davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (OH)

On XX/XX/2021, I filed a complaint with the CFPB ( Reference number : XXXX ) in regards of KEYBANK not granting me the opportunity to complete a consumer credit transaction because I asserted and reserved all rights under the ECOA ( Equal Credit Opportunity Act ). 

On XX/XX/2021, KEYBANK corrected their position through the CFPB, and confirmed that they would be in compliance with the ECOA ( Equal Credit Opportunity Act ) and also would honor my ECOA request, as well as grant me the opportunity to complete the consumer credit transaction. 

On XX/XX/2021 I reached out to KEYBANK in regards of applying for a mortgage. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '', This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ). Through correspondence with the mortgage loan officer via email, the mortgage loan officer was properly informed of my ECOA request and was recommended by her supervisor to move forward in completing the transaction. On XX/XX/2021, the consumer transaction was completed and submitted for review by KEYBANK. On XX/XX/2021, I received an email from the mortgage loan officer informing me that the transaction was denied due to the information that was furnished to KEYBANK from consumer reporting agencies in regards of my credit history and worthiness. I Informed the mortgage loan officer that my ECOA request has not been honored and that KEYBANK has willfully violated the ECOA pertaining to this transaction. I have not heard back from the mortgage loan officer since my last correspondence through via phone call.
Consumer complaint received 2021-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased a soft cooler on XX/XX/XXXX. I received a tracking number on XX/XX/XXXX. The tracking number said it was delivered on XX/XX/XXXX. That the first sign of a fraud. I contacted the post office. They told me it was shipped to a completely different address. They explained this common fraud tactic. The shipper doesnt respond to me. I contacted Bank of America. They offer fraud protection with this card. Bank of America prematurely closed the case. Denying me. 
I contacted the bank two more time. The agreed that it was their error and that they would reopen the case. Each time they reopen the case they closed it less than 24 hrs later. Zero chance for me to give no info.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2021-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

please review the following accounts that appear on my credit report, without any authorization, they are hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir, My wife and I need some help with regard to outlandish practices by the credit bureaus. We have worked hard to clean up our credit and have seen gradual improvements to our scores. This month our credit utilization went up not too much. Our credit cards payments have been on time, sometimes paying twice a month. Now because of the utilization increase outcredit scores dropped nearly 60 point! That outrageous. This just made the difference from buying a house to not being able to. We can understand a slight fluctuation in scores but 60 points is insane. I called Trans Union and am just getting the run around. They claim they can't even tell me what my utilization is! If that's the case then how can they calculate anything? This is ruining our lives. We are just about to graduate as substance abuse counselors. as we had to retrain because of covid job losses, and hoping for a bright future. This has destroyed our lives. Again, this is not because we were late paying, just an increase in utilization for a month. Please could you suggest how we can make these agencies see sense. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

An account was fraudulently opened under my name with a company called XXXX XXXX. I disputed the item and got it deleted ( see attached ) but XXXX  still reported it and has debt collectors harassing me. If the debt was deleted due to a dispute, no debt collector has the right to stamp my credit report with bogus information. I ask you to please defend my rights.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, Texas XXXX XXXX XX/XX/1971
Consumer complaint received 2021-07-26
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. (IL)

there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

On XX/XX/2021 I asked Carrington Mortgage Services to validate and verify information on my credit report. I have received no correspondence or documentation related to my request. I called XX/XX/2021 and XX/XX/2021 and both times was told that I should receive documentation in 30 days. I still have not received any correspondence while these negative marks are hindering my credit.
Consumer complaint received 2021-07-21
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)

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of these inquiries contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor.

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of these inquiries violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report these inquiries to any consumer report. 

As a consumer, and the original creditor I, XXXX XXXX, am seeking the following remedy from Equifax for these violations : The removal of the inquiries listed below XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

It all started around XXXX on Saturday XX/XX/XXXX. I had dinner with a friend earlier in the evening and we had stopped off at a spa on that was open late. The massage ended around XXXX and even though I had charged my card inside the place, I wanted to leave a cash tip, so I went to the ATM outside. I put my card in and the ATM was acting bizarre. It had the XXXX XXXX and was spinning constantly. I tried a few more times and somebody came by to " help me '' with the ATM. I found it bizarre, but he just seemed drunk and helpful. I shrugged him off and told him I had it. 

Unfortunately, no money ever came out and I just left. Somewhere along the way I must have dropped my card because when I awoke the next morning and my bank was negative XXXX. I don't know if the man who " tried to help '' stole my card and saw my pin number, but I do know what the charges were : -a {$10.00} deli charge - {$100.00} to XXXX XXXX two large ATM WithDrawls {$200.00} and {$800.00}, plus a bunch of balance inquiries at XXXX, with one of them in an entirely different borough! 

I called TD and they cancelled my card, but said I would have to wait for the charges to clear to file a claim. The next Tuesday ( XX/XX/XXXX ), I was finally able to file the claim. I never heard back from my bank -- for an entire week. I reached out today and they replied that they couldn't prove that it wasn't me. 

I am stupid, I know for dropping my card, but my bank clearly hasn't looked into the ATM security footage or any other point of an investigation. I have lost all faith in them and I don't want to stay there any longer, but not until they sort this out.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (GA)

I have not been able to use my destiny credit card since the XXXX f XXXX a contactted customer service and was told there was a block because of one {$10.00} pand dollar payment that did not go through on XX/XX/XXXX I was not aware of these terms I was not It's warned about future and sufficient fun returns and as of XX/XX/XXXX I'm still unable to use my card and I am having to pay interest on charges with a call that I can not use Due to these actions I am being threatened by bills that I have ACH AUTO PAY using mydestiny credit card and have incurred late fees as a result
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I XXXX XXXX NEVER GAVE XXXX, XXXX, EQUIFAX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.
Consumer complaint received 2021-07-27
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: Resurgent Capital Services L.P. (NY)

Greetings, My name is XXXX XXXX, I sent 3 letters to LVNV Funding LLC regarding an unverified item listed below, which remains on my credit report in violation of Federal Law. I asked for a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. They never responded, I did not borrow money from LVNV. I demanded proof of a contract signed by me at the time of the loan signing agreement, they were not able to send me any proof. 
I demand that the unverified account be removed from my credit report on XXXX Account Name : LVNV FUNDING LLC Account Number : XXXX
Consumer complaint received 2021-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent TransUnion and XXXX  letters and a copy of my police report stating that my social security number was compromised and I am a victim of identity theft. My identity was stolen by XXXX XXXX XXXX who is currently behind bars. I sent the letters over a month ago certified mail. The tracking number for my XXXX  letter is XXXX. It shows XXXX  received my letter and police report XX/XX/XXXX. The tracking number for my TransUnion letter is XXXX. It shows TransUnion received my letter and police report XX/XX/XXXX. The tracking numbers are through USPS. Its been over 30 days and XXXX and TransUnion has yet to block these accounts from my report which is stated in the FCRA 605B that a consumer reporting agency shall block reporting of any information in the file of the consumer that the consumer identifies as identity theft. XXXX  and TransUnion has yet to do this which is a violation of my consumer rights. The man who stole my identity tried to apply for a lot of credit in my name which resulted in me having over 50 inquiries on my TransUnion report and over 90 inquiries on my XXXX  report.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have notified Transunion of a disputed account, which they removed only to put it back on my report a month later, I have never had a credit card with XXXX XXXX XXXX  with a credit limit of XXXX dollars, my limit was {$500.00}, I also have no knowledge of the purchases made on the card to reach XXXX dollars or when they increased my credit limit to XXXX, I have sent certified letter trying to get a detailed printout of what was purchased and have not received a response, I would like a detailed printout so I can, make a police report so I can get this issue resolved and I am demanding the removal of this derogatory account until they can provide me proof that this debt belongs to me.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

Due to loss of income from the COVID pandemic, I utilized the forbearance option with respect to my mortgage from XXXX of XXXX until XXXX of XXXX. 

While trying to negotiate a modification with M & T Bank, I have been unable to submit my Borrower Financial Report, which includes a summary of my entire financial situation, as well as statements for all of my bank accounts and paystubs for multiple family members, it is a treasure trove of financial information and should be treated with utmost confidentiality by a financial institution. 

I have tried to mail it but after two weeks they claim that it has not been received, and due to this reason, I will need to deliver it in an expedited manner requiring electronic delivery. The only other delivery options available are to ( a ) fax it, which requires the additional expense of using a third-party service ( who will retain a copy ), or ( b ) to e-mail it. Either of these methods leave my financial data exposed and easily accessible to hackers. 

Time constraints will require that I compromise my financial information in this manner and I am shocked that a large bank does not have a means of securely delivering confidential information available. I am gravely concerned that in this day and age a financial institution is requiring the delivery of sensitive financial documents containing Non-Public Personal Information by such insecure means. I am certain that they are a ripe target for a data breach.
Consumer complaint received 2021-07-27
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: TD BANK US HOLDING COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (VA)

I did NOT authorize an inquiry from the lender while submitting my paperwork and deposit for a vehicle. Before completing this paperwork I inquired multiple times if it would be a hard or soft pull. XXXX, the sales representative, assured me it would be a hard pull. One day after I submitted this paperwork I saw an inquiry on my XXXX  credit report from Credco. I didn't recognize this inquiry and asked XXXX and XXXX, the finance manager, if they recognized that inquiry as being from them. They assured me once again that no they didn't run my credit. I then filed a dispute directly with the credit bureau and they traced the inquiry back to the dealership : XXXX XXXX of XXXX. When I asked the dealership, they told me verbally that they ran my credit on XXXX, which contradicted their several earlier statements that 1 ) there would be no hard pull, and 2 ) they were not the inquiry that I asked about. I have asked the dealership to remove the inquiry and have not heard back on that point.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I submitted my first dispute request over 60 days ago and I have yet to receive any updates regarding my request from any of these bureaus. This is now my 2nd request and listen I'm pregnant and due to have this baby in XXXX more months I don't need all this stress worried about incorrect information in my report. I have to find a bigger place to live before this baby comes and this is hindering me from being able to do so. I'm not sure what the hold up is but I need some anwers an update or something. If I go into XXXX XXXX worried and stressed about this I will file a lawsuit. The FCRA stated that if nothing is done within 30 days it should be deleted well I have been waiting more than 60 and I can't wait anymore. Your website says you are here to protect the consumer well I'm a consumer and I need to be protected not giving the runaround when I call they say they dont have anything which I know aint true or they say they need to verify my identity how many times do I have to send my gas bill and social security card? I pray someone can help me this is tiring and stressing me out
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have an outstanding collection on my credit bureau file from XXXX/XXXX  in the amount of XXXX. I have had several conversations with XXXX XXXX Hospital and asked for a complete statement of account for each charge, which they have not sent. I have now disputed this with the credit bureaus and they say they investigated but how can there be an investigation when I do not see the information and have a chance to say it is not correct? I would like to see my signature on a medical statement proving this is my bill and that I agreed to pay it.