davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

CITIbank RDI located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX, reversed my deposited checks received from Blue Shield insurance. Citibank states that XXXX XXXX placed a stop payment causing my account to reflect XXXX in fees. At the present time I do not have any documentation from my insurance provider stating their actions to reversing credits due back. I need Citibank to correct the error in refunding my deposited checks for XXXX, including overdraft fees for XXXX.
Consumer complaint received 2023-01-10
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

Our home burned down in XX/XX/2018. The insurance funds went to our then mortgage company which paid them out as work was completed. We had to fire our old contractor and the new contractor has practically finished the house. Meanwhile, our loan was sold and transferred to Shellpoint mortgage. Shellpoint now holds over {$37000.00} which they will not release. They say they need several documents from the new builder which he submitted several times. The mortgage company claims to have never received the documents and keeps adding new requirements. ( Moving the goal post ). We have had two recent inspections of the progress of the build, with the chosen inspector of the mortgage company, ordered by the mortgage company. Two ... because the first apparently either wasn't ever filed or was lost. The mortgage company said they couldn't find it either way. It is like trying to get blood from a stone and their left hand never seems to know what the right is doing. Also, since we have been unable to access funds to finish, my wife and I have had to indebt ourselves with high interest lines of credit to get to where we are now. We have paid over {$70000.00} to the new builder from credit cards, personal lines of credit and cash. Our agreed upon amount with the new builder has been paid almost in full but there are extras we need to pay for to get occupancy in order to refinance our way out of this nightmare. Our cash savings have been depleted and we now owe over {$50000.00} to creditors. We are struggling to make those payments along with not only our primary mortgage payments but also {$1200.00} a month for the rental we are staying in until we are back in our home. All the while, our bank ( mortgage company ) clings to {$37000.00} of the funds our insurance company paid to fix our home. Of course, we paid all the premiums. Our home is valued at over {$400000.00} of which the mortgage company holds an interest of only just over {$160000.00}. The balance of equity is ours. Although the home is over 95 % complete, the mortgage company won't release the funds. As our new builder has been paid almost the entirety of the contractual agreement by my wife and myself, I want the remainder of the insurance money the mortgage company holds, released, along with interest they have earned by holding it since XX/XX/2018. When our home is complete, we can refinance it and pay off the high interest lines of credit. 
We need to get back in our home. We are very close to completion. The funds from the mortgage company will get us over the top. Thank you!
Consumer complaint received 2019-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (TN)

On XX/XX/2019 at XXXX XXXX C.D.T. I was contacted by a Ms. XXXX XXXX regarding a debt belonging to my EX wife whom I have been divorced from for over 10 years. Per the divorce agreement she is responsible for all of her debts. I do not desire to hear about this matter, my Ex Wife 's name mentioned, or harassed again by United Collection Bureau, their agents, substitute trustees etc, regarding any and all matters concerning my EX wife. I have instructed XXXX Co. Sheriff XXXX XXXX to have his deputies arrest her on sight should she be found on my property, or in close proximity to me. Can I make it any more clearer that stalking by her, or United Collection Bureau will not be tolerated. 

United Collection Bureau XXXX XXXX XXXX XXXX, Ind. XXXX XXXX
Consumer complaint received 2019-12-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Renew Financial Holdings Inc (CA)

Re case number XXXX. 

please either reopen the prior case or look into the problem in a new line of evidence I am XXXX XXXX. I got a loan of {$120000.00} from XXXX  XXXX for remodeling my house. I had to remodel my house only using XXXX  XXXX designated contractor who stole the money and didnt do the job which is proven by the court. The court affirmed that the contractor is a fraud. Please, see the attached documents. 

XXXX  XXXX should have removed their loan from my mortgage in XXXX  XXXX XXXX, but I continue to pay currently about {$2000.00} per month, resulting in over XXXX annually. 

It is not fair that I have pay a loan money that were stolen by the contractor, and my house still needs remodeling. 

The only job in the house was done was solar panel installation which costs {$13000.00}, but I have to pay {$65000.00} by contract. It is installed on the north side of the house which is not working. The contractor should have installed solar panels on the south side of the house. 

Last complain of mine got a response from a XXXX  XXXX XXXX which has nothing to do with my situation. Their job is only to get my money to pay XXXX  XXXX who put me in trouble. this is why XXXX  XXXX needs to remove my loan and request money from their contractor who practically stole them.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

XX/XX/2021 XXXX XXXX {$36000.00} this is not correct information reporting to the credit bureau. unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that informatiob
Consumer complaint received 2023-01-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Accounts Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Responsibility : Individual Remarks : each of these accounts 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 2019-05-14
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: EQUIFAX, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I've contacted the FTC and my police dept. I'm doing this on my own behalf. 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. Inquires : 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 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
Consumer complaint received 2023-03-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On Tuesday XX/XX/XXXX, I was alerted that my Chime Bank Account was being hacked. I called Chime customer service to alert them that it wasnt me. The hacked had accessed my acct. changed my email and phone. The representative help me regain my account access and i assumed XXXX  was fine. with a hour later i got more alerts about my account I called chime again and. We went through the process of regaining my account access but this time the person was able to take all the money out of my checking and savings account. Totaling $ XXXXall in five minutes. Also all while I was on the phone with the Chime representative. Today my account was hacked again no money was taken because it was all taken on tuesday. I called Chime to see what the status of my funds being returned and they told me it could take up to 90 days. I have bills that can t go unpaid until then. Im confused on what type of investigation that need to make that would take that long. I need help! I also wish to prevent this from happening to another innocent person who is just trying to make ends meet as I am.
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX and Experian credit reporting agencies 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. This fraudulent inaccurate and false information consists of a collection account opened at XXXX XXXX XXXX on XX/XX/year> ( I DO NOT HAVE ACCESS TO THE ACC NUMBER ASSOCIATED WITH THIS ACCOUNT ) This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a major real estate loan closing and I am at risk of losing tens of thousands of dollars due to an item reporting inaccurately on my report. The XXXX XXXX Acct # XXXX is not accurate at all. In my recent disputes this item was deleted by XXXX because they realized it was not reporting correctly so I am requesting that XXXX and XXXX also delete the item as well. I submitted complaints to the XXXX main credit bureaus XXXX, XXXX, and Transunion and it was deleted my XXXX. This item was verified however it is not accurate at all and needs to be removed immediately! If I lose my deposit for this house I will hold everyone accountable for harming me financially. I am attaching the loan documents for you to see it is for real. Please delete the XXXX XXXX   account # XXXX like XXXX did for inaccurate reporting.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I am located in California and have a line of credit with PNC. I have not had a balance on this line of credit for quite some time. We are selling our home and needed to obtain a pay off demand from PNC to close on our home. PNC has not sent us any statements so we did not have the current account number. Called them and they verified who I was through their three step verification process. Initially spoke with XXXX who said she could not provide any information because I could not verify the most recent credit limit. Escalated up to XXXX XXXX who was able to verify who I was. Issue is that he said they are unable to provide me with my loan number to order the payoff nor can they email or fax me a statement because I am not located in their " footprint ''. He said the only way they could do this is to have me go to one of their branches that is out of state or I will have to wait 5 to 7 business days from them to mail me the information via standard US mail. I explained that if this process takes too long I will not be able to close my home on time. Are they sure there is no other way to accommodate a customer outside of their bank footprint. He said no. This is concerning. If a bank is doing business here in California they should have policies in place to accommodate their customers just like they could the ones within their bank footprint. Almost sounds like disparate treatment!! This will not be a huge issue for me as long as I can obtain my pay off in two weeks but for other customers outside their bank foot print this could be an issue. Thank you.
Consumer complaint received 2023-02-21
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 sent a letter on XX/XX/2023 to remove these accounts 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 accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXdischarged Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (MI)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (GA)

I do not have an account with your company. Any inquiries have been unauthirized. 

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows credit inquiries that I did not authorize. 

I am writing to dispute the inquiries and ask for their removal from my credit report because I did not request them. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Consumer complaint received 2023-01-10
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. (HI)

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. 

Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Experian does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. 

The record shall be removed.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX  XXXX This is a cease to exist order. These accounts must be removed immediately being that they are fraudulent and inaccurate. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


I have hired a lawyer and fraud speciiast to now look at my reorts. I have frozen every report on all 3 credit bureaus. Im really taking a hold of my credit now being that I see the power. These accounts are fraudulent and were unauthorized in my name. PLease remove these asap. 


XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX