davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have spent an inordinate amount of time trying to get my payment records straight with Fifth Third. Although I pay a month ahead and additional principal on multiple occasions I am charged late fees. I attempted to get it corrected and am promised that it will be, but it requires continuous follow up and still is not corrected on this last go around. When I request detailed payment information they have sent a form that is unbelievably complicated. When I went to the branch to get an explanation the branch manager could not even follow the printout. I have had several mortgages and have never had the trouble and obscuration that I encounter with this bank.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC (FL)

We inquired about a home equity loan on or approx XX/XX/XXXX ( paperwork attached ). 
I was adamant in not refinancing our current mortgage to the representative [ XXXX XXXX XXXX XXXX # XXXX. ] Despite me stating the same he did not disclose he was a mortgage banker with the refinance sector. He deceptively led me to believe we were working on an equity loan. Only when I received paperwork regarding a " refinance denial '' did I have to ask to be sent to the equity loan department. I never approved a credit pull of my data knowing this would hinder points for other loan options. 
I was forwarded to [ XXXX XXXX XXXX # XXXX ] who was to aide in the equity application process. He began calling at erroneous hours/days ( see calls others requested from XXXX ). He was very egregious when I asked questions on my end. I began to email instead in order to have a paper copy of events. He proceeded to coerce me into uploading documentation under the impression that " all looks well. '' He continuously asked me verify finances regardless of the concerns I presented. It felt borderline harassment when he called me 2-3 times in one day. 
On XX/XX/XXXX he had me merge calls with my fianc to close the loan and he pulled my credit to only state I didn't have the correct credit score although he stated I " was good to go '' and I needed to wait for a late payment to be " seasoned '' from XX/XX/XXXX. He led me to believe everything was copasetic. On his email dated XX/XX/XXXX he once again stated we should be " in overall good shape. '' While on this way call he rapidly asked us to pull our credit. He did so and it allegedly came back ( XXXX ) points too low. This I assume is due to the prior unauthorized pull of XXXX XXXX under the same pretense. After-fact I requested the credit report he used for this conclusion and he stated he could not provide this to me. I am now being bombarded with solicitations offering me home equity loans. I am led to believe rocket mortgage shared my information without consent. This is an uneasy feeling with my current loan servicer. We were under duress in order to get a loan to upgrade our home and pay off debts and are now faced with no other options. I would like this to be reviewed and considered as potentially deceptive practice.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TX)

CREDITOR : XXXX  Date reported XX/XX/year> DATE ASSIGN : XX/XX/year> AMOUNT XXXX Account # : XXXX I have collections that don't belong to this account which can cause harm to my credit. Also getting reported on different accounts under different names.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On Sunday early morning ( XX/XX/XXXX ) at about XXXX my account was hacked and over 29 transactions were presented to my account from 3 different companies XXXX- 25 transactions@XXXX XXXX- 2 transactions@XXXX XXXX XXXXo- 1 transaction@XXXX XXXX XXXX XXXX 1 transaction@XXXX ( this is a supermarket that is not open at XXXX am ) totaling : {$2400.00} Money was moved from my savings account. This is money that took me years to save for my family. Hard earned money that while I slept someone took and used at their leisure. Who makes this many transactions starting at XXXX.? 
The phone number on my account was changed to XXXX as per an email I received from CHIME @ XXXX. 
This is not my phone number My account was also assessed in South Carolina @ XXXX and then again in XXXX XXXX XXXX on the same day Emails I received on my account from CHIME is attached showing all the different changes made to my account, on XX/XX/XXXX that I never authorized.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CO)

I did not request a debit card from U.S. Bank ReliaCard. I want these mailings to stop. Anyone could have stolen my mail, and used it to commit fraud in my name. I deeply resent these kinds of mailings. Can't you do something to stop them? Please!
Consumer complaint received 2024-02-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (NC)

The contract was originally owned by USAuto who was forced to close all dealerships due to illegal transaction. As a result of this we decided to return the car but Westlake then began contacting us for payment. Westlake was informed that we did not wish to continue in a unlawful contract and was told to recover the car. Westlake recovered the car approximately around XXXX or XXXX. They sent a letter stating that the car would be auctioned and to contact them for location/date/time and stated we would be notified of deficiency. Westlake sold the car in or about XXXX and did not send defocoency information but when I called they say the amount was chared off for $ @ XXXX, XXXX approxiamately. However they never gave me deficiency for the sale of the vehicle and continue to report to my credit burearu that I owe the full amount when te record shows the car sold at auction for fair less than the price Westlake was seereking from us. As a matter of fact we were being charged the original MSRP of the car when it was brand new in XXXX. Not only is Westlake making false reports to the credit burearu they along with USAuto was taking advantage of customers by selling vehicles that were far over the ir value
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (TX)

Do not recall the date Wells Fargo Credit Card was issued or the exact date the Account was closed, but Debt was discharged XX/XX/XXXX via my Bankruptcy ( Sole ). Upon waiting the required 2 years to seek a Home Loan ( Jointly ), the financial institution alerted us of the negative activity on my Wife 's Credit Reporting History. The collection amount detailed was {$4600.00} that was past due. My Wife never received any notice of collection from Wells Fargo. Upon contacting Wells Fargo in XX/XX/XXXX, it was explained that my Wife never filed or requested a Credit Card from Wells Fargo individually, Jointly or as a Co-Applicant. The first Representative of Wells Fargo I spoke with confirmed that my Credit Card Account was closed and discharged via my Bankruptcy, but the Representative indicated that my Wife 's Debt was also discharge via my Bankruptcy because of our residency in Texas, which is I was told is a Community Property State and that when I discharge my debts via Bankruptcy the Joint Account with Wells Fargo was also Discharged. However, I explained that I do not recall or remember requesting Credit or Credit Card for my Wife. An official Dispute was  filed in XX/XX/XXXX and explained the aforementioned information. I was told the investigation would take 30 days and a decision would mailed. Till this date ( XX/XX/XXXX ) no written response has been received and despite multiple attempts by telephone I have not received a decision or a course of action from Wells Fargo.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (GA)

I received a letter in the mail that Suntrust was going to close my account because I had to sign a form. I received the letter on XX/XX/XXXX. They said they were going to close the account on XX/XX/XXXX if I did not sign the form. 

I called the number on the letter and they said I had to go to the branch to sign the form I wen to the brach on XX/XX/XXXX and they ( XXXX XXXX XXXX XXXX XXXX ) told me that I had already signed the form. 

She said to call the branches business banker - I did and he never returned the call. 

A few days later XXXX said I needed then come back and sign the form so I did. 
A few days after that she called and said they were closing my account. 

She said that she had sent in the form I signed but my account was still going to be closed because the other dept ( Consumer OPS Risk Admin ) says I didn't sign the form. 

She says she knows I signed the form and that she sent in the form and that she doesn't know what else to do. 

. None of this makes any sense.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.
Consumer complaint received 2020-06-20
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: Westlake Services, LLC (VA)

I've lived in XXXX, Virginia for 26 years I pulled my credit with a mortgage lender and some one is using my credit through WESTGATE FINANCIAL SERVICES I called them and they said they are able to see the account information but the name and social security number do not match what they have on file so they could not provide me with any information. I currently do not have have any auto loans and want to know how this institution is able to report on my credit and why they wont help prove who is using my credit. Or provide a letter stating my name and social do not match the account they have on file.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FULTON FINANCIAL CORPORATION (MD)

On XXXX XXXX, Fulton bank closed my about XXXX XXXX XXXX checking account and held {$340.00} in my account without noticing me. They might contact me by my old phone number. I don't know. 

Then I called them for my {$340.00} several times. XXXX told me XXXX XXXX closed my account and left no information to XXXX. XXXX tried to reach her many times. She was not at her desk. On XXXX XXXX, I called again. XXXX gave me her number XXXX I called her.. no one answers. This is kind of fraud by a bank.
Consumer complaint received 2023-08-05
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. (TN)

This is the several times I've complained about being a victim of identity theft. You must remove/block any Items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-28
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)

I am a victim of identity theft, and my personal information was compromised in the Equifax data breach. As a result, my credit reports contain numerous inaccuracies, including : Incorrect Names : My credit report lists names that I have never used, which do not belong to me. 

Inaccurate Addresses : My credit report includes addresses where I have never lived. 

Unauthorized Accounts : There are accounts listed on my credit report that I did not open and do not recognize. 

Unauthorized Inquiries : My credit report contains inquiries from companies with whom I have never applied for credit. 

These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : Violation of FCRA Section 605 ( a ) [ 15 U.S.C. 1681c ( a ) ] : This section prohibits credit reporting agencies from reporting inaccurate or outdated information. The presence of incorrect names, addresses, unauthorized accounts, and inquiries on my credit report is a direct violation of this provision.

Violation of FCRA Section 611 [ 15 U.S.C. 1681i ] : This section requires credit reporting agencies to investigate and correct inaccurate information when a consumer disputes the accuracy of information on their credit report. The failure to remove these inaccuracies after my disputes were raised is a violation of this section. 

Violation of FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : This section imposes a duty on furnishers of information ( like creditors ) to provide accurate information to credit reporting agencies and to correct and update information when they know or have reason to believe it is inaccurate. The continued reporting of unauthorized accounts and inquiries violates this section. 

The continued reporting of this inaccurate information is causing significant harm to my creditworthiness.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX XX/XX/2020my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2020-06-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$4700.00}, {$5500.00}, {$1200.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX  XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, INNOVIS, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX  XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2020-10-22
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: I.C. System, Inc. (TX)

To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA continues to report late payments on a charged off account Ive disputed both the late payments post charge off and the date of last activity I believe this account to be XXXX past delinquent and should be removed XXXX states this is responsibility of USAA