davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (WV)

Last XXXX i called in USBank and asked for lease payoff on my XXXX XXXX XXXX she gave me the dollar anmount i paid in full. Come this XXXX or XXXX i get letters from USBank saying i owe, i call in and they say its personal property tax and I DO NOT owe that until lease end. Ok i call in again after getting late dues for payments missed they can not explain anything and now i owe late fees. I say whats the ammount to keep me out of collections as the lease is in the last month and i planned to turn it in and use the positive equity on it to pay off any remaining dues. I pay the ammount said and guess what. Now im in collections. There is many problems here. Please help!
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximately ten days later due to my credit report.  XXXX  pulled up my   XXXX   credit report. Both  XXXX   XXXX  and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX   XXXX  has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX    XXXX   advisory removed. Each customer service representative said that I had to contact   XXXX    and that  XXXX  would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.
Consumer complaint received 2020-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MI)

Addendum to.complaint XXXX I received call from executive cust service office XXXX. She.verified I could.close and.cash.out.my account.on fri.XXXX. We agreed on a bank office but i later realiZed it was 80milea away per XXXX so i called.to change to XXXX mi.office. i called ahead and the manager stated she had.been notified to close the account.but that could not.happen for theee days. Of course XXXX is a bank holiday so 4 more days in addition to the three already.with absolutely no funds. I called XXXX back and she was not available i spoke to a male manager who stated i would not.be able.to close for atleast 3 daya.and would receive a cashier 's check within 10 days.of that.time. i told.him i have no use for.a.casbier check i wanted cash.and i could.not go another 14days.without.funds. i opened this account.with.XXXX cash and.i am leaving with cash. Well nothing.was done i deove.30minutes to the.branch and was transferred to multiple offices and everyone had a.different story. We are getting a foot of snow.i have livestock as.mentioned before. I need to feed them. And I need to fuel.my.truck. this has.caused.me.great hardship. Financial.freedom is an illusion in this.country.
Consumer complaint received 2020-01-18
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. (CA)

I discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/20 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything from these accounts such as money, goods, services or any other benefit from these accounts that were opened without my consent ; I never made any payments or purchases with these accounts and I have already filed a police report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2019-04-04
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: The CBE Group, Inc. (GA)

On XX/XX/XXXX and XXXX, 2019 a company by the name " The CBE Group '' just popped up on my XXXX, XXXX, and XXXX credit report file. The original debtor is XXXX XXXX XXXX! This account does not belong to me, as all my bills have always been in my husband 's name. When I try to contact the CBE group, my calls are not be accepted, their recording says their too busy to take my call. I have filed a dispute with XXXX and XXXX.
Consumer complaint received 2020-01-18
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.C. System, Inc. (IL)

The company listed below has placed a negative rating on my credit report regarding this account stating that this account was sent to collections in XX/XX/2018. I have not had XXXX XXXX service in over 7-8 years. I am not responsible for the amount of {$1000.00}. I want this credit line deleted from the records all three ( 3 ) of the major credit reporting agencies ( XXXX, XXXX, and XXXX  ) I C SYSTEMS COLLECTIONS # : XXXX**** XXXX XXXX XXXX XXXX  XXXX , MN XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In light of XXXX and XXXX response to my complaint through CFPB, 60 days is not an option. Theyve been receiving challenges and notices since XXXX or XXXX of this year and also had disputes they disregarded last year. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes WITHIN 30 days of receiving a consumer 's dispute notice. They must complete the investigation, inform the consumer of the results, and provide a summary of their findings. If the information is found to be inaccurate or incomplete, they must correct it or delete it from the consumer 's credit report. THEY DID NOT DO THIS. I would like my requests to have said items removed to be honored and honored within the next 30 days according to the law by which the agencies are to abide and I know that they will.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

Equifax online verification asks questions that have NOTHING to do with my account as far as my knowledge goes. They ask about auto loans, student loans, mortgages that I have never had. When I called customer service to complain that if they are legitimate questions, then someone else is using my identity, and I would like to file a credit freeze. Both online and with customer service continue to ask questions that have no bearing on me, and deny my identity.
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

I was checked my credit report and discovered a fraudulent account was reported by WELLS FARGO CARD SERVICES ( ACC NO : XXXX ). I contacted Wells Fargo Bank and credit reporting agencies and stated that this Wells Fargo account did not belong to me. Meanwhile, I filed the FTC Identity Theft Report and submitted this document to the company and credit bureaus. The XXXX, XXXX, and XXXX deleted this fraudulent account. After all, XXXX reinserted the fraudulent account back to my credit report.
Consumer complaint received 2024-10-14
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. (NC)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Balance - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number:XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX XXXX XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:3XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX- Account Number:XXXX opened XX/XX/XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

The problem is with U.S. Bank Home Mortgage # XXXX. 
I am being shaken down my current XXXX XXXX XXXX company for triple the current premium and I need to get a new policy. However, I have a XXXX XXXX policy and I have been trying to send send them documents that should be adequate for coverage. I have been unable to upload the documents via their website and the fax was not going through either. I can mail these documents but it will cost me a lot of postage to send the multiple pages through the mail when this should work electronically. The bank can't figure out a way for me to do this electronically? Are we still living in the 20th Century? Why can't the bank 's website work. The bank 's website works when I make a payment but when I am trying to save money with insurance it doesn't work? I guess that works out well for the bank who can write home insurance policy that is triple what I am paying now? Please help me because nobody is respecting my rights or communicating with me and since everybody I talk to on the phone is a women I feel I am being discriminated against for being a white male with a small mortgage.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (AZ)

I am one of the XXXX XXXX XXXX XXXX XXXX operating in various states, including Arizona and Florida. I have recently discovered that multiple credit card accounts were opened without my knowledge or consent. This issue came to my attention after my former business partner illegally removed both myself and my other business partner from several certificates of formations filed with the Secretary of State in Arizona and Florida. 

I also believe that my former business partner altered the operating agreements to his advantage in order to obtain these unauthorized credit cards and worked closely with a commercial lender or banker to assist in opening these unauthorized accounts, all while preventing us from having owner access to the credit cards and banking accounts. I can provide documentation to support this upon request. 
Both my business partner and I have contacted Wells Fargo on numerous occasions, starting from XX/XX/year> to the present, in an effort to conduct our due diligence. However, the bank has refused to acknowledge our requests. We have demanded the production of all originating documents related to the credit cards, as well as the credit card statements for all accounts payable under each Tax ID number. Additionally, we have requested bank statements from the inception of these entities on the banking side as well across the board. 

I informed Wells Fargo that I am listed as a partner on the original certificates of formation for multiple entities. We suspect that our former business partner, who was the CEO and the responsible officer for financial and tax reporting matters at the time, may have engaged in embezzlement and perhaps other crimes that are not to my knowledge. Despite this, Wells Fargo has refused to cross-reference all the Tax ID numbers associated with these entities, opting only to provide me with information tied to my Social Security number. It was during this process that I discovered a credit card account had been closed under one of the entities without my knowledge. After requesting the statements for this account, which I never had access to, I learned that the credit cards had been mailed to a different address belonging to my former business partner in another state. 
I discovered that these credit card accounts had been opened without my consent, and I had no access to them for the entire duration of their use. 
I have an open case with Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and was in communication with XXXX XXXX XXXX XXXX XXXX ) Please note due to the limitations allowed to upload. I can furnish more certificate of formation documents for the other entities upon request. 
Contact number : XXXX
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

I am submitting this complaint on the basis of the unresolved matter. Citibanks continued abusive efforts to collect on fraudulent debt continues. I first notified Citibank  in XXXX of XXXX  that I was a victim of identity theft. Citibank allowed numerous loans/ lines of credit and Credit Cards to be applied for and opened online without my consent. I have a fraud alert, which is an extended fraud alert on my credit files for a reason. Citibank ignored this. I have now placed a security freeze on my credit files, as of two days ago Citibank attempted to Hard Inquiry my credit report from XXXX  which is a screenshot I will attach. This was blocked, and unauthorized. I have not applied for any credit with Citibank NA, Nor Citicards. CitiBank confirmed they sent fraudulent cards to XXXX XXXX XXXX XXXX XXXX TX XXXX. This address is not on my credit report, and is listed as fraud. Therefore I never got any cards. Additionally Citibank confirmed they opened fraudulent checking and savings accounts which I never authorized. I never sent my ID to Citibank. I do not and have not authorized Citibank to open any line of credit, installment loan or credit card in my name. These are all fraudulent and unauthorized. The email addresses XXXX, and XXXX were found on the dark web being sold and bought by identity thieves these are fraudulent, not authorized, these have been reported to the authorities. Yet Citibank continues to cause further identity damage, refuses to investigate the crime, has not resolved this matter and continues to break consumer laws.
Consumer complaint received 2020-01-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I   am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a credit limit of {$600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (OH)

For the last three years, I have been trying to open up an account at PNC Bank but they have repeatedly refused and never told me why. They always tell me to call XXXX XXXX XXXX, which refuses to provide even a general reason for why I am unable to open accounts.