davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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)

Dear Experian Representative, I am submitting this formal request to remove fraudulent information from my credit report. Attached is my FTC Identity Theft Report, reference number XXXX, which documents the unauthorized activities associated with my identity. 

Upon reviewing my Experian credit report, I discovered numerous errors, including fraudulent accounts, unauthorized inquiries, and inaccurate personal details. The following information does not belong to me and must be removed : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries do not reflect any of my actions or authorizations. I request that Experian promptly remove the fraudulent accounts, unauthorized inquiries, and inaccurate personal details listed above. Additionally, I ask that a fraud alert be placed on my profile to help prevent further unauthorized use of my information. 

Please process this request as soon as possible in compliance with the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I requested a copy of my credit report via Annual credit report. I contacted Equifax on XX/XX/XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Equifax stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Equifax because they had no record of my ever applying for credit with them and stated it was Equifax 's error. I sent a letter via certified mail on the same day, tracking number XXXX which they received XX/XX/XXXX requesting again for a the credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Equifax explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Equifax even after it has been brought to their attention : XXXX XXXX XX/XX/XXXX ( fyi, I have been with XXXX for last 8 years ), XXXX XXXX XXXX XX/XX/XXXX ( please be advised that per XXXX XXXX the XX/XX/XXXX inquiry was a promotional inquiry and that only the XX/XX/XXXX is a hard inquiry because that I when I opened credit with them ), XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX ( XXXX did state that they would provide a letter to Equifax to remove the inquiry since I did not apply ). 
I am requesting that Equifax, immediately remove the aforementioned credit inquiries.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have a checking account at USAA bank. Someone, a third-party criminal of some sort, wired in {$4000.00} and withdrew the money in {$900.00} increments from an ATM in Florida. I have never been to Florida. The bank made me aware of the fraud. Separately, I have {$1300.00} in an investment account to buy and sell stocks. I asked USAA bank to wire this money to a different bank, XXXX bank. The request was made Monday, XXXX XXXX in writing. USAA bank has thus far ignored my request, on the apparent grounds that my checking account is - {$4000.00} as a result of the fraudulent activity which is not my fault described above. The bank has also frozen me out of my own accounts online, and not given me any information about them. Their excuse is my accounts are " under review '', a phrase that has no meaning at all in banking
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (CA)

To whom it may concern ; This is now my XXXX attempt to get resolution to my multiple concerns. I have already filed ( XXXX ) CFPB complaints ; Case # 's : ( XXXX & XXXX ). First and foremost, whomever is to receive this complaint please read the previous complaints so that you will have a good grasp s to what has been going on these past two weeks. 

I have been dealing XXXX XXXX XXXX at NFCU throughout last week. The last time we spoke was on Friday, XXXX XXXX, XXXX. At that time, he had agreed to at the very least have my 30 day late removed from the credit bureau 's and to find a way to stop additional reporting on the XXXX account in question until the investigation of my complaints have been completed. I told him that I was willing and able to come in to a branch a pay my minimum payments of {$330.00} x XXXX ( XXXX, XXXX XXXX & XXXX XXXX ) to total {$1000.00}. I came up with this amount per the Declarations page line # XXXX. In return, he was supposed to get the authority to have the 30 day late removed and to stop further reporting. XXXX XXXX told me that he had a meeting this past Friday at XXXX EST and that he would be getting back with me after this meeting. I have yet to hear from him concerning the status of everything that has been discussed. 

Furthermore, as of this past Friday, XXXX XXXX, XXXX I called and spoke with XXXX Fraud department to let them know of what was going on with NFCU and that I wanted to dispute my not being late and the effective balance and monthly payment that was reporting to XXXX as inaccurate and additionally based on unauthorized transactions. XXXX at that point filed a dispute on my behalf under the Fair Credit Billing Act which in turn is supposed to immediately stop reporting all data attached to this trade line until NFCU has had an opportunity to investigate further. 

XXXX XXXX is also under the impression that NFCU has up to 60 days to respond to my CFPB concerns, which is false under the circumstances I have brought forward to NFCU. At this juncture, I simply can not understand why I have been dealing with this for the amount of time I have with NFCU and yet there is still no resolution and not even remotely any consistent conversations with me as a customer. I continue to be told that I will be called back with a " status '' but this has yet to happen. 

Unfortunately, today is now XXXX XXXX that is reporting my being late with this account and is the last day that we can move forward without irrevocable harm to my credit. How much effort should a customer have to bestow to the creditor in order to pay a debt that is deemed the ethical and more importantly legal amount owed on a monthly basis? 

XXXX XXXX XXXX
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (KY)

Citi credit card : I started to notice the discrepancy of Citi credit when I returned my shoes to XXXX store and they reimbursed me, despite not showing up in my account to get this amount back again. I called customer service twice first waiting for half an hour and hang up and the second time too until a very rude assistant replied to me. I did my best in explaining to him that it is not dispute it is already reimbursed but their system does n't show credit it back. The conversation went on and on trying to make him understand and then he consented to credit it. After a while I browsed my account again but did n't seem to be credited back to me although I received email confirmations from them. I decided to pay the balance in the card except for this amount ( about {$84.00} ). Except for few transactions with Costco I did n't this card anymore. Surprisingly they accrued a weird fees for the unpaid amount and when they called me to collect payment and I told them many times the problem is at their side. Finally I paid off the rest and decided not to use this card anymore but I 'll have to file this complain hoping to return the lost money.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

we have XXXX loans from XXXX XXXX - now Navient we have tried to get loan forgiveness, low payment options and /or lower interest rates we have been turned down multiple times. We went to a forbearance company thinking they would take the loan at a lower cost only to find out we still have to pay the loans and the other company as well. Navient harasses us for payment when we should n't be paying on the loans, none of our phone calls are documented nothing gets document when you call. We need help and no one is willing to help. we can discuss this in further details if we can get a call from someone on your end.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

XXXX XXXX steered me into forbearance after I graduated and in a year added {$50000.00} to my debt total. I was not given any other options like income based repayment. I was working at a XXXX XXXX at the time making {$XXXX} an hour and they said my only option was a {$150.00} forbearance that would buy me 3 months with no payments. I had no other option as my monthly bills were over {$700.00} for the student loans and I could not afford that. I joined the military to help pay down my student loan debt but have n't made progress because of the insane amount of debt that accumulated thanks to the forbearance strategy XXXX XXXX steered me into. I have since been given a check because they fraudulently did not award me a lower interest rate as a result of my military service and I have found they tried to capitalize my interest early while I was in XXXX XXXX. I have absolutely no faith in XXXX XXXX or Navient as they are called now.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have sent Capital One several letters but they have not replied to any of them. This is NOT my account! XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX. I recently put a fraud alert on my credit file. 

These are NOT my accounts. I feel that my ex- husband ( XXXX XXXX ) used my personal information to obtain money, credit, goods, loans, services, etc. He also shares my information with his current wife, XXXX XXXX. Please have XXXX REMOVE this account & their Tradeline from all XXXX major credit bureaus. Thanks you for helping me with these issues. This has been very stressing.
Consumer complaint received 2017-01-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MN)

I had a judgement made against me that I paid to a debt collector XX/XX/XXXX. XX/XX/XXXX I started receiving letters and calls from Midland Credit Management that I owed them the debt that I had paid to the other agency. I did not give them any money but they kept calling, sending letters and had an account added to my credit report until XX/XX/XXXX. Finally, I resolved the issue threatening legal action but a note should be made that they harassed me for years and would never just call and see that the debt was paid. I had to pay exorbitant interest on my car because of the account they made on my report and they refused to remove because they wanted me to pay. 
Thank you
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (KY)

I started a loan modification process with HSBC back I XX/XX/XXXX, due to a loss of income with my husbands passing. I received a phone call, saying I was approved, and I needed to make the first two initial payments over the phone that day. I did I paid {$1900.00}. for XX/XX/XXXX and XX/XX/XXXX. Since then I receive calls no paperwork just calls every to to three days telling me they are still working on it. I did make my XX/XX/XXXX full payment even though HSBC advised me not to. I decided to refinance simply because the rate is lower and I was tired of waiting. My financing is all approved and last week we did a conference call between XXXX XXXX, myself, and HSBC. On this call they stated everything was current and my balance was around XXXX. We requested that this would be faxed to XXXX and when they received the fax it shows a balance of XXXX and XXXX in interest plus it shows me default for XX/XX/XXXX, XX/XX/XXXX, and soon XX/XX/XXXX. 
I contacted them. They said I had two deferred payments years ago, which I did and they are charging me 5,700 in interest on those two payments. The rest of the XXXX is my interest for non payment of XX/XX/XXXX and XX/XX/XXXX. They acknowledge they have my money for all three months, but now they are saying they will not apply it to my account for up to another six months, till the loan modification is done. So I will be in default till then, which will kill my credit. I asked to take me out of the loan modification and explained that I needed this refinance, and they simply said no, we can not. I have asked to speak to a manager, and was told there was no XXXX available to help me. Now when I call them or anyone calls them on m behalf, it disconnects them when they input my information. I have been XXXX up front with them since my husband passed away and all I am trying to do is keep my home and make my payment affordable.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The Regional Adjustment Bureau, Incorporated (FL)

Regional Adjuatment, phone number XXXX out of XXXX Tennessee. This company called my brother in law asking for my sister to talk about a debt I owe. I have never provided any information other than my own on applications for credit or medical billing. I contacted the company to get their information, but they would not give me any information regarding what kind of debt this is because I do not agree to be on a recorded line.
Consumer complaint received 2016-07-05
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Closed on a home on XXXX XXXX, 2016. Received a notice in the mail from USAA saying they " completed an analysis of your escrow account, and has adjusted your mortgage payment to reflect changes in your real estate taxes or property insurance. '' The difference in our monthly payment is {$240.00}. How can they raise our mortgage payment if we 've already closed and signed based on a completely different agreed upon payment? Why was n't an " analysis '' done before we closed?
Consumer complaint received 2016-11-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

i opened an account with santander bank in XXXX, nj on XXXX XXXX, 2016 with a promotional bonus of XXXX dollars within 30 days after having my account open for 90 days and meeting XXXX in direct deposits. I have met all these requirments and we are on day XXXX and i still have not recieved my credit. I have emailed the cs of santander with a ref of XXXX and still have yet to receive a response. I have also called account services and was given a ref num of XXXX on XXXX XXXX, 2016 and my credit has not been issued. When i opened my account on XXXX XXXX i brought with me a coupon which i had emailed and gave to the women who opened my account. I get direct deposit from my employer every 2 weeks and have met the XXXX total a long time ago. I dont feel i should have to fight for money which was promised and is still being promoted on their site as of today
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I was out of town a woman stole XXXX checks of mine, filled them out and used them as payment for her bills. As soon as I found out I reported the theft to Bank of America. Bank of America is refusing to return the funds totaling {$530.00}. It was obvious to the Bank Manager whom I brought the theft to my attention ; that it was clearly not my handwriting nor my signature. In fact he pulled my signature card to verify. 

Please assist me in recovering my monies. 

Attached are the forged checks ( front/back ). Also there is a copy of a legitimate check, which I wrote and signed ( {$1500.00} ) so that you see the differences.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAINE & WEINER COMPANY, INC. (IL)

A debt collector Caine & Weiner XXXX XXXX, has a fraud account on my Equifax credit report. I have police reports along with my ID and Passport proving I was living out of the country for several years. This is some kind of Fraudulent Identity theft/Financial theft. I do n't owe this company.
Consumer complaint received 2016-11-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

They call from restricted numbers. My phone does not allow this. They call from many different numbers. They use this number to call me : XXXX. I have checked my credit report and no one has taken out a credit card in my name. I do not use credit cards. They primarily deal with credit card debt or old debts. I wish for them to desist and decease from further telephone contact until they can provide me with a debt validation letter proving that they now own the debt.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1.Bank of America has a customer care number that goes around the country in all different states.There is no good help and resolution. The account was closed by Bank of America. I want the account closed and free permanently. But the account continues to have fraudulent activities and making the account balance which was XXXX at time of close on XX/XX/2015 changing and the closing statement shows credit balance on the XX/XX/XXXX. And because there was more fraud activities going on within Bank of America, the balance is changing. 
Help!!!!! Help!!!!! Please It seems that government department such as the FTC and crib phone numbers are being forwarded and transfer to some fake or fraud number or offices that are floating around all over the world!!!!!!! 
2.Please have Bank of America straighten the account as it should be. 
3.My email address is XXXX 
4.Bank of America credit card account number ending in XXXX. Please have this freeze and permanently. 
5.There is identity theft going on accessing my account. 
6.There seems to be charges on the account too high. 
7.Please do not publish my information but you can do so with the kind of incident.
Consumer complaint received 2016-07-05
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Have asked HSBC for a Discharge of mortgage for the previous owner of my house. When previous owner paid their mortgage off XXXX years ago during the sale to me, the bank never recorded that Discharge of mortgage with county of record. My lawyer has now been working on getting that discharge since XXXX 2015, a process that should have taken no longer than 90 days per HSBC.