davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NJ)

I have been trying to get my equifax credit report for some time now. everytime I try to get it I get told to call in to verfiy my identity. This happened tonight and I called into verify my identity and the woman on the phone was extremely rude and HUNG UP ON ME and would not give me my report or scores. I URGE equifax to listen to this taped call as she was rude as can be and did not transfer me as requested. She would not help me and claimed she could n't get my report nor find someone to help me. Now a few years ago EQUIFAX MIXED UP MY IDENTITY AND CREDIT REPORT with a woman in XXXX. I am in XXXX. I had to escalate to their executive team to get help and I fear this needs to occur again as I think they mixed up my identity again. Before I file a police report and law suit I need equifax to give me the report on file for me. I called, email, and try the website and no one will help me. Please FIX THIS.
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This is my third submission in regard to Capital One bank. I have asked to receive a lower APR on my credit card because it is XXXX to 21.00 %. I spoke with XXXX XXXX the second time about lowering my APR. She told me that she could not lower my APR at this time because I had a returned payment from my bank. I explained to her that my percentage of paying my credit card is 91 % and sometimes I pay XXXX a month because of how high the balance is. I explained to her that I did not apply for a capital one credit card and that it is unfair for Capital One to keep the APR from XXXX from which the account was sold. XXXX XXXX said that this does not matter. She then keeps sending me this letter my personal protection account as if they are going to pay my bill for me. I told her that I do not have a problem with the personal protection account but that is not the only element that is making the payments ridiculously high and the APR!! She continues to send the personal protection letter as if they are an option for me to help pay my bill. I am not unemployed nor do I fit the criteria to receive this benefit. I am able to work and wish that she would stop sending me this letter to try to commit fraudelent claims to Personal Account Protection!!! I can pay my bill I just would like the APR lowered to a reasonable percentage.
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I noticed a fraudulent charge on my checking account with Capital One Bank. I ccalled and was told to come in and close the account. The account had a XXXX babalance and nothing pending. I closed the account. The banker cut the cardI have the paper where the account was closed. Now I am getting letters from CCapital one with NSF charges on the account after it was closed. I called thebank several times and was told that it is being taken care of. Now the feesare up to XXXX dollars. I spoke with a supervisor and she stated thatit was their mistake and for me to come in and close the account. 
I do n't want to do that because I already closed the account. Now she wantme to pay the fees and then close the account
Consumer complaint received 2016-01-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (WA)

A debt collector called my boyfriend telling him to have me call them. 

The contact information given was XXXX XXXX at XXXX ext. # XXXX. I was instructed to call by XXXX.
Consumer complaint received 2015-12-15
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SYNCHRONY FINANCIAL (KS)

After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling XXXX, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!
Consumer complaint received 2015-12-15
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: KEYCORP (OH)

I bought a house in XXXX XXXX, 2014. We extensively remodeled it and now are trying to refinance to repay the original lender, as I indicated to him I would repay the loan after we were done. 
I recently discovered, that there was an additional mortgage on the house, filed at the courthouse on XXXX XXXX, 2014, just a couple of workdays before the closing, by KeyBank of XXXX. NOTE THE PRIOR OWNERS RECEIVED THAT {$50000.00} lLOAN PROCEEDS PLUS OUR FULL PRICE WE PAID FOR THE HOUSE. 
I do not understand how KeyBank could have got their loan through underwriting without noting the home was for sale. It was listed in the XXXX for sale ( pending ) when the mortgage was dated ( XXXX XXXX, 2014 ). KeyBank will not talk to me about any of this due to " privacy concerns '' even though this is stopping my ability to finance the house. 
How is this possible? You list your house for sale, the bank knows it or should know it, they loan {$50000.00} against it, put a mortgage on it, and wo n't work with the new property owners to work through it? 
Why is everybody at KeyBank so concerned about their customers privacy but unwilling to discuss the lien on my house that should be removed? 
Today, they even refused to give me the contact information for their mortgage or title departments so I could just give that info to my new mortgagor. ( which I am afraid they are going to deny the loan because the processor told me " it sounds shady ''. ) I am wondering what Key Bank may have done wrong that they might not want to admit to me becasue it is causing me to lose money and sleep. 
Did they violate their own underwriting requirements? 
Did they cross any other lines they should not have? 
Should they have acted more quickly when they became aware of the situation? 
And finally, why no obligation to me?
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Common Wealth Mortgage Services (NM)

My mortgage company of 11years has in the last two years failed to provide the credit reporting agencies with accurate information. In fact rather not send any info at all. I have confronted them about this. I have been given a bill of goods by their reps including someone who claims to be the vice president of the XXXX office. She has sent several emails claiming an attempt to resolve the issue when I have learned thru talking directly to XXXX and the other credit report agencies, she has lied. This has become a standard for them. Send out excuses, deflect and deny any responsibility. In the past two years, a merger, or take over of the original mortgage company has occurred. 
After several months of being lied to by these individuals, I contacted the State 's Attorney General 's Office in XXXX, they agreed to look into this matter solely based on the fact that several other customers have made the same complaint against my mortgage company. My patience has run out and I need someone to force the compliance and laws governing this lender. The States Attorney Generals office of New Mexico is continuing to investigate this but I fear in talking to them, it wont be enough.
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. (TX)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2015-12-18
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (WA)

I have a mortgage with XXXX ( XXXX XXXX XXXX ). I wanted to pay on line so they transferred me to Western Union Speed Pay on the web. I put in all my information, and submitted it. After that, I realized that I may have left off a digit in the bank routing code, but there was no way I could tell as the pop-up screen was gone. I would like Western Union Speed Pay to send a confirmation or problem report to the email address I provide, it would make life simpler.
Consumer complaint received 2016-02-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: JH Portfolio Debt Equities, LLC (LA)

On XX/XX/XXXX I received a letter in the mail from Credit Control , LLC and the letter stated I have an balance due of {$1000.00} from XXXX XXXX XXXX. I contacted the company and asked what type of debt is this and the representative stated this was an XXXX XXXX account and I explained that I do n't have an account with XXXX XXXX but the representative insisted on telling me yes I do have an account and they ca n't sue me because the age of the debt but they can arrest me if its not paid within 30 days from the date of the letter. He could n't tell me when and where it was open but all he kept saying was the amount that was due and when was the last payment on the account which the letter stated XX/XX/XXXX and charged off on XX/XX/XXXX. The representative explained that he will do any and everything to get this debt resolved by any means. I asked what was his full name and may I speak with a supervisor he told me he was the supervisor and there is no one above him that I can talk to. So I explained I will report their company to the XXXX and CFPB. The representative stated that wont help my situation and hung up the phone immediately.
Consumer complaint received 2015-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (NV)

Lexus-Nexus has incorrect personal data. My credit union told me to contact Lexus-Nexus directly. The only option is a telephone system with automated responses. I went through the menu and have waited for XXXX weeks for a response. They have never mailed me or contacted me. Lexus-Nexus has no way to correct their incorrect data!
Consumer complaint received 2015-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (DE)

Debt collector says I owe a phantom bill. XXXX ca n't tell me where bill came from. Bill was nonexistent until XXXX 2014. No one can say when incurred and for what.
Consumer complaint received 2024-10-17
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. (GA)

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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-23
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. (GA)

I am writing to formally dispute a hard inquiry listed on my credit report, which I did not authorize. The inquiry is significantly impacting my credit profile and it was conducted without my consent or knowledge. 

Details of the Inquiry : Date of Inquiry : XX/XX/year> Company Responsible for the Inquiry : XXXX XXXX XXXX I have no relationship with this company, nor did I apply for any services or credit that would require this inquiry. I am concerned that this unauthorized action may be a result of identity theft or an error. 

The presence of this inquiry is negatively affecting my credit score and potentially harming my financial opportunities. I am requesting that this inquiry be investigated and removed from my credit report immediately as it was not authorized.
Consumer complaint received 2015-04-17
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/2015, at around XXXX, I deposited a small payroll check into a Bank of America, ATM near my home. I earned the check, that was deposited into my saving 's account, as a XXXX for a XXXX. The check was issued from a local, reputable, employment agency. I received a printed receipt from the ATM stating that the full amount of the check ( a little over {$200.00} ), was " Available ''. That same evening, around XXXX, I went into my Online Banking and transferred the deposited funds ( Available funds ) into XXXX other accounts I have with Bank of America in order to make payments on credit cards. The next day, XXXX/XXXX/2015, I found that my checking was overdrawn and that a HOLD had been placed on the check. According to the notification showing in my online banking ; A letter had been sent, Via XXXX, stating why the funds were put on hold. Additionally, the letter would state when the funds would be released. As of XX/XX/2015- I have NOT received a letter from Bank of America stating why the funds are on hold, or when the funds will be released. After I complained, via chat ( on XXXX ) and phone on ( XXXX or XXXX ) I did receive an email from the bank on XXXX/XXXX/2015 stating that there was a notice added to my account. When I logged on to my on line banking to read the notice there was a notice. Strange, but the online notice was dated XXXX/XXXX/2015. The notice states the following : A hold was placed on your check ( XXXX ) because check specific information indicates item may be returned. When I checked the notice the XXXX time, on XXXX, I do n't recall seeing a date when the funds would be released. However, it is possible that I am mistaken regarding there being a release date on the letter- and I will check my records to see if I have downloaded the notice prior to today. However, the online notice is an obvious template with a box to add information and I am skeptical that the release date was in the notice the XXXX time I checked. The reason I am skeptical is, that I specifically called a customer service agent to ask for a letter, and the release date of the funds. The agent I spoke with told me, over the phone, that the funds would be available on XXXX. Now the notice, that I have to log in to my account states the date for the funds will be available on XXXX/XXXX/2015. I do n't understand why the bank ca n't tell me whether or not the check is good, and is not able to obtain the funds into the account in 10 days! I work on weekdays during banking hours and have had no answers from Bank of America 's customer service.
Consumer complaint received 2016-02-11
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

how opened XXXX CD 's at the same time. Every year we just let them keep renewing because they were emergency funds. After about 5 years we got a notice from Pa treasury that we may have unclaimed funds. XXXX of the CD 's was turned over to them for lack of activity. Makes no sencse since the other XXXX was not. Now it will take us 3 months or more to get the money with no interest. The bank never notified us but the other CD 's was automatically renewed. When I questioned the bank manager he said that the bank messed up and could not explain what happened. my loss.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 

On XXXX XXXX, 2015 Funding Suit Mortgage reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Equifax to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Equifax with the opportunity to remove the item before it has harmed me any further. I contacted your offices in Georgia and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. Thank you and Happy Holidays.
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

EQUIFAX credit factors considered XXXX old collection accounts, which I have cancelled them properly see attachment, and does not consider the antiquity of credit from XXXX XXXX XXXX 's eight years old. I need to re-evaluate my credit rating.
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX I found accounts that were in collections and inquiries on my report that I did not authorize, had no knowledge of and did not belong to me. I contacted the FTC filled out an Identity theft affidavit and filed a police report. I placed a freeze with each credit bureau and started contacting the fraud department of each creditor. I sent my police report, letter from the police department, proof of identity, FTC affidavit to each creditor and the credit bureaus. XX/XX/XXXX all items were sent again to each credit bureau for all items and inquiries that I was still disputing. Equifax is refusing to remove information from a Creditor XXXX and inquiries stating because it is being validated as mine by the collection agency and the creditors, However when the collection agency XXXX was contacted they stated that they never received anything except the police report from the credit reporting agency. Equfax is allowing a creditor to validate a debt based off of information that was stolen from me, name, dob, ss and previous address that was in my wallet when stolen and information that they are sending to them like my current address.