davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I opened my checking account with Citibank using my current phone number and email about 2 months ago. Within a week I used XXXX ( a program given to me through their website ) and they marked it as fraud, froze my account. I have called them at least 6 times, told them my social, DOB, security word, card number, pin answered all of the security questions and they still will not unlock my account. I went there with my social, birth certificate and drivers license and they still will not unlock it. They sent me a code that I have to retrieve but they sent it to an old address I have no access to anymore and that took 7-10 days. When I told them I didnt get the code, they told me they would send another and it would take another 7-10 days to receive. They also sent this to my old address. They have held my money from me for almost 2 months and keep me on a revolving cycle of sending me another code to an address I dont have. I didnt even have the address when I set the account up. They are picking random old addresses of mine to send this code too. I asked them to close the account, they told me no because its frozen. I asked them of another way to verify y account and their only answer is theyll send another letter. 

I have late fees on bills because of this. They are holding my money XXXX and then paying themselves a fee each month for holding it.
Consumer complaint received 2024-11-06
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)

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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2024-11-07
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (CA)

I had cable in XXXX paid bill XXXX XXXX but XXXX resource group contacted me XXXX telling me we bought your debit that wasn't paid,. I explained that I had paid my bill and to send me paperwork saying I didn't. Which never happened. Now it's XXXX and every year since they say they had my account they change the date on the debit to make it seem like it is a new account. Called and talk to the credit brueal and reported the wrong doing but nothing happened. So I am making this complaint hoping I could get help. Because what they are doing is illegal. The amount is {$130.00} that they change the date to reflect a new open account not fare.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number:XXXX
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, This letter is a formal demand regarding the harmful and false information reported by TransUnion XXXX XXXX XXXX ( TURSS ), which directly caused my recent rental denial. The information provided in your screening report is unauthorized, inaccurate, and detrimental to my well-being. 

I have no contract with XXXX XXXX XXXX XXXX XXXX, nor have they provided any verifiable proof of legitimacy for the information they supplied. Yet, this unsubstantiated data has been used to deny me housing, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I know you can care less about this because it isnt happening to you, but your failure to maintain accurate reporting is endangering my financial stability and personal safety. This denial is not just an inconvenienceit is jeopardizing my ability to secure a home and build my future. 

Let me be clear : You must immediately retract the information provided by TURSS that led to this rental denial. 
Remove all references to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from my report. 
Provide written confirmation of these actions within 24 hours. 

Failure to address this matter promptly will leave me with no choice but to pursue legal action. I will hold both TransUnion and any involved parties accountable for the harm caused by this negligence. 

This is your final warning. You have 24 hours to resolve this matter and provide proof of compliance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Subject : Illegal Credit Report Inquiry by [ USAA XXXX ] FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ USAA XXXX ] for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On [ starting XXXX every single month till the last pull on XXXX ], USAA XXXX ] performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with [ USAA XXXX ] that would justify this inquiry. This unauthorized credit pull has negatively affected my credit score and caused undue stress. As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. Please investigate this violation of my consumer rights and take action against [ USAA XXXX ] to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. Thank you for your attention to this matter, and I look forward to your timely response. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Thursday I went to branch on XXXX XXXX XXXX to deposit a check from my family 's trust fund. The check was distributed by XXXX XXXX  however I had just opened my account days prior with Wells Fargo. I knew it could possibly be a complex issue with my out of state drivers license, it being a new account and the amount I understood what the process would be. When I went to teller I explained to her the situation and the amount of the check. I explained to her that I wanted to DEPOSIT it in my account. I told her I knew the process of holding the check to verify it and I am okay with that, whatever the time limit would be is fine. She ran my check thru the machine and stated they needed to call to verify it. I told her that was totally fine. The manager comes out to look at the check. Im explaining to her the same thing and she barely engaged with me, she wasnt welcoming at all. I had the feeling of discrimination. However I went against my gut. I waited for over 15 mins just to be told no one is picking up and they can not deposit my check. Im thinking the time of day maybe the verification team is on lunch. I came the next day right when they opened thinking its early and someone will answer when they call to verify it. Again the same teller that helped me the day prior said they would have to call to verify it Im like thats fine. She goes in the back 10 mins later she tells me no one is picking up. Im like really. I tried two other branches the XXXX XXXX XXXX by the XXXX XXXX and the one off XXXX XXXX in XXXX. I was treated the same I feel the manager at the XXXX XXXX branch flagged my account about the check I was trying to deposit. Yes I understand its a new account with no activity as well as the DL and the amount. However my account is open I have a legit DL and the check is legit. So why did yall make it so impossible to DEPOSIT a check that was written out to ME with my account in my name and hold the check until its verified?? Its fine though I got it handled. XXXX XXXX  on XXXX XXXX help me open an account and had absolutely no problem depositing my check. Ive closed my account this is the worst service ever. There are other reviews about discrimination from this particular branch. Legal action
Consumer complaint received 2024-11-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (OH)

Never received info from XXXX though they say it was sent usps  non certified in XXXX per XXXX XXXX This account last spoke w XXXX  was closed and no bill due as of XX/XX/XXXX after they misplaced equipment. After asking for phone conversation info ( XXXX  ) Friday then figured out they were incompetent and sent me an email stating this account was updated and credited. Called XXXX and XXXX to find out how a company can give fraudulent information that is so impactful without prudent checks in place. They both stated it is up to the consumer to find the accurate data and dispute the fraudulent data.these are not consumer agency as they get paid for data true or fraud.
Consumer complaint received 2018-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2024-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Accounts Service (CA)

Good day, I cant begin to express how exhausting and distressing this situation has been. One day, I check my credit report only to find a debt I know nothing aboutcompletely unverified and absolutely not mine. To make matters worse, Ive been bombarded with relentless harassment through multiple communication platforms, employing various tactics. I never imagined Id be facing threats of legal action over breakfast. As a law-abiding citizen, this entire ordeal is deeply insulting. My rights as a consumer are being blatantly ignored, and the emotional toll is overwhelming. It has severely impacted my mental health, and Ive endured sleepless nights as a result.
Consumer complaint received 2018-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM A VICTIM OF IDENTITY THEFT WITH A POLICE REPORT SUBMITTED TO THE 3 CREDIT REPORTING AGENCIES XXXX XXXX AND TRANSUNION WITH FRAUDULENT ITEMS, LATENESSES, AND INQUIRIES THAT ARE NOT MINE THAT I CIRCLED AND SUBMITTED MY ID, FCRA SECTION 605B, CREDIT REPORT WITH CIRCLED FRAUDULENT ITEMS PLUS THE LATENESSES CAUSED FROM THESE FRAUDULENT ITEMS, NUMEROUS TIMES IN THE PAST SIX MONTHS MORE THEN ENOUGH TIME TO HAVE THOSE CIRCLED ITEMS REMOVED AND THE BUREAUS LISTED ABOVE REFUSE TO REMOVE THEM AS THEY ARE DIRECTED BY LAW. FUTHERMORE XXXX ADDED ITEMS RECENTLY AS THIS MONTH OF ITEMS THAT WAS BLOCKED FROM MY ACCOUNT ITEMS LIKE XXXX, AND XXXX XXXX XXXX XXXX, AND IGNORED THE LAW AND PUT THEM BACK ON MY CREDIT REPORT AFTER THOSE ITEMS WERE BLOCKED BECAUSE OF FRAUDULENT ITEMS IN THERE LETTER TO ME LAST XX/XX/XXXX. THEY RE-INSERTED IT ON MY FILE THIS MONTH.THESE COMPANIES REFUSE TO FOLLOW THE LAW PUT FORTH BY THE FCRA AND I WANT THEM HELD LIABLE AS TO WIT I HAVE BEEN NOT ABLE TO AQUIRE NEW CREDIT OR LOANS ON MY OWN BY THE NEGLIGENCE BY THE BUREAUS, I WILL BE FILING A LAWSUIT IF ALL THESE ITEMS CIRCLED IN MY CREDIT REPORT ARE NOT REMOVED IMMEDIATELY. I WILL FILE A FTC REPORT EVERYDAY UNTIL THEY ARE REMOVED.
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica (TX)

I have been charge 11 overdraft by Comerica bank, they manipulate the transaction in a way that this happens. They show me on the app that I have the money I spentwith my card and the next day they show their charges as they were charge into my account the day before I spend my money that showed me available. I know I am responsable for the ones that cause me two overdraft but not for all the other ones they are charging me. It just does not have any sense me causing me 6 other overdraft for XXXX-18 -XXXX dlares that a spent when in my account said they were available and they dont understand that all they said is that is not bank error. I have tried to talk on the phone with people I went to my branch manager and they dont even try to listen or understand that just because Im therir sistem shows no error. They even charge you overdraft if an overdraft causes another overdraft and it goes on an on if you dont have the money. Is not fair!!
Consumer complaint received 2018-08-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nations Recovery Center (KY)

I was contacted by Nations Recovery, trying to collect on a debt that they said was taken out with XXXX. The loan would have to be at least 15 years old, since XXXX closed their office in the town i live in at least 15 years ago. This debt has not been on my credit report for at least 5 years, which is when i started using the XXXX XXXX app. I don't have any documentation showing when the loan was taken out, and feel like it is outside the statute of limitations for Kentucky.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc. (MS)

My mom and I got furniture for her apartment last year and she was paying the bill until she lost her job XX/XX/2017 which left all her medical expenses on me since she was declared disabled by her physician. ... .I informed them that payments would be hard for me to make I have tried doing partial payments and post dated check even put myself in overdraft to pay them but they have been very harassing won't take the payments I have tried to make and have been showing up to my house threatening me and my mom about the furniture they have called me 27 times in one day back to back and now that I'm behind on payments they have now put it on my credit report which it wasn't suppose to be they just started reporting this almost 3 months ago but never reported before when the account is almost 2 yrs old I have had a account that was paid in full but was never placed on my credit
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018, Capital One restricted Access to my 360 Account and sent me an email informing me of this. The funds that are in the account are not accessible and I am not able to talk to a person, because the number I have been given to call is sent straight to voicemail. There has not been fraud on the account and no one has commited an illegal act. I do not understand the reason as to why my money is indefinately on hold,
Consumer complaint received 2018-05-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

Wanted to do a cash out refinance with Freedom Mortgage talked with XXXX XXXX and he wanted to pay off all my credit cards and other loans.All I wanted to do was get money to replace all my windows in the house as they were old and needed replacing. He said I would need a VA appraisal, Termite letter. and water well test. This I had done. Then He wanted to do a 15 year mortgage at twice what I was paying plus I would need to pay points to get close to what my rate was. I have a 3.625 % rate now he would get me a 3.865 % rate. by now I have spent nearly {$3200.00}. He received the VA appraisal and said I needed to do some repairs on the house nearly {$20000.00}. I said I was XXXX XXXX XXXX ( XXXX  XXXX ) and on a fixed income and could not do the repairs. He said what if I found a company that would do the repairs and pay after closing. I said that would be great. I never heard back about the repair work and two day later I received a e-mail that if the repairs were not done by the XX/XX/XXXX of this month they would withdraw the finance offer.Now I have lost {$440.00} VA appraisal fee, A {$2500.00} fee for a no termite 's found letter and re exterminate for no termite 's. and {$160.00} water test. And Freedom is my regular mortgage lender 5 years.
Consumer complaint received 2018-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC (AL)

I spent several weeks talking to XXXX XXXX, my loan finance officer at Bankers Healthcare Group ( BHG ), about a loan in the amount of {$850000.00}. After many discussions, he was finally able to come up with a loan terms that I was okay with, so on XX/XX/XXXX, I was asked to sign the loan documents. I was told that upon signing the documents that the loan would be funded in 72 hours. I did indeed sign the documents ; however, several days went by, and instead of being funded, I received a phone call from a lady that I had never spoken to, and she told me that they needed 1-2 weeks to fund the loan because they had to ensure that the property that they were holding as collateral had clear title. XXXX informed me that this call was a mistake and ensured me the loan would fund. After a week of XXXX ignoring phone calls, voicemails, text messages, and emails, he tells me that he has been out of the office due to personal issues, and that yes, the loan was pending title search. Since I had recently purchased the property via foreclosure, my foreclosure attorney was kind enough to not only email his title work to BHG, but also speak with XXXX on the phone on XX/XX/XXXX to let him know that the land had no liens against it other than the first lien, which I was going to use the proceeds of this loan to pay off. XXXX texted me on the evening of XX/XX/XXXX to tell me that the loan was finally clear to fund, and that I would receive my recorded phone call on Friday, XX/XX/XXXX. After that call, the loan would fund. It is now XX/XX/XXXX, and not only have I not heard one word about my loan, but once again XXXX is refusing to return my text messages or phone calls. The lien that I am paying off is a hard money note with interest of right at $ XXXX/day, so XXXX was well aware at the beginning of our talk that the loan needed to fund fast so that I could pay off the hard money loan. This delay of now 20 days has cost me thousands of dollars, and I am demanding an explanation because this is simply unacceptable!