davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (TX)

This complaint addresses ongoing violations of the Identity Theft and Assumption Deterrence Act, the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and relevant Texas statutes. Companies are failing to safeguard personal data, resulting in unauthorized use of identifying information. These breaches directly violate federal and state laws designed to protect consumers from identity theft. The companies ' inadequate security measures, failure to place fraud alerts, and improper information sharing practices demand immediate investigation and enforcement of penalties as outlined in these laws. XXXX XXXX XXXX XXXX XXXX XXXX, NO XXXX vs. XXXX XXXX FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Filed ( XXXX XXXX ). FCRA Section XXXX ( c )
Consumer complaint received 2020-06-29
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. (MO)

what happened is my credit file has been misrepresented due the compromising of my identity being lost or stolen. In addition I was a victim of the XXXX  breach. I'm demanding that these accounts be removed and blocked from my credit file. 

1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX {$320.00} 3. Dept of ED/ XXXX {$7700.00} 4. Dept of ED/ XXXX {$5700.00} 5. Dept of ED/ XXXX {$5100.00} 6. Dept of ED/ XXXX {$5000.00} 7. Dept of ED/ XXXX {$1600.00} 8..XXXX XXXX XXXX 9.  XXXX XXXX XXXX
Consumer complaint received 2020-06-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FCI Lender Services Inc. (NY)

My original mortgage loan was with XXXX XXXX XXXX which XXXXXXXX XXXX filed chapter XXXX and split the with XXXX XXXXXXXX XXXX  XXXX I got lay-off and XXXX did a Home Affordable Refinance Program ( HARP ) which I got new mortgage with XXXX XXXX XXXX changed XXXX XXXX  XXXX Also I filed chapter 7 in XXXX due to XXXX split Mortgage Specialized Loan services
Consumer complaint received 2017-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

In XXXX XXXX I was hired as a Manager for a company that sent me a check in there name for about {XXXX} and I decided to open an account at Santander Bank in my local neighborhood and requested that they check out the check for me and if it was good to place it within my bank checking account if it cleared, where this was a new company that I was not familiar with. 

They decided to follow through and opened the account and told me that it would take ten days for the check to clear but had told me that I would have to open an account and deposit physical cash in it, which I did for {XXXX}. 

After ten days I had n't hear anything back from the bank in regards to the deposit of the check and when I went to make a withdraw from the bank on the check, they told me that my account was closed and they never told me for what or sent my deposit back since then. 

I never pursued it after that and realized the check I had deposited must had been bad but I decided to open an account again after a couple of years had passed in XXXX of this year and told the rep of the problem I had with the bank a couple of years ago and spent well over two hours seeking to clear whatever issues they had with me and my account and I thought we had a understanding and was going to make a new start, so I again opened up an account and placed another deposit of XXXX to do so and was given a online banking account with new account numbers and after a couple of days had passed, I logged onto my online account and was ready to transfer funds from another company that I performed work for and found that I was on block and when I called the customer service they gave the run around for a good minute but after my persistence after several tries and days had passed that it was the XXXX XXXX issue that they had decided to close my account that was XXXX XXXX, XXXX and that they would send me my deposit back via mail, where it is now going on a month since they closed my account and never sent me my deposit back. 

Which I ca n't understand why they would close my account in the first place for a bad check that someone else wrote, where I had always been in good standings with other accounts I have had over the years with other banks and had paid many bank fees over my many years, where I also believe that they are real crooks and out right have chosen to take people money for their own and are the ones that ca n't be trusted.
Consumer complaint received 2020-06-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On XX/XX/2020, We submitted a Mortgage Application with one of USAA Loan representatives. at that time we were told that we were not approved due to XXXX XXXX middle credit score was 2 points less than required. 
Because of the information in the credit history, it is very important to review the credit information that is being furnished to make sure it is accurate, that's exactly what we did and discovered that there was inaccurate information reported on all three credit files. ITEM WAS DEPUTED and removed. 
On XX/XX/2020, we requested and application report to check XXXX XXXX Score to assure a required status. At that time We were told that XXXX XXXX score was not Significant enough to fit the required score to qualify for a Mortgage Loan. 
XXXX did not ask to have a credit application re- pulled because a credit report is good for 90 days. I was told that my middle score was to low. 
On XX/XX/2020 XXXX XXXX middle score was XXXX. 
On XX/XX/2020 XXXX XXXX middle score was XXXX. 
( unexplainable ) One again we were asked to contact at three Credit Agencies. 
We did that and discovered that XXXX had no record of USAA ever inquiring of a credit file. Unexplainable.
Consumer complaint received 2020-06-28
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: Experian Information Solutions Inc. (CA)

I applied for a mortgage back in XX/XX/2020 and this is when I discovered I had some fraudulent items on my report. I contacted all three credit bureaus and I informed them that these items did not belong to me and asked that they are investigated and removed from my report. In XX/XX/2020 I received a response from all three agencies and XXXX  could not verify the item and it was removed. However, Experian and XXXX  did not remove the items and told me that item was verified. I sent another letter in XX/XX/2020 asking for proof of verification, including who they talked to when they verified accounts and what information was used to verify my items. I received a response letter in XX/XX/2020 from Experian and XXXX  stating that they would not tell me how items were verified and that I could add a personal statement or contact the collection agency. I contacted the collection agency in XXXX and never received a response. I am sending one last letter that will accompany a copy of this complaint to Experian and XXXX. This letter will be received by them by XX/XX/2020, and it will be sent certified mail. This letter explains that the items in question were removed from the other agency and that there is no way they could of properly verified the information and the other agency working within the same time span could not. I feel I have no choice in this matter but to file a complaint because the credit bureaus have not in my opinion done the proper due diligence. I am not sure how my information got into the hands of someone else to open accounts that are not mine, but I am in the process of hiring an attorney to help me figure out what to do about identity theft issues if I have no idea who did it or where they are located.
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Capital Alliance Financial, LLC (MN)

I received a collection letter containing a settlement offer from XXXX XXXX XXXX, a law firm representing Capital Alliance, dated XXXX XXXX, XXXX. The letter indicates they are collecting on my former XXXX XXXX XXXX account in the amount of {$880.00} and that Capital Alliance is my current creditor. 

I was extremely upset by this, I assumed they were going to sue me if I did n't pay them. I was too embarrassed to tell anyone and did n't know what to do. This proved to be XXXX some years back caused by XXXX which is why I fell behind on my XXXX card to begin with. XXXX. All of this caused because I was so afraid of being sued. 

I finally confided in my daughter about this and she started helping me. First she pulled my credit reports and found my old XXXX account was only reporting on one due to how old it is, it 's gone from that one now too. She did some research and this is what she found. 

My XXXX account is past Statutes Of Limitations for suing and was at the time of their letter. Their letter does not indicate that, it was supposed to. I thought if I made a payment it would reset the SOL clock, I now know it would not. 

Their letter gives a deadline date of XXXX XXXX, XXXX for payment, this is why I was certain they were going to sue me if I did n't pay by then. It was very misleading. 

Their letter indicates Capital Alliance is my creditor. They can not be, they are a debt buyer. XXXX XXXX owns XXXX XXXX XXXX as well as Capital Alliance. They have an unscrupulous reputation and are banned from filing suit in some states. 

Their letter does not include any of the information it should have. No dates as to when the account was originally opened, the last payment, first delinquency, charged off, when Capital Alliance supposedly purchased the account and from whom. They did n't even include the account number. 
The amount they are trying to collect is {$880.00}. The amount the XXXX account was charged off for was {$270.00}, a {$610.00} difference. 

My daughter found this court case that is very similar. 
XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) My daughter also helped me with this complaint as well as a letter to XXXX & XXXX , dated XXXX XXXX, XXXX, sent via Certified Mail with a Return Receipt. They did not respond. 

When they pull these illegal, unethical scams I wonder if they ever think about what it does to the people they 're scamming. 
I doubt it. 

I 'm confident I would prevail in a court case against XXXX XXXX XXXX and Capital Alliance but would prefer to settle out of court due to my health. 

I have attached copies of the correspondence and the relevant credit report entry with the account number blackened out for legal reasons.
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
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 XXXX, XXXX, and Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts and hard inquiries that were opened and made without my authorization. Specifically : XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX , account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX, XXXX, and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
These fraudulent accounts have resulted in several unauthorized hard inquiries appearing on my consumer credit report, including but not limited to : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts, collections, and hard inquiries are the result of identity theft and fraud. I do not recognize the aforementioned items on my consumer credit report maintained by XXXX, XXXX, and Experian. All of the aforementioned items were not opened, made, or initiated by me.

I have attached a copy of my FTC Identity Theft Criminal Complaint ( case number ) 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 2024-08-18
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: Experian Information Solutions Inc. (CA)

after checking my credit report I saw that experian had a closed account on my credit report. I ask to verify what is the amount on that account.. after review my XXXX and XXXX there were no account with them ... how can I be sure that this account is 100 % right ... XXXX XXXX XXXX should be remove from my credit report
Consumer complaint received 2024-08-18
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. (AL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2020-06-28
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: EQUIFAX, INC. (FL)

I was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.
Consumer complaint received 2020-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Attempted wire transfers to 2 clients who were Bank of America account holders. Wire transfer was rejected by BOA. BOA returned wired money less {$45.00} fee for each attempted wire transfer. I did not agree to this fee and am not a BOA account holder and have no deposit agreement with it.
Consumer complaint received 2020-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AL)

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They have been asked and reported not to call this number several times and have been reported in the last year to you all as well. The calls have stopped then returned this year.
Consumer complaint received 2017-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MacDowell & Associates, Ltd. (GA)

very very hard time to cominicate with Law Firm Collectors, I` ll pay off my colletions but wan na find out after that what is next step and who is going and how my credit report. Calling them numerous time and they hang up on me every time. Need help!!! Please!!
Consumer complaint received 2024-09-03
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Delinquent account — 
Company: FIRST NATIONAL BANK OF OMAHA (MI)

There is an account in my name with First National Bank of Omaha ( FNBO ) which is reporting on my credit reports negatively for none payments. However, FNBO refuses to provide me any type of access to this account. FNBO claims security issue with this account and or a fraudulent account. As a result of this I have informed them via phone and by mail ( certified letter ) if they report any information regarding this account to my credit report, particularly negative information, they would be willingly violating the FCRA. Again, FNBO refuses to provide me any access to this account online or via phone. Whenever I go online and enter my information FNBO 's websites states either I have no account or website error. My question is this : If FNBO themselves have concluded possible fraud or questioning the authenticity of this account and refusing to allow any payments so I can at least avoid any negative information on my credit reports until this is resolved. HOW CAN THEY REPORT ANYTHING to the credit bureaus? I have documents to attach I also have recordings of phone conversations ( do n't know how to attach those ). I have also sent letters to XXXX, XXXX and XXXX XXXX disputing the negative information. I have been denied business and personal loans as a result of FNBO 's reckless and willing violations. Finally, from previous records on my credit report it seems the original balance on this account was {$4000.00} however FNBO at sometime lowered it to {$1000.00} causing an effect that displays more negative information with this account being severely over the limit ( account balance around {$4000.00}
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

My mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services XXXX XXXX XXXX XXXX Ca XXXX this past month. I payed them via their web site for this month. Got a bill today for two payments. My bank shows the payment going through. I have tried to contact these people for the last two weeks but just get put on hold for literally hours, without being able to speak to any one.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (MD)

My BarclayCard XXXX XXXX MasterCard was shut down without notice around XXXX XXXX this year. I later received a letter about a week later indicating that a decision had been made to close my account. 

I did not engage in any sort of malicious or unethical behavior that led to this closure. However, I respect their authority to close at their discretion. 

My complaint lies in the fact that I had over XXXX Reward Miles accumulated on my account that was reset to XXXX upon the shutdown of the account. 

These points had already been earned legitimately and it is unfair to take these away as their value was in excess of {$1000.00} in travel rewards. Upon contacting Barclaycard 's customer service team, they indicated there was nothing they could do. So essentially Barclaycard is saying that it is completely within their right to take away any and all rewards points accumulated at any time they deem fit, which seems quite unethical and I am now out a significant amount of value for no just reason.
Consumer complaint received 2015-09-11
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (RI)

My car was repossessed by Ally Financial Inc . There was an outstanding debt on the lease in the amount of {$5900.00}. An agreement was made through their attorney, XXXX, XXXX, XXXX XXXX XXXX on XXXX/XXXX/15 to settle the outstanding debt for a lump sum of {$2000.00} which I paid on XXXX/XXXX/15. On XXXX XXXX, 2015 Ally Financial Inc. who had been paid the settlement still reported to my XXXX credit report that the account was still unpaid and past due in the amount of {$3900.00}. This erroneous reporting hurt my credit and caused monetary and emotional damage to me.
Consumer complaint received 2020-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

I have a mortgage with NewRez for a newly purchased home. Myself and my insurance agent have both provided my insurance policy information to them. I have tried writing to them and requested they correct their records to reflect my homeowners insurance. NewRez has yet to update their records and are now attempting to charge me for a policy that they took out to insure my home. They keep sending me letters advising I don't have insurance on my house, when I in fact do. I'm not sure what else I can do as my insurance and myself have provided the information to them and they still fail to update the information on there side. I feel as if they are intentionally not doing so. I believe they may get a quick back from the insurance company they use and therefore are intentionally trying to charge me and are not operating in good faith.