davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IA)

Payments recieved by Citibank on XX/XX/2018 and proof was provided to Citibank per their request the card was paid {$150.00} on the above date They have failed to resolve this as promised removed temporarily payment For this and are charging late fees and interest like a domino effect We have closed the account and Filed a dispute with the bank that provided the payment to Citibank. This is Pending
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (CA)

XXXX XXXX reported that I owe {$1300.00} to an account that was fraudulantly opened with my social security number on XX/XX/2022. They turned it into a collection agency called XXXX XXXX XXXX and reported it to XXXX in XX/XX/2022. I noticed it on my credit report XX/XX/2022 and contacted XXXX XXXX XXXX at that time, along with XXXX. XXXX told me that I would have to go through the credit collection agency at thay time. A fraudulent address showed up on my credit report when I looked at it yesterday, XX/XX/2022. It is XXXX XXXX XXXX, XXXX, CA. I have lived at XXXX XXXX XXXX XXXX for 6 months and XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( 17 years ) prior to that. Please help me get this off of my credit and close the account with XXXX XXXX. I have since frozen all XXXX accounts ( XXXX, XXXX and XXXX ). I am applying for a mortgage at this time so time is of the essence for me to get this resolved. Thank you ps-I also attached a coupe of utility bills of proof that I live at XXXX XXXX XXXX XXXX XXXX XXXX, CA. I work for XXXX XXXX XXXX XXXX and do not live in XXXX, CA.
Consumer complaint received 2017-04-24
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: Fidelity National Information Services, Inc. (FNIS) (GA)

ChexSystems is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted ChexSystems before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , AL  XXXX  Reported Name  XXXX   XXXX  Reported Address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

IQ Data International, INC     XXXX   XXXX     XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX  Reported to my credit negatively last on  XXXX / XXXX /  XXXX  . The alleged debt was originally for  XXXX  and now the debt is  XXXX . I do not own this debt. This debt belong to my ex spouse that was in the military and discharged and labeled unable to   XXXX   due to  XXXX . I had to sign the lease because I was over the age of  XXXX  and they needed to run a background check. I had NO income which was clearly marked on the application. I have requested the debt be removed from my credit report permanently and null and void. I do NOT own this debt. They have not removed this debt nor acknowledge the true ownership of this debt. I do not own a valid contract as a co-signer on this application or debt.
Consumer complaint received 2024-10-29
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. (CA)

I'm concerned about an unfamiliar inquiry appearing on my credit report. I didnt authorize or give permission for this company to access my information nor have applied to them, and Im trying to understand how and why it happened. This situation is causing me significant stress and XXXX.
Consumer complaint received 2021-10-19
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Late/Closed DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} ChargeOff XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

On XX/XX/2019 I received a Notice of Servicing Transfer from my current loan servicer, XXXX XXXX XXXX XXXX LoanCare , LLC. The notice said the loan servicing was being transferred from XXXX XXXX XXXX c/o LoanCare , LLC to XXXX XXXX XXXX XXXX LoanCare , LLC. This did not make sense, but I assumed it was an internal restructuring and that my loan would not be affected. 

On XX/XX/2019, I received an email notification that my mortgage payment had been received. This notice came from XXXX. I've never heard of this company. Their website indicates they are XXXX XXXX XXXX XXXX XXXX and that they are a loan servicing company. 

On XX/XX/2019 I called LoanCare to inquire. LoanCare maintains they are my loan servicer.

12 USC Section 2605 ( b ) requires a prior notice of a transfer of loan servicing. To the extent my loan has been transferred, I have not received the required notice. This is a violation of federal law. 

More importantly, I'm not sure that my loan, financial information, and banking information is secure. I've had problems with LoanCare previously in that they are reckless with the release of my financial information and do not take securing financial information seriously. I now fear they have released my financial information and allowed some third party to access my account. 

What is clear is LoanCare did not give notice as required by law, that XXXX withdrew money from my account without my consent or knowledge, and that some confusion remains between LoanCare and XXXX as to which of these entities is the loan servicer. 

Will you take some action?
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.
Consumer complaint received 2022-07-18
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. (IL)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID 's THEFT REPORT # XXXX, XXXX, XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-24
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (TX)

I am a scam and Identity theft victim. In   XXXX   XXXX      two pe ople scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the    XXXX   county DA office . There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX .     There are  six people that I know who have filed police reports on these two an d we are all working together toward getting justice. Now, I have disputed the charges on  XXXX  /Wells Fargo NA..  THESE CHARGES ARE FRAUDULENT.     I request a copy of the investigation because I know the charges are fraudulent and there were several charges for phone service that I want to know who these belonged to. I could not get the information from   XXXX   XXXX   XXXX   and   XXXX   since I did not have the account number they would not provide it to me nor would  XXXX /Wells  Fargo. Plus all th e other charges.     I was refused this information which violates my rights.     Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since   XXXX   XXXX    . ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. Its time to come to terms with this.     The credit bureaus have removed the accounts. Now I request that  XXXX  /  Wells Fargo NA remo ve all fraudulent charges.     I am providing some additional information.     Check out the facebook  page. Scroll down  all the way down.   XXXX   XXXX   XXXX   They boost about money and only criminals do this.     I have provided some pictures of the scammer and they bragging.     I just want it all to go away. I DID NOT MAKE THESE CHARGES, And  Wells Fargo knows this.      PS : I can provide witnesses and their police report upon request.
Consumer complaint received 2024-10-28
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-07-18
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. (MD)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX : {$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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-06-03
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. (FL)

The XXXX XXXX stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I submitted a dispute letter to the 3 Credit bureaus recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on XXXX XXXX XXXX  account. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXX XXXX  XXXX Late Dates XXXX
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 3. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 5. Identity Theft XXXX Account Number : XXXX Delete this account. 6. Identity Theft XXXX Account Number : XXXX Delete this account. 7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 8. Identity Theft XXXX  Account Number : XXXX Delete this account. 9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 11. Identity Theft XXXX Account Number : XXXX Delete this account. 12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 13. Identity Theft XXXX Account Number : XXXX Delete this account. 14. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

I was shocked when reviewing my credit report and found a late payment on XX/XX/2020, I am not sure how this happened. I believed I made my payments to you when I received the statements. My only thought is that the statement did not get to me.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I 've applied for mortgage with EverBank on   XXXX    despite providing all the required information on time, the underwriting failed to close the loan on time  (   XXXX / XXXX /  XXXX   ), resulting in additional and unnecessary financial burden.
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I was first called in the name of XXXX  state police department and then from customs and boarder protection from the same contact numbers that were on the XXXX and said that there are illegal transactions and drugs smuggling on my name and made me transfer to an account saying that the account is from the government and the money will be returned after a new ssn and passport number is given to me. Even though i realised that it id a scam. I still have them on calls pretending that i still believe them. 
Please contact me as soon as possible before i loose contact from the fraudsters.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

IN  XXXX  OF   XXXX   I REFINANCED LOAN NUMBER  XXXX  WIT H WELLS FARGO TO A  NEW LOAN WHICH WAS SUBSUMED BY  XXXX   XXXX   XXXX . I RECENTLY SOLD THE HOME  BUYT WELLS FARGO ERRONEOUSLY CONTINUED REPORTING THAT THE HOME WAS STILL IN DEBTED TO THIS LOAN ( WHICH THEY ULTIMATELY PROVIDED A LETTER STATING THAT IT WAS NOT ). HOWEVER THEY CHARGED A {$1500.00} FEE ON THE DAY OF THE CLOSING IN ORDER TO RELEASE A WRITTEN DOCUMENT WHICH WAS REQUIRED TO SHOW THAT THEY HAD MADE A MISTAKE AND THE LOAN HAD BEEN SATISFIED. IT SEEMS CRAZY THAR I HAD TO PAY {$1500.00} FOR THEM TO WRITE A ONE PAGE LETTER CORRE CTING THEIR MISTAKE.
Consumer complaint received 2019-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

Borrowed student loan funding from Navient back in XX/XX/XXXX for my sons pursuit of a degree from XXXX XXXX  University. I believe Navient placed me in a risky and expensive subprime loan. The loan doubled in principle as I experienced hardship in the economic downturn in XXXX. I was lead by Navient to multiple forbearances that incresed to overall cost of their loan, instead of telling borrowers who did finally obtain repayment plans costly and un-affordable increases to their payments. In the end, I have been forced to repay far more debt than actually owed.