davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (NJ)

Notice to Equifax, I filed an FTC, and a CFPB complaint on XXXX through the CFPB portal about my identity theft then I mailed the FTC, CFPB a statement and my identification to them on XXXX to prove who I am, I haven't had any response, they rely on their paying customers to validate if the debt is yours or not knowing the customer is going to say its verified for their own agenda you can send them all the identification in the world to prove who you are there going to believe the customer first. They are in direct violation of 15 USC 1681c-2 Block of information resulting from identity theft and 15 USC 1681n ( a ) liability for willful noncompliance Equifax unlawfully reported fraudulent accounts that arose from identity theft they did not verify as required by law on my consumer report. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy. I have sent all appropriate information required by federal law to Equifax on two different occasions no prompt action has been taken. Of course, I'm just a consumer.
Consumer complaint received 2023-07-06
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)

Had a mortgage through XXXX. Long story short... I went through a very tumultuous divorce from my ex. I suggested to the judge to award him the home and he was to have it refinanced. I moved out of the house in XXXX. I have HARD, SOLID proof that the FIRST date of delinquency on this loan was in XXXX of XXXX, yet after having disputed this with Equifax and XXXX - NUMEROUS times ; I have yet to get a clear, concise resolution as to why they are still listing the first date of delinquency as XX/XX/XXXX. I was unaware of anything that had taken place on this loan because I had moved out and had no communication with my ex. My professional career is contingent on my credit history. I can not understand how I have proof of the first delinquency date, THAT I SENT TO THEM, and yet it still shows on my Equifax credit report. Equifax is the only bureau still reporting this and XXXX is not helping - in the aspect of accepting my HARD proof as evidence that the information is absolutely incorrect. I've written both companies and to no avail had any progression. I want the CFPB to investigate it. It is causing me financial and personal stress. I just want XXXX & Equifax to be responsible enough to admit that the information they're reporting is in fact INCORRECT & AN UNFAIR PRACTICE and to FIX IT!
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (MD)

I was approved for an Avant Credit Card on XX/XX/XXXX. I received an e-mail XX/XX/XXXX that my was card has been activated. Also on XX/XX/XXXX the card that was activated, {$620.00} was charged on the card. I called Avant on XX/XX/XXXX @ XXXX spoke with XXXX ( Avant Customer Service Department XXXX, informed her that I never received the card and I did not activate the card ; I also informed her that I did not make the purchase of {$620.00}. She transferred me to the Fraud department, I spoke with XXXX and made her aware of the information above. She canceled that card and issued a new one. She advised me that Avant is the only one that can credit the amount back to my card. On XX/XX/XXXX @ XXXX I called back to Avant Customer Service spoke with XXXX until XXXX, she stated she will make sure the matter is resolved an escalated to a Manager and Supervisor have them to call me back, she told me the purchase on XX/XX/XXXX, was made at XXXX 's XXXXXXXX XXXX XXXX XXXX, I looked up this store number on the internet and found this store is located in XXXX Maryland XXXX I have called Avant Customer Services Department daily with no resolution, I kept being bounce back and fourth to fraud department that keeps bouncing me back to Avant Customer Service. On XX/XX/XXXX I received my new card. On XX/XX/XXXX I called Avant spoke with XXXX to see why my new card has been locked. Per XXXX my card was locked due to frequent activity and need a copy of my drive license. I sent a copy of my drivers license to Avant on XX/XX/XXXX @ XXXX. On XX/XX/XXXX, XXXX I received an e-mail from Avant indicating they received my license information. I continue to call Avant Customer Service XXXX to follow up on my fraud claim, still was bounced around no return calls from Manager and or Supervisor, which I requested during every call. Finally on XX/XX/XXXX, I was informed that my Fraud Claim Specialist is XXXX and she would be handling my case. I called XXXX everyday and left voicemail message with no return phone call. On XX/XX/XXXX @ XXXX, I received an e-mail from XXXX XXXX she is handling my case, she request a police report. I contacted the XXXX XXXX XXXX department spoke with an officer, made him aware of what went on with my credit card on XX/XX/XXXX. He stated they do not investigate fraud activity on credit card or bank accounts. It's the responsibility of the credit card company or bank to do their own investigation ; the only thing he could give me would be a call number. I sent XXXX a response on XX/XX/XXXX @ XXXX. As of today the fraudulent activity on my card has not been resolved or investigated by Avant with the XXXXXXXX XXXX XXXX. I can prove that I was at work during the time of the charges on the initial credit card, I made Avant aware of this information as well.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (NC)

Home Depot Credit Services contacted me in XXXX about an alleged late payment on my account ending in XXXX. I did not recognize the purchase amount nor the date it allegedly occurred, and I filed a fraud claim with the card issuer. I also made a ~ {$600.00} payment at that time to bring the account current. Home Depot Credit Services reported negative information to XXXX, XXXX, and XXXX credit reporting agencies. On XX/XX/2022 I received a letter from Home Depot Credit Services notifying me that there is a {$790.00} credit balance on my account. I called the card issuer and requested a check to be mailed to me for the credit balance on the account. At the same time a senior account representative refused to correct the negative information with the credit reporting agencies.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Aqua Finance, Inc. (TX)

What happened was someone bought something under my credit on XX/XX/2022. The amount spent was 3,650 the companies name is AQUA FINANCE INCXXXX And the other amount spent was 5,295 and the companies name is XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from 2021 during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year 2021 which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was XXXX late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.
Consumer complaint received 2022-10-14
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. (GA)

XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These two XXXX XXXX cards, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my Myfico report. Both are violations of my rights.
Consumer complaint received 2022-09-19
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. (CA)

In accordance with The Fair Credit Reporting Act XXXX  account at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX total XXXX has violated my rights. 15 u.s.c 1681 section 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions I did not give no one on my credit report running instructions to put it on there
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

My checking account was withdrawed by counterfeit check at XX/XX/2022. I called CitiBank on XX/XX/2022. I was told that they will start an investigation and return my money back in 10-15 business day. I asked them to stop all incoming physical withdrawing checks. 
On XX/XX/2022, I found a second withdraw using the same counterfeit check. I called CitiBank investigation team immediately, and asked them to stop issusing money to any physical check withdraw agiain. I was promosed that that will not happen again. They are ding investigation. 
Today, XX/XX/2022, I found a counterfeit check withdrawing from my checking acount again by the same person. I talked with threee person, the last one is lay who is a team superwiser. She told me that will start investigation today, and suspend my checking acount for 90 days, during which I can not access my money. 

My complain is that they can not promise me with empty promise and pay my money to the conterfeit checks repeatedly. Due to the lock of my account, my finacial situation has been greatly changed.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (NC)

I have contacted credit bureaus several times explain that I closed and paid off mortgage XX/XX/22 and paid all balances on my account except car payment and when my morgage company pulls report it does not have updated balances sothat I may acquire a new mortgage.its been paid.

My credit has been pulled 12 times atl east which can also hurt my credit.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

I had my identity stolen and submitted a police report to the XXXX, XXXX and XXXX. I noticed there are hard inquiries on my reports that i did not authorized. If there are accounts attached to these inquiries they are fraudulent as well and also need removed.
Consumer complaint received 2022-12-06
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. (TX)

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

Title is exactly as stated. 

TD Bank back in XXXX closed my account because of delinquency. I had to pay off that amount before opening a new one with a balance of {$790.00}. The amount was paid in person, cash, in XXXX. Now in XXXX as of XX/XX/XXXX I was charged {$460.00} for an offset as well as on XX/XX/XXXX charged {$520.00} for a total of {$970.00}. I was told there's also a remaining balance of {$270.00}. 

I have contacted every single person I can manage to get ahold of. The boss of one particular store with a job title of " Business Analysts Supervisor/Account supervisor '' contacted me and told me that I could dispute the claim but there was no way they can reverse the offset. Also last week when I was in person they said they would do the exact same thing and nobody called me to give me an answer. I called back and spoke with the boss with a fancy long title. So I then called customer service. Since it was an offset they were unable to dispute it and said they would connect me to someone who could. I was connected with their Recovery department. The agent was not able to dispute the claim either. The only thing she noticed and was able to do was inquire and fill out an investigation of why I was being charged over the amount of the balance owed, which still doesn't solve the original problem of being charged 2x for something that was paid off in XXXX. 

I seriously need help here. Nobody at TD helps. Everyone says can't do anything about it. Nobody seems competent or in any real position of power to do anything. I have a scheduled call with the supervisor 's boss I had spoke to in the next 24 hours, " Business Analyst Supervisor ''. Essentially I'm speaking to every supervisor, getting their job title and name, and asking for their supervisor since every person contradicts themself with no consistency. When asked if they can explain the charge in detail, I never get a direct answer. It's just, X amount from collections. Forgive me on this because I'm not quite sure but after a certain amount of time don't banks just sell their debt to the lowest bidder after 180 days or so? So would a third party actually own my debt as well? Five year later collections comes after me? It all makes zero sense and feels like white collar theft. 

Will I have to take legal action? I'm open to all advice please.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$170.00} I previously submitted a disputed to Transunion regarding the inaccuracies in the above reference account. Despite providing evidence supporting the inaccuracies and requesting its removal my credit report, Transunion failed to conduct a thorough investigation, and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 


I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Consumer complaint received 2022-12-06
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: CURO Intermediate Holdings (TX)

I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, AD ASTRA RECOVERY SERV is reporting that I have a collection with them, and I have never been in communication with this company. They were notified to validate this debt that is reporting on my credit report, but they have failed to do so. I will include the letter as well as the time stamp. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that they've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, they are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. Please provide proof of your right to own/collect this alleged debt and balance claimed including all fees, interest and penalties. Provide me of the amount of which the debt was purchased, per the CFPB, I have this right as a consumer. Please conduct a proper investigation and remove this account. Also include a contract bearing my personal signature. My email is XXXX.
Consumer complaint received 2022-12-06
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. (FL)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-06
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: LEXISNEXIS (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-12-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MD)

I recently completed a refinance/debt consolidation with Freedom Mortgage in 2022. After several hiccups, the process was in line to complete. I was told by Freedom Mortgage, there would be no cost to me except cost of appraisals. I refinanced with Freedom a year or XXXX ( XXXX ) earlier to get a lower interest rate and reduced monthly mortgage and because of previous refinancing, I had over {$7000.00} in escrow. When closing on the 2022 refinancing, Freedom took close to {$3800.00} from my escrow to close on my current refinancing in 2022. The {$3800.00} plus was listed as a credit on my forms and I was under the impression from the Freedom Rep, that credit would come to me. Freedom Mortgage never told me I would have to fund closing my loan, much less they would take money from my escrow to complete. I felt this was deliberately done to put a few thousands dollars back into the mortgage company. I've spoke with Freedom Mortgage reps several times expressing my disappointment, but to no resolve.
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX / XXXX which involved me making deposits for a total amount of USD XXXX from my Coinbase account to fraudulent investment firms.