterated that the above referenced charges were made fraudulently and without our consent many times, in follow up calls to check on the status of the investigation with Citibank. 

To our dismay, Citibank reviewed our appeals request and still denied our claim. We are hereby filing this complaint against Citibank. Thank you, kindly. 

Very truly yours, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Reached out to the bureau requesting validation of debt for charge off account for XXXX on my credit report I sent the first letter to them on XX/XX/27 and they sent a updated report with changing the payment status date I resent another requesting for verification of the debt and they still have not sent results or any documentation. I also sent another letter on XX/XX/27 and XX/XX/27 as well to the credit bureau and they sent no response and its been over 60 days. They only sending updates on the credit report with changing the payment status dates and payment history back and forth and all three bureaus are not reporting the same across all three. I requested investigation to be re done three times as well as sent documentation of proof with also factual data showing the inaccurate information and investigation still have not been resolved and no response from the creditor or correct investigation from the credit bureaus.
Consumer complaint received 2022-07-08
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX and 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 a account without my written instructions
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I suddenly got a late payment delinquency report made by XXXX XXXX  from my credit bureau -Experian XXXX in the first week of XXXX. I called XXXX XXXX, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with Experian so that they can support it as well. But the agent I spoke to lied to me. 
When I reported this, they reported back to Experian that the report was valid. This is why I am now making this complaint. 

I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. 

But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. 
This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that XXXX XXXX  had created is insurmountable. 

When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this XXXX XXXX  situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. 
So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? 
No, something is definitely fishy about this.
Consumer complaint received 2022-12-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (NY)

Hyundai Motor XXXX  Finance did not completely explain into detail the terms of the lease agreement. When the lease was at expiration date, the vehicle was handed in. Though I did not agree to follow up on another lease there was no issue when it came to the amount of miles agreed on the three year lease. There was nothing mentioned to me about any type of fee afterwards. A couple of weeks later I was notified by mail that I had an amount that was in collections in regards to the lease. I had made all my payments on time every month. I found it odd that collections was reaching out to me. Overall I call Hyundai and they mentioned that this was a fee. I care very much about my credit history, I made that payment to collections as soon as I could. If this could please be taken out out of my credit history, since this was all miscommunication in part of Hyundai 's employees when the vehicle was handed in. No-one mentioned anything about a fee, to be mailed to me.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

EQUIFAX, as well as other credit reporting agencies, is obligated by the FCRA to report accurate accounting. As the consumer, Ive stated this account has been reporting inaccurately and fraudulently. XXXX labels this alleged debt as a Charge-off, which is income according to the IRS. Its specifically against the law for any credit reporting agency to report income on a consumer file/report. 
Also, the Equifax company is liable under the SEC to follow certain rules. EQUIFAX XXXX file number XXXX .P. XXXXXXXX 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. Since this is an alleged charge-off, I will be filing form XXXX treasury forms to audit this account, as the consumers account. 
EQIFAX, as well as XXXX and XXXX are securitizing consumers data yet refuse to provide me, the consumer a copy of the CONSUMER FILE and NOT CONSUMER REPORT. 

Check the photos as well as letter attatched
Consumer complaint received 2022-07-08
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 sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2022-07-08
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)

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2022-07-08
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. (LA)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items/ are unknown to me.I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX AV XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-08
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

My n ame is XXXX XXXX, and you all have received the complaints that I had from all XXXX credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX and 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 a account without my written instructions
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My son and I have a joint checking account and I previously requested he not be allowed to overdraw the account. He has for a second time overdrawn the account. He was {$12.00} overdrawn and this resulted in over {$70.00} in overdraft fees, he is a minor and my request that any transaction that would result in an overdraft be rejected has not happened. I know he has had previous fees reversed due to this exact situation but this is bank error in not updating the appropriate overdraft opt out preferences. I request all fees related to this overdraft be reversed and the account correctly opted out of paying overdrafts in the future.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current (SC)

XXXX XXXX dollars was taking out of my current acct from some one using the # XXXX after they took the money the called multiple times taunting us on taking the money. Police report was taken and police witnessed the callers male and female taunting.card was use in Florida and we resign in XXXX sc where the card was used 2 hrs prior to scam
Consumer complaint received 2022-07-08
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. (AK)

I never received any correspondent saying anything was late, missing, not received, or anything else of the sort from eitheXXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. When I called XXXX they admitted and its recorded that they couldnt have sent me anything because the address that I provided ( was 100 % accurate ) was not the address that any of the correspondents were sent to. Upon checking my credit report as I do all throughout the months for inaccuracies, as I have ate XXXX noodles for weeks at a time to repair my credit to where it was before the erroneous errors occured. When I filled a dispute with Experian I had received not only an update but dispute close, and the account is accurate but that due diligence was done in less than 24 hours.
Consumer complaint received 2020-11-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MN)

My divorce was final on XX/XX/2020. My ex started the refinance process with Freedom Mortgage to remove me from old ( current ) mortgage and reduce his rate. 
On XX/XX/2020 received email from Freedom Mortgage Marketing Department stating that they were committed to closing new loan ASAP, nothing was needed at this time, but would be sure to contact him immediately should that change. 
On XX/XX/2020 he received same message. 
On XX/XX/2020 he received email from XXXX XXXX @ inspire closings regarding per divorce decree, new deed needs to be done and notarized copy needed for divorce payment affidavit On XX/XX/2020 XXXX sent an email asking for clarification of what they need. 
On XX/XX/2020 XXXX XXXX sent email with attachment with information needed. 
On XX/XX/2020 he received message from Freedom Mortgage Marketing Department that they have been trying to contact him, there are some things to discuss ASAP. 
There are many emails back and forth. And looking at the emails my ex has forwarded me, I now figured out what happened. 
XXXX starts refi under old account # that is our joint #. The account # he has paying the mortgage to since we started our divorce proceedings. 
Freedom Mortgage then also starts corresponding with him with the " new '' account number of the loan he will have as a single person. 
XXXX thinks he has been corresponding with Freedom Mortgage regarding the same account # so he's only been responding to those emails to HAS been corresponding. Freedom Mortgage closed the new refinanced account on XX/XX/2020 because he never responded to THOSE emails. 

Freedom Mortgage refinance system is corrupt. Why are there 2 accounts open at same time, asking for the same information with out referencing the other account #. Why do we have to supply the information twice for EACH account #? 
Every time we tried to call, we kept getting a different person, calls would go unanswered or go to an answering machine that is never listened too. They never returned phone calls when they stated ( except XXXX XXXX ) unless I made them tell me when they would return my call. The Market Department never made an attempt to call XXXX, they just sent an email saying they were trying to get ahold of him. 

Freedom Mortgage now says they still can not remove MY name from the mortgage because the refinance did not get completed. 
They are stating that we need to go through an Assumption process to see if the loan QUALIFIES to have my name removed and it will take 3 to 5 business days to even have the form emailed to me. 

It is my understanding that once a divorce is final, XXXX is not obligated to refinance to remove my name from the mortgage. We only need to file a quitclaim to take my name off the property. 

Freedom Mortgage is stating that they can NOT remove my name WITHOUT XXXX refinancing.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

The Credit bureaus stated my account was properly investigating but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is ground for removal and they also violated my rights under 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 2022-07-08
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. (NC)

Re : File # XXXX XXXX XXXX On XX/XX/2022, I spoke with a representative from TransUnion, who stated that I must show proof that the Eastern District of NC expressed in writing that they " do not report any information to the credit reporting. '' Since that date I have not received any response from the dispute to permanently remove the inaccurate item from my credit report. 

For dispute purposes, I am enclosing with proof the Courts letter confirming that they DO NOT report any information to the credit reporting agencies.
Consumer complaint received 2022-07-08
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. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. XXXX XXXX XX/XX/2022