davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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  Balance Owed : {$2100.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-08-13
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. (AL)

I am REWRITING to EXPERIAN to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report numbers related to this complaint are XXXX, XXXX, and XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1978 Dear Sir/Madam, I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by various creditors, and I kindly request the Consumer Financial Protection Bureau 's intervention to address these violations and ensure my rights as a consumer are upheld. I would like to share my personal experience to emphasize the emotional and financial distress these inaccuracies have caused in my life. 

Below is a detailed account of the violations along with the relevant account numbers and specific FCRA sections that have been violated : XXXX  - Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX  - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXX XXXX - Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX XXXX - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXXXXXX XXXX  XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX XXXX XXXX CA XXXX - Account Number : Address Violation : Inaccurate personal information reported ( FCRA Section 613 ) Personal Experience : I want to emphasize the profound impact these inaccuracies have had on my life. The resulting damage to my credit has led to denied credit applications and higher interest rates, hindering my ability to make essential financial decisions. I vividly remember the recent incident when I applied for a loan to support an important educational opportunity. The inaccuracies on my credit report resulted in a denial of the loan, leaving me devastated and uncertain about my future prospects. The emotional distress and frustration caused by these errors are overwhelming and have strained my overall well-being. 

I earnestly request the Consumer Financial Protection Bureau 's assistance in enforcing the legal provisions outlined in the Fair Credit Reporting Act. I urge you to investigate the mentioned violations and work towards the removal of these unverified accounts from my credit report. This action is not only crucial for my financial recovery but also essential for upholding the integrity of consumer protection laws. 

I greatly appreciate your attention to this matter and look forward to your prompt response. My hope is that your intervention will help restore my financial confidence and provide a path towards rectifying these unjust discrepancies. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Account name : XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance {$1300.00} is not my account. I have never open this account and it was not authorized. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} is not my account. Also says this account had been bought so it shouldnt be on my credit report plus it was not authorized. Account name : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1100.00} is not my account. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00} is not my account and was not authorized. Account name : XXXX XXXX XXXX XXXX has been paid and should be off my account. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00} is not my account and was unauthorized. Account name : XXXX XXXX XXXX is not my account.
Consumer complaint received 2023-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2023, I made a payment of {$1600.00} the current balance due at the time to clear up my account and brought it current to a XXXX balance. As per the agent I spoke to that amount was confirmed and I closed the account due to the high interest rate. 

On XX/XX/2023 I received an email that I was owing a balance of {$30.00} so I called in to query what that was all about, only to be told that was interest from purchases made from the card. I tried multiple times to resolve the issue and have the company Goldman Sachs write off that amount because I was not aware of it, neither did it show up in my account and the agent that took my payment by phone was not aware of it or made mention of it. They have refused to remedy the situation and choose to put me in collection status for {$6.00} placing a derogatory mark on my credit report and flagging my account 90 days past due. No one was making an effort to correct the fault on their end, as I was not made aware of this balance at the time I was making my payment and closing the account. This account was placed on my report after the fact my account was paid up in full and closed.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

Under the counsel of my HUD advisor, I had sent an appeal request to my lender US Bank Home Mortgage in regards to a denial letter dated XXXX/XXXX/2015. According to their denial letter, my appeal needed to be submitted no later than XX/XX/XXXX XXXX,2015 I sent my appeal letter directly to my relationship manager as well via certify letter on XXXX/XXXX/2015, and I also gave my relationship manager a call letting her know that my appeal letter had been sent. ( left a voice mail on XXXX/XXXX/2015 ) no response. I left a second voice mail on XXXX/XXXX/2015, no response. Being concern that I was hearing from my relationship manager, I called again on XXXX and talked to another agent from US Bank and I was told my she would pass on the message to my relationship manager because she was the one in charge of my file. 
On Monday the XXXX, I had a missed call from XXXX XXXX XXXX, my relationship manager, I called her back on this day ; but I was not able to talk to her. Finally, XXXX XXXX called me on XXXX telling me that because I had sent my correspondence to the wrong department, US Bank Mortgage, XXXX XXXX XXXX XXXX, MN instead of US Bank Home Mortgage, Escalation Center, XXXX XXXX XXXX XXXX, MN. and despite the fact that I had also faxed the appeal letter directly to her on XXXX/XXXX/2015 they were no longer considering my case, and she suggested to sell the house. 

I related this answer to my HUD counselor and she advise me to contact as soon as possible the Consumer Financial Protection Bureau
Consumer complaint received 2023-08-28
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 (CA)

I stayed around 10 days in a hotel close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least 5 of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! 
XX/XX/2023 : 1. XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXXXXXX 5 XXXX XXXX XXXX XX/XX/XXXX  Dormant Acount Activity Lender : XXXX Amount charged : {$520.00}
Consumer complaint received 2023-08-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (FL)

I received an email on XX/XX/2023 that Ally Savings Bank had closed my savings account. No reason was given as to why the company closed my account. I sense this was done in retaliation for a complaint I had filed with CFPB.
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (CA)

This is the third or fourth time they are saying that I didn't purchase a XXXX  insurance although I did that two months ago. On top of that they are trying to sell me their own XXXX  insurance coverage. My repeated complaints and contacts are falling in XXXX  ear.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I have been a loyal customer of U.S. Bank for almost 18 years. Wednesday, XX/XX/2023 I went to pay bills though U.S. Bank 's Bill Pay. I noticed all six of our checking and saving accounts were gone. The only account I could still see was my Retirement CD. 

I called customer service and told them my accounts were not showing up, gave them my SS # they said they couldn't find my information, so gave them one account number and they confirmed all my accounts had been closed. I said that was impossible as my husband and I absolutely did not and never have closed any of our accounts. Now I'm thinking we've been hacked. Now being transferred for the 3rd time. She then said U.S. Bank closed the accounts. I asked where the money was and she didn't have an answer for me. Freaked out, I demanded to speak to a manager, the woman on the phone said she couldn't get me in touch with a manager ( why not? ) so she took my info and said she would have a manger contact me asap. A week later still have not heard from that manager. I got off the phone and immediately went to our local U.S. Bank branch in XXXX, CA. Manager had just gone to lunch so spoke with a representative, XXXX. XXXX said he couldn't find any info as to why all our accounts were closed, but did confirm a few check had been mailed out. He also said I wasn't the first person to come in with this problem in the last few weeks??? ( What does that mean? This is a thing? ) I asked for his manager to call me asap when he gets back, gave him all my info. Again, it's been a week and I haven't heard from anyone at U.S. Bank. We also still have not received checks for 4 of our accounts.

Why were our accounts closed? Can they really provide absolutely no information as to why they closed them? Is that lawful?
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

Our Chapter XXXX closed XX/XX/XXXX. Shellpoint did have our records correctly reported. All of a sudden XX/XX/XXXX we can not access our home loan records on line ( or through their regular Customer Service ) because we are now back in Bankruptcy according to Shellpoint 's records. Our file has been sent to their Bankruptcy department. We can not get a statement. We can not access our loan online. And most importantly we can not get a response from the Bankruptcy department. We have made several calls to Shellpoint 's customer service and then been transferred to the Bankruptcy department. There are no live people to talk to. You must leave a message and someone is supposed to contact you within 24 business hours. We have an email and a phone but no one 'gets back to us '.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

I want to file this please as my formal complaint to NAVY FEDERAL CR UNION for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2016-02-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

When I started school, all me and my cosignor knew was XXXX cumulative max could be borrowed. To us that meant that once that amount had been borrowed, approval would not occur anymore. That credit was checked by lenders and the website that monitors student financial aid would be checked by lenders and when shown that amount had been reached, that was it. However, between XXXX and Navient/XXXX XXXX, they never capped that max and now I am in debt over XXXX dollars. XXXX loan alone went from XXXX original to now XXXX owed. These are just private loans- not including my federal. I am paying OVER XXXX a month in student loans! My entire income is going to this debt. It is not affordble to me nor to my cosignor. They took advantage of nieve borrowers. It wasnt until grad school did I learn of my total amount owed and how these XXXX lenders XXXX us by not stopping the approval process at XXXX max. I have XXXX children and a husband in the military. We are rapidly going in debt and losing things because this is consuming us. They harrass us and our family daily. Sometimes calling 30 times a day, they hound my co signor at work to where he has been threatened to be fired. They refuse any payment options, they have talked to me in the most disrespectful of manners, They threaten us, and not only that its impacting my husband military career and the life we can provide for our children. Something needs to be done about this,, I can not afford this for the rest of my life, it is physically making me ill, mentally wearing on me, I work 5-7 days a week, XXXX jobs ata time, my husband works XXXX jobs and we are not making it.
Consumer complaint received 2015-09-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MA)

This collection agency is attempting to collect a debt from a company/entity called " XXXX XXXX XXXX. '' I am not that company and have never heard from them. I would like this collection agency to stop sending collection notices to my home address concerning this company/entity. The collection agency has also never provide any proof as to how a company called " XXXX '' or who they are, owes any money??
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX changed authorization payment date that was in the system already from XX/XX/2023 to XX/XX/2023. Told apartment manager I was making the payment originally XX/XX/2023 and apartment manager kept telling me I have to make the payment date on XX/XX/2023 to avoid eviction even though the paper she given me said XX/XX/2023 XXXX XXXX. The payment that was pre authorized to come out on that date processed in their system on XX/XX/2023 and posted on XX/XX/2023. Spoke with corporate and they said they have no way of going in to change the payment authorization dates. This has happened twice and only times when management or leasing office has called me about certain dates to make the payment. No other issues with other months other than XXXX and a few months ago. No solution was given. XXXX from corporate kept saying that their processing system can process authorization days prior before even though it does not do that any other time.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DFC Global Corp. (CA)

XXXX XXXX ( Money Mart ) ceased operations in California and refuse to refund my balance. I contacted, them by phone, used password, provided last 4 and haven't changed my address of record. They stated that I have to remember my last transaction which was in XX/XX/2023. 
The outstanding amount is only {$30.00} but the provider is maliciously withholding the balance.
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

ON XXXX XXXX bank of America 's collection and recover dept. illegally try to fund an account of mine that was over drawn .... they issued a claim on a transaction I did XXXX XXXX, the claim was initiated by the collection and recover dept.., because my main checking account was over drawn XXXX dollars for XXXX daysThey wanted to bring it balance above XXXX, so they founds XXXX payment I made to XXXX XXXX bank on XXXX XXXX 2015 and claimed that I did not authorize that charge to XXXX XXXX bank XXXX which was a lie and a false hood ) I did authorize that transaction and never gave the bank permission to initiate a claim on my behalf!! 
It was done fraudulently and without my permission!! The claims dept. initiated an arbitration letter to XXXX bank and XXXX bank sent the XXXX back to bank of America XXXX 
I caught the fraud when I received a call from XXXX XXXX bank, they stated I was XXXX over limit!!! 
I made several calls to bank of America and XXXX bank after several threats of litigation and they final sent back the money to XXXX bank XX/XX/XXXX XXXX I believe my right were violated and I want an investigation done, I also obtained a lawyer to file suit against the bank of America for damages .. I would like the parties involve prosecuted to the full extent of the law and the bank responsible for these crimesI XXXX XXXX
Consumer complaint received 2016-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

Started getting calls again for another person. I told them on XXXX XXXX that I do not know who he is do not call my number again. They said they would add my number to the do not call list. Again today I received a call from Ally bank looking for him. I had this same issue with them a few years back and they are starting up again.
Consumer complaint received 2023-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

EXPLAINED IN PERSON TO BANK MANAGER THAT MANAGER AT THE TIME OF THE TRANSACTION SAID THAT HE AND ASS'T MGR AGREED THAT IT WAS A FRAUDULENT/SCAM AND THAT THEY WOULD HAVE TO CLOSE ALL ACCOUNTS AN GRIND ALL CARDS - - DEBIT AND CREDIT - - AND THAT IS WHAT THE MANAGER DID. HE THEN MADE THE STATEMENT TO US THAT " THEY DIDN'T OWE US ANYTHING AND WE DID NOT OWE THE BANK ANYTHING. LATER WE RECEIVED STATEMENTS FOR THE {$990.00} AND WE HAVE BEEN DUNNED FOR THAT AND ALL THER OTHER CHARGES THEY ADDED EVER SINCE AND THEY HAVE DENIED THAT THE ORIGINAL MANAGERS STATEMENT WAS EVER MADE. THEIR STATEMENTS DO NOT INDICATE ANY PROOF THE WE WERE THE ONES THAT USED THE CREDIT CARD. WE HAVE OFFERED TO PAY THE ORIGIGAL PRINCIPLE AMOUNT BUT THEY REFUSE TO ACCEPT ANYTHING LESS THAN THE ENTIRE AMOUNT OF {$1400.00} WITCH INCLUDES THEIR CHARGES.
Consumer complaint received 2023-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (NY)

The nature of this complaint, is the abusive practice of Frost-Arnett and violation of law.

They have called a family member not myself to discuss a medical issue billing in violation of Federal and State law, they must verify who owns the phone before attempting any communication, in their letter they write that if they hear by XXXX  they assume info is correct.

Not, they can not assume, Frost-Arnett and any debt collector can not and should not assume by any date. They must do their due diligence.

They should abstain making threats at any given times, and avail managers.

They are trying to collect a paid off debt, and only care how to defraud innocents, they should be shut down. 

This was paid by XXXX on XX/XX/23 check XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/ I reached out to The CRA about an address that needs to be removed and blocked on my credit report as a victim of identity theft, they stated the address was removed Today when I pulled my report the address is still there Please block and delete the following address from my report : I am not affiliated with this address and I am a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please see my attached FTC report.