davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00} XXXX  XXXX Balance : {$1800.00} XXXXXXXX XXXX  XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/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 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 According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (KY)

Good Afternoon, My name is XXXX XXXX and I am writing this complaint for Monterey Financial, DBA XXXX. My initial purchase balance starting XX/XX/XXXX was XXXX. I have made a total of 28 payments for a total of XXXX dollars. After reviewing my account history and totals, the only funds out of that XXXX dollars that went to principal was XXXX. After speaking with one of Monterey 's representatives XX/XX/XXXX she stating initial interest was 113 %. This is also joined with XXXX (? ) A day for the amount of time the account is late. I am writing out of concern for their predatory practices. There is no reason for anything to be over 100 % interest, nor is there any reason why EVERY payment I made over the last 2 years has gone to nothing but interest ( minus XXXX went towards the initial principal. ) Please investigate this company and their predatory lending practices.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-09
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: ALLY FINANCIAL INC. (MI)

On XX/XX/XXXX, I filed a complaint dispute for a fraudulent charge on my OLLO credit card with OLLO. The charge was from XXXX for {$31.00} and I did not make this charge. The OLLO card had not been used for any purchases since XX/XX/XXXX and had a balance of {$0.00}. 

I was told by a representative that they would report the fraud charge to their security department, and it would be resolved in about 2 weeks. After two weeks it was not fixed and was transferred to another department for dispute resolution, then transfered back to fraud, back to dispute resolution, back to fraud, and finally to security. By XXXX, the claim had been bounced around unresolved for two months. I began receiving emails from OLLO telling me that they were applying late fees on my card, interest, and that they were reporting to my credit late payments. By this point, I had contacted OLLO by phone over 18 times and had spent almost 15 hours total on the phone with different reps. I was assured that this was being taken care of, that non this would not be reported to my credit as it was not my charge, the late fees would be taken care of, and not to worry. On XX/XX/XXXX, during my XXXX phone call to OLLO I was told the fraud charge was finally being reversed along with the late fees and interest charges. However, this did not take place and on XX/XX/XXXX I discovered OLLO had reported this to my credit, had only reversed ONE fee & the fraudulent charge. 
I have asked for my calls to be reviewed, escalated, called over 28 times, spoken with countless employees and am not being helped. On XX/XX/XXXX, I spoke with a banking manager at ALLY who owns OLLO 's banking and was told I had to pay the late fees on the charge I never made and had been disputing since XX/XX/XXXX. I was also told by the same manager that they can report it to my credit for non-payment even though the fees were illegally applied to a fraudulent charge that had been deemed fraudulent. 

This is in direct violation of the fair credit act. A company is not allowed to report a late payment, charge fees, or charge interest on a charge that is in dispute or deemed fraudulent. I have tried to work with OLLO for almost three months and the situation is becoming worse and now they are illegally charging me fees and illegally hindering my credit report. I am NOW in grave fear this company is intentionally hindering my credit as I have made every effort to resolve this issue. I fear I am being bullied into paying fees I did not cause as this company will illegally report things on my credit report. 

I have attached screen shots showing the illegal fees being charged on a fraud charge. The letter showing the fraud charge being looked into & removed. I have also attached where it shows OLLO reported this to my credit.
Consumer complaint received 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (NC)

My home mortgage is being serviced by the company XXXX after it was sold to them from my original lender. When the mortgage was originally obtained, I did not put down the 20 % and had to include mortgage insurance in my contract. Per my mortgage contract, the mortgage insurance is required to be lifted once my mortgage is at 80 % of the home 's original value. On XX/XX/, my mortgage is past that rate but the company has continued to remove mortgage insurance in both XXXX and XXXX of XXXX  and have ignored all of my requests for them to stop doing so.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Hi, My name is XXXX XXXX XXXX. 
I saw Citibank is giving {$1000.00} bonus to keep {$80000.00} in for 90 days. 
I borrowed {$80000.00} from XXXX XXXX, he is like a father to me, he knows me since before I was born. 
XXXX XXXX just recently sold a house in XXXX XXXX, XXXX XXXX to be exact. 
XXXX XXXX got a Cashier 's check for {$80000.00} from his bank, XXXX Bank XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
He made it out to me, XXXX XXXX XXXX. 
We both went to Citibank together at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and I opened an account with XXXX XXXX, she is the bank employee that opens accounts. 
Two weeks later approx. I was told the account is frozen by the fraud department. 
I opened the account on XX/XX/2022. 
I have the photocopy of the cashier 's check that was deposited and processed by Citibank. 
Ever since then Citibank has been giving me the runaround and telling me the check is being sent back to ME, to my mail address. 
Then after more phone calls must have called XXXX0 times, Finally now around XX/XX/XXXX XXXX approx,. 
I was told on phone that Citibank is sending me a check. 
Then on XXXX XXXX they say, no check for me. 
They say the money has to be reclaimed by the sender. 
The sender tried to reclaim at his bank, XXXX XXXX .XXXX said not possible because it was paid to Citi Bank XXXX Citibank is holding the money. 
On XXXX. We went to Citibank and talked to manager. He gave me runaround, did not resolve. 
We went a week later to a Citibank in XXXX XXXX and talked to manager, he said the check was sent back to XXXX XXXX  In XXXX. 
BUT I have a XXXX statement that Citibank has my money in a XXXX XXXX account in the amount of {$78000.00}. 
The check was {$80000.00} and I withdrew some money before they froze the account. 
So how can they say that they sent back the check, if money has already been withdrawn from it. 
XXXX XXXX went to XXXX XXXX  again in XX/XX/XXXX to ask if there's money for him sitting somewhere that was sent back from Citibank. 
XXXX searched and said no money was received from Citibank. 

Please help me get my money back.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NY)

Hello, This is the second complaint I have opened. 

Shortly after my first complaint was closed, with an unsatisfactory resolution ( XXXX ) Goldman Sachs reopened a credit line without my permission. The account was closed in XXXX of last year and the company is now incorrectly reporting the account as open. 

Goldman Sachs is now engaging in malicious, and predatory practices against me in its servicing of debt that it previously stated, *on a recorded line* was resolved and that the account was closed Im asking for help from the CFPB to investigate this matter and bring a resolution.

Goldman Sachs is currently under investigation for it practices in its credit card business, beginning in mid XXXX and that investigation has now expanded in XXXX. 

I believe my case to be solid proof of the mishandling of a credit card account and
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (TN)

Fraudulent accounts have been attributed to my credit file that were opened by a thief not by me. I have not received any goods or services from these fraudulent accounts and 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
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-23
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXX reported late payments in XXXX in a period that my loan was in forbearance. The loan was placed in forbearance on XX/XX/XXXX and was in forbearance until XX/XX/XXXX. I attempted to dispute this on Equifax but they dont show the late reported payments in the dispute section, only in the payment summary section.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I am writing to demand the immearate deletion or accuracies listea on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or XXXX verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Re : Dispute of Account Verification - Request for Method of Verification Account : XXXX XXXX XXXX # XXXX I have attached your dispute results from the prcious dispute that does not include the Method of verification. This is unacceptable and a clear violation I am writing to formally dispute the continued reporting of the above-referenced account on my credit report. I initially filed a dispute regarding this account, and according to the investigation results, the item was verified as belonging to me, with certain information updated. 

However, I have not received the " method of verification '' that I explicitly requested when launching my dispute. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedures used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher of information contacted in connection with the investigation. 

As per your records, this account was updated on XX/XX/2024 with a balance of {$22000.00} and a pay status of " XXXX XXXX. '' While I dispute the accuracy of this account, I am particularly concerned about the lack of transparency regarding the verification process. 

Please provide me with the following information : A detailed description of the method used to verify the accuracy of this account. 
The name, address, and contact information of the entity that provided the verified information. 
Any documentation that was used to substantiate the verification. 
Given the significance of this matter, I request that this information be provided to me within 15 days, as stipulated by the FCRA. If you can not provide this information, I respectfully request that the disputed account be deleted from my credit report immediately.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX Balance : {$360.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$660.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Account number : XXXX Balance : {$700.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Account number XXXX XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX Balance : {$350.00} XXXX XXXX  Account number : XXXX Balance : {$1800.00}