davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

Experian dose not take off identity theft. I send them driver license, police report, identity theft report. Left off confession of the theft. Along with 2 utilities bills to prove my identity along with the theft. XXXX XXXX XXXX posed as me to open credit cards, banking accounts, auto loans, Florida unemployment, other accounts unknown what they are. On my Experian credit report it shows identity theft. Account name XXXX XXXX  XXXX   credit card. Account number XXXX. {$500.00} over the limit XXXX. XXXX XXXX XXXX XXXX auto loan. Amount {$17000.00}. 2 accounts from XXXX  XXXX XXXX XXXX Account number XXXX amounts {$340.00}. The other account from the same company is XXXX. Amount {$650.00}.
Consumer complaint received 2024-08-24
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. (OH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a business loan with XXXX XXXX on XX/XX/year> that is a collection with a balance of {$47000.00}. There are also several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 report number 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 2021-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (GA)

As always each month, I make a transfer of interest earned on my savings account to my checking account to help me pay my monthly bills. I am a retiree and I am on a fixed income. 

When I entered my account access credentials as usual, I was frozen out of my account at Synchrony Bank and told to call a number at the Bank. 

When I spoke to the customer service agent, and after answering several questions to verify my identity, she verified that the username and password I used to gain access WERE CORRECT! I also told her that every device I used to gain access to my account resulted in the same account blocking result. 

When I asked to have the problem resolved over the phone, she told me no. Her manager, for whom i waited over 35 minutes on the phone, XXXX XXXX also refused to help resolve the problem over the phone. Then his manager, XXXX XXXX, also refused to help me resolve the access problem while I was on the phone. 

Instead I was told I would not have any online access to my account while the bank took 5-7 business days to " investigate the problem. '' Surely, freezing my account without a court order violates one of the many Bank Regs that exist and I am indignant that they can get away with this. 

Please censure this bank, the individuals named above, and demand that they explain in an apology letter to me what happened, how it happened and what needs to occur so that I am not illegitimately denied online access to my funds again.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (TX)

I had an account open with Citibank for a month ( opened in XXXX XXXX, and the account was already connected to brokerages for long term investing as well as my XXXX and XXXX. One day I decided to apply for a credit card in an attempt to consolidate debt, and the consumer report enacted a further investigation into my account resulting in the decision to close my account on XX/XX/XXXX while many transactions were processing. 

No warning or notifications were given to me. No emails, phone calls, texts or any automated messages when trying to sign in. Suddenly my access to my accounts was completely blocked ( I had recently opened a saving account as well ), and I was forced to contact them. I was endlessly referred to other departments and spoken to as if I were an animal. I called numerous times and they refused to tell me why my accounts were blocked, refused to release my funds, and refused to release my bank statements until XX/XX/XXXX after repeated attempts. 

Their decision not only blocked access to half of my liquid assets, but also resulted in transaction reversals and the loss of funds from two separate investment companies and was the largest financial disruption I have ever experienced. XXXX XXXX XXXX were inaccessible in a time of need, and they allowed transfers going into my account after it was supposedly closed but not out. I spoke to representatives who were rude and had no empathy for a father who supports a family on his own. Also, I have been given no precise dates as to when to expect the return of my funds. They have quoted that it could take two months!

The anxiety and the dread this caused me is/was to such an extreme, I would likely spend 20 years taking Citibank to court if needed to in order to get justice. I would very much like assistance. My family needs compensation and their policies must to change so that this absurdity can not repeat. They operate like an illegal XXXX XXXX  or criminal organization and they have the power to financially destroy American families. Their policies must be changed and they need to pay for the suffering they caused me and my family. 

The image attached in the letter received nearly 2 weeks after the decision was made to close my account.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

On XX/XX/XXXX, US Bank responded to my previous complaint ( filed on XX/XX/XXXX ) with numerous false statements and still charged me interest fee ( pages 1 and 4 of attached enclosure ), even though they reversed my late fee. The discrepancies are as follows : -The letter stated that on XX/XX/XXXX, I spoke with a female representative in XXXX XXXX who was professional and reversed the late fee at my request. However, this is a false statement, as a spoke with a male representative named XXXX, who was rude and hung up on me before I could be transferred to a supervisor, who was a female. 
-The late fee was reversed when I contacted the US Bank XXXX XXXX XXXX via XXXX on XX/XX/XXXX and got a call from a representative named XXXX . He reversed the charges on my account. Why would I have contacted the Social Media Team on XX/XX/XXXX and filed a complaint with the CFPB if the person I spoke to on XX/XX/XXXX actually reversed the charges, as I requested? Why would XXXX have called me on XX/XX/XXXX to follow up and tell me that the charges were reversed if they had been reversed prior to our fist conversation? 
-The letter stated that I had not logged into the online banking platform since the statement period closed ( on XX/XX/XXXX ) ( page 5 of attached statement ) .The attached screenshot proves that I did indeed, log in on XX/XX/XXXX to make my payment, as I alleged in my original complaint. The history screenshot also displays the same sites that I logged into to make my payment on XX/XX/XXXX. Therefore, evidencing that this statement in the letter by US Bank is completely false. 

US Bank clearly did not research my complaint adequately and provided further false information in their never ending unfair and deceptive business practices.
Consumer complaint received 2024-09-22
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)

am filing a formal complaint against Equifax Information Services LLC for their violations of the Fair Credit Reporting Act ( FCRA ), specifically their failure to remove fraudulent accounts and unauthorized inquiries from my credit report. Despite notifying Equifax multiple times about identity theft and providing supporting documentation, they have failed to comply with their legal obligations under the FCRA. 

I am a victim of identity theft, and multiple accounts have been fraudulently added to my Equifax credit report. I have never opened these accounts, and they were not authorized by me. Equifax has failed to remove these accounts and unauthorized inquiries despite being notified, in violation of the following FCRA provisions : 15 U.S.C. 1681c-2 : Requires credit reporting agencies to block the reporting of information that the consumer identifies as fraudulent due to identity theft. 
15 U.S.C. 1681i : Requires the credit reporting agency to conduct a reasonable reinvestigation when a dispute is raised regarding the accuracy of information in the consumers file. 
These accounts were added fraudulently, and I demand their removal. Despite providing Equifax with proof of identity theft, including my Identity Theft Report filed with the Federal Trade Commission ( FTC ) and a police report, Equifax has refused to take corrective action. 
Equifaxs failure to block or remove these fraudulent accounts and inquiries from my credit report constitutes a clear violation of their obligations under the FCRA, including : Failure to block fraudulent accounts under 15 U.S.C. 1681c-2. 
Failure to reinvestigate and remove inaccurate information under 15 U.S.C. 1681i.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

COMENITYCB/SMILEGENFIN XXXX XXXX XXXX XXXX, OH XXXX RE : Inaccurate Credit Reporting ( XXXX XXXX XXXX XXXX Account Information : Creditor Name : CCB/SMILEG Account Number : XXXX To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX Account number XXXX is reporting a balance of ( XXXX ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. 


Additionally, I also emphasize that a charge-off account should not be updated month-to-month, as this practice violates the regulations set forth in the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, which requires that the information reported be accurate and updated. In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it was determined that a charge-off account should not be updated monthly, as doing so could lead to inaccurate and harmful information for the consumer, thereby violating their right to a fair and accurate credit report as mandated by law.
Consumer complaint received 2020-09-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC (CA)

On XX/XX/XXXX, I received a letter from the Finex Group, LLC Collection Services regarding a {$2800.00} collection for vehicle towing and storage that took place on XX/XX/XXXX. I called the Finex Group on the evening of XX/XX/XXXX, the customer service representative stated that the vehicle in question was registered to my name. The customer service representative informed me that the Finex Group had  proof the vehicle was registered to my name by the Department of Motor Vehicles ( DMV ). 

I went to the DMV office on XX/XX/XXXX. The DMV stated the vehicle in question was never registered to my name. I called the Finex Group again on XX/XX/XXXX, and informed them that the DMV has no record of the vehicle ever being registered to my name ; therefore, I was not responsible for the fees the Finex Group was attempting to collect. The representative stated they had proof that the vehicle was registered in my name from the DMV. I requested a copy of the document they were using ; the representative informed me that it could take 30 days to send the document and proceeded to hang up on me. 

I received a copy of the proof the Finex Group claimed they had via mail the week of XX/XX/XXXX. The document the Finex Group sent was not a document provided by the DMV. It was an " Notice of Pending Lien Sale for Vehicle Values {$4000.00} or Less '' form filled out by XX/XX/XXXX and was submitted to the DMV in  XXXX  of 2016. This document is not completed by the DMV ;  therefore, the Finex Group is using inaccurate information to collect a debt that I am not responsible for. Attempts to explain this to the Finex Group have been unsuccessful and they are still using the form submitted to the DMV as proof of ownership. This form can be completed by anyone and does not reflect actual DMV record. In this case, the form was completed by XX/XX/XXXX, not the DMV. 

In conclusion, the Finex Group is attempting to collect and report debt I am not responsible for to the credit bureaus which would damage my credit based on inaccurate information. The " proof '' the Finex Group has does not demonstrate that the vehicle in question was ever registered to by name which can only be confirmed by the DMV. The DMV has confirmed that the vehicle was never registered in my name.
Consumer complaint received 2020-09-03
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. (FL)

I submitted a dispute to XXXX, Equifax, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, 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. (DC)

I now have over twenty five hard inquiries on my 3 major bureau credit report. I didn't apply for all of these lines of credit. I applied at three car dealerships. Only they have my applications and authorization signatures. I think that when I started applying, some form of identity theft began and others began to apply to. XXXX XXXX informed me that I may have been exposed to two different data breaches. I wrote XXXX, XXXX and Transunion to get these inquires removed and they are refusing to help. Please assist.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc. (IN)

My wife and I decided to build a house with Pulte and were happy with the overall service until they started to aggressively push their mortgage company on us. We were not provided with a rate until XX/XX/18 when we had a closing date of XX/XX/18. Additionally, our other lender had a much lower rate so we informed Pulte we were going with the other lender. Pulte came back and matched the rate, but the other lender ended up matching the closing cost credits Pulte offered so we informed Pulte we would not be going with Pulte as our lender.

After the back and forth, I had finally told Pulte on XX/XX/18 that we would be going with the other lender. I received several voicemails from the Pulte lender telling me it was a mistake and there was a contingent amount related to sales incentives that would be added to the home price if we didn't use Pulte. This clause was added in the agreement ; however, they did not mention it when purchasing the house and no mention of the {$4100.00} additional " discount '' was related in the price of the house. The lender paid closing way clearly separated from the final price of the home in the billing summary but there is no mention at all of the {$4100.00} being contingent. 

Pulte then sent me a text message on XX/XX/2018 ( 8 days before closing ) telling me the purchase price of the house would be increased by the {$4100.00}. This is so late that the other lending company had of course already finished the loan approval process. Pulte then didn't send a " change order '' until XX/XX/18 which then showed the {$4100.00} as being contingent in the billing summary when it previously was nowhere to be found. 

Pulte has also continued to process my loan and says it will be ready at closing if we choose them even though we told them we will not use them. Furthermore, they repeatedly called my new employer and were aggressive in their dealing with HR as they gave me a call asking if everything was okay. They have been aggressive and sketchy and tried to coerce us into using their lending company.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is involved in fraudulent bank practices again. There was a misunderstanding with the city of XXXX as I opted for installment payments but a legal order was placed on my account, which I got it rectified with the city of XXXX on XX/XX/18 but Wells Fargo charged me a legal order processing fee of {$120.00}. I believe this to be a ripoff. I was never made aware of such a fee and I called to have it reversed and was told that it was in small print on page 46 of a supposed booklet or packet I received when I first signed up. I have had Wells Fargo for years and this is an outright scam. The lady on the phone said she could give me a partial refund but I want a full refund of my {$120.00}. Very dishonest banking practice. I will be closing my account and never banking with Wells Fargo again. I will also notify and warn other users on my social media and family and friends to beware of Wells Fargo.
Consumer complaint received 2018-09-25
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. (NY)

Hello I have 2 items on my credit thats not mines. XXXX XXXX and XXXX  XXXX. and multiple inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX It way too many inquiries to count. I have not applied in a long time.
Consumer complaint received 2018-03-20
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: Resurgent Capital Services L.P. (KS)

XXXX XXXX continues to report inaccurate information on my credit report with XXXX, XXXX and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
Consumer complaint received 2018-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

From XX/XX/XXXX Fall Semester at XXXX university I had a loan with Salle Mae. The loan was approved and I went to school and sat in class. in XX/XX/XXXX my loan was taken back from me mid semester. I was informed by XXXX University  That Salle Mae took back my loan after the financially clear date. I ended up back at home facing extreme loan debt while attempt to restart my education because most of my credits didn't transfer over. 

Salle Mae is missing that particular loan document to which I will need in court against Navient. 

this is a formal complaint against Salle Mae, Navient and XXXX University. 

I am entitled to all documents signed by me and my cosigner. 

I have spent a month attempting to get the correct document from Navient and without this all documents are null and void. 

I signed 4 documents considered loans with Salle Mae 3 approved and one approved anhen unapproved at a later date and pulled from my school XXXX at the time. 

This is a document I will need in all cases against Navient and or Salle Mae. 


Both parties are claiming they can not locate it. 

Please assist as I will need the document as soon as possible.