davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (FL)

I woke up and i have received information in regards to these accounts that are reporting inaccurate on my credit report and I am having problems with these for months now. Can you help me out.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Good day, Im writing because there was a negative reporting sent to the credit bureaus regarding a 30-day mortgage late payment. I was in the process of a refinance and the XX/XX/year> mortgage payment was included in the requested payoff amount. Apparently, the payoff amount that was sent to the Title company by Carrington Mortgage was incorrect due to a loan home insurance that was paid out on XX/XX/year>, which caused the payoff amount to change. As the customer, I was unaware that the payoff amount was incorrect. 

The Title company sent the initial payoff to Carrington Mortgage on XX/XX/year>, and Carrington Mortgage sent a response to the Title company on XX/XX/year>, to deny the payoff payment amount. The payoff payment amount was corrected and paid on the same day that Carrington Mortgage contacted the Title company with the denial. However, Carrington Mortgage reported this to the credit bureaus to reflect negatively on my credit reports which was no fault of mines.

I have never been 30-days late in renting or home ownership. I am disputing this crediting reporting and requesting removal of this incorrect 30-day late reporting from all credit bureaus. I have also requested this removal from Carrington Mortgage and it's pending a response. Thank you, kindly.
Consumer complaint received 2019-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have reached out to Huntington Bank multiple times and they have not got back with me in regards to some fraudulent activity that took place on my account. There are a few accounts that was open in my name and charges that I didn't approve of nor did I know about. No one have responded to my multiple emails and attempts to contact them.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

To whom it may concern, XXXX charged a fake no show reservation on my capital one card, after I already paid them full amount plus XXXX additional driver fee using my XXXX  card when they lied the reservation was under my name instead of my husbands name. I disputed the no show charge with capital one and submitted my evidence ( please see attached : rental agreement, etc ) through mail and online multiple times. Capital one only acknowledged the fake evidence from XXXX, and denied any evidence provided by me. As a result, they unfairly declined my dispute. They failed to protect their consumer under fair credit act. Thank you very much.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2024-08-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I called the company and the bureau to let them know this information was inaccurate and based on the FCRA 611 they did not follow the correct laws nor provide proof of verification with a wet signature. I am not liable for this credit collection serv account with the balance of 333, I was not provided with the original contract.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (CO)

On XX/XX/year> my XXXX account was suspended for no reason. I had only sent a few transactions to a single entity as I had no other form of payment. They supplied no debit card or any other access to funds. My transactions were suspended after a branch closed and therefore no money for me or my family for the weekend.
Consumer complaint received 2024-07-15
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: EQUIFAX, INC. (DE)

I am writing to file a complain against ( Equifax credit services ) for their failure to remove a fraudulent account from continues to remove fraudulent account from my credit report. 

I have filed a dispute on XXXX for credit card XXXX XXXX XXXX  account that was open by me being a victim of identity theft. Equifax investigated dispute removed the account from my name on XXXX, but then reported it back on credit report after their investigation and they removed it. FTC COMPLAINT was filed and provided to EQUIFAX CREDIT SERVICES to assist with dispute. I have disputed this same account with my stance being the same IT WAS NOT ME WHO OPENED THE ACCOUNT SOMEONE ELSE DONE IT THAT I DID NOT KNOW. Equifax or company has not showed, or provided me with any proof showing I am liable for this account but continues to report on my credit report. 

This fraudulent account is damaging my credit score and could make it difficult for me to obtain loans, rent an apartment, or secure other forms of credit. I request the CFPB to investigate this matter and instruct EQUIFAX CREDIT SERVICES to, IMMEDIATELY remove the fraudulent account from my credit report and provide me with a copy of my updated report showing the removal.
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (GA)

I am writing to dispute the following information that appears on my report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$7800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$3000.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX  XXXX and a balance of {$4400.00}. The original creditor is XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$2600.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MA)

I applied for a Costco Anywhere Visa credit card account by filling out an electronic application inside the store itself. I was told it would need a few days. 

On XX/XX/year> I received a letter from Citi/Costco stating that my application was declined. The Application ID # was XXXX. The letter said it was declined because : My credit report shows no recent revolving balances My credit report reflects a lack of recent installment loan information My credit score ( per XXXX was XXXX as of XX/XX/year> I am XXXX XXXX XXXX so, of course, I don't have a mortgage or car loan anymore. Most people my age don't. And I pay my bills on time. 

The only reason I could have been declined is my age ( my birth date was submitted with my application ) since I can't figure out what is wrong with being debt-free with a credit score of XXXX.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

This letter formally expressesmy extreme disappointment with Truist Bank 's recent denial of my claim for unauthorized transactions. I believe the bank has incorrectly handled my case and respectfully request a more thorough review of this claim.Reason being that the claim was not done in a timely matter. I have never been made aware any time frame on discovery of claims. 

I discovered unauthorized transactions on my checking {$490.00} and on savings {$5400.00} account from XXXX in the total amount of {$5900.00}. Both accounts were opened on XX/XX/year> in the amount of {$6000.00} and myself or my XXXX brother has not been back to the bank or accessed these accounts since that day. I informed the Truist fraud department via phone immediately. The funds were in a joint account for my XXXX brother for his daily living needs. I was also informed that at this time that my brother 's wallet was previously stolen. In which I informed Truist bank, froze both accounts and filed a claim on XX/XX/year>. On XXXXvisited the local Truist bank to speak with a personal banker on duty to inform them of unauthorized transactions on both accounts and asked her to research those dates. She stated that the Truist bank data system did not have the information for my accounts no longer for that period. she also stated that if I had setup online banking with alerts, I would have been aware and prevented these unauthorized transactions. I was also informed that the savings account statement is mailed out every XXXXXXXX XXXX, well after the date I would be made aware of the fraud on my account. While speaking with the banker I let her know that I had already frozen the accounts and filed the claim and verified this by showing me this on her computer. I contacted the Truist fraud department on XX/XX/year> again to check on my claim status but they could not locate it. I had to start the claim process all over again which was very upsetting. 


I received Truist Affidavit of Fraud documents on XX/XX/year> but they were dated XX/XX/year> that stated they needed to be completed and notarized within XXXX XXXX XXXX. A Fraud investigator contacted me via phone on XX/XX/year> to request that I email copies of my brothers ' and my Id 's needed for the claim. I stated that I would send it on XX/XX/year> and he stated that the would be fine. On XX/XX/year> I went to a Truist bank to get Truist Affidavit of Fraud notarized and faxed to Fraud claims department. 


On XX/XX/year> I received a denial letter from Truist Fraud Claims/Management dated XX/XX/year> concluding their investigation. Stating that my claim for reimbursement was denied because it did not report my claim in the required timeframe ( s ). As I stated previously, I was not informed of the required timeframe when reporting unauthorized transactions or fraud. 


Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I would like to file a complain because I am not able to place a credit freeze with Equifax. This a service which Equifax is legally required to make available to me for free. Onerous authentication requirements make this service inaccessible to me. 

First I attempted to authenticate on the web site. I was able to create an account, but the site says, " Please give us a call : We can't complete your request at this time. Please call the Customer Care team. '' I called the provided phone number, and the customer service representative tried to authenticate me, but the process failed because I do not have a smart phone capable of opening the Document Verification link. When I visited those links in my browser, the site said, " The Document Verification Service should be launched in a mobile browser. '' The representative said there was not another way, so I expressed that I would like to file a complaint or speak to a supervisor or manager. He transferred me.

The supervisor offered to verify my identity by emailing me a link that required me to upload two documents, one showing my full Social Security Number ( SSN ) such as a pay stub, XXXX, or Social Security card, and another showing my current address such as a Driver 's License. Being in the middle of moving house, my Driver 's License no longer has my current address, but it does have the previous address, which is only two weeks out of date, and which I submitted with my account creation request on the web site. My employer does not include a full SSN on pay stubs or XXXX, and I was not able to locate a social security card. I believe I have never needed one before.

I'm finding this authentication process to be onerous. The assumption that every consumer will have a smartphone with a mobile browser is flawed. And the requirements for documentation are excessive : they are more than my bank requires to approve me for a home mortgage, and they are more than any landlord has required to rent a home to me. 

The supervisor confirmed there is no other option : I will have to wait for my bank to report the new address and/or obtain a social security card. But I don't want to wait that long due to the the recent XXXXXXXX XXXX XXXX XXXX 

I understand the need to protect consumer data from fraud, but if I can not freeze my file in the wake of a major data breach, the system is broken. 

Thank you for reviewing this complaint.
Consumer complaint received 2024-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (GA)

Credit Control , LLC keeps sending me collection notices saying that I owe them {$3600.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Credit Control , LLC keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked XXXX XXXX for a contract with my signature obligating me to this debt which they have not provided. This debt does not belong to me.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NY)

In XXXX, I posted a payment to my Fidelity Credit Card, operated by Elan Financial Services. 

XXXX Payment Thank You - {$5300.00} Transaction date XXXX Posted date XXXX Type Payment Reference number XXXX  XXXX The amount was almost approximately double my usual amount. 
In early XXXX, that same amount was posted back to my bank. 

I received a letter in XXXX on non-letterhead paper that the posting back to my bank was a mistake ( I had not noticed it ), and that I would be recharged in XXXX : XXXX Payment Posting Error {$5300.00} Transaction date XXXX Posted date XXXX Type Adjustment Reference number XXXX XXXX This increased my bill for XXXX to XXXX. This is approximately 3 times my usual amount, which is not insignificant to me. 

I recently received a message in my email for an offer to " Consolidate and save with a balance transfer.. '' which expires XX/XX/XXXX. 

I do get these offers, but I received one in XXXX AND XXXX. 

I just want to alert the CFPB that this happened in case it was not a mistake, but a way to guide me towards a balance transfer. 

I work with information and computers, and it I find it hard to believe that such a simple mistake could be made. It is at least concerning. 

I have all documentation for this, so if you need more information, please contact me. Thanks. 
XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ULRS, Inc. (FL)

From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX To : CREDIT COLLECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice to my credit XX/XX/year> regarding account # XXXX. 

Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 

I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

In XXXX of XXXX, I received a non-itemized bill in the mail from XXXX XXXX XXXX for over {$2000.00}. I immediately wrote a letter directly to XXXX XXXX XXXX at their headquarters in Louisiana disputing the bill and asking for clarification on what service they supposedly provided. I never heard back from them. 

In XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX seeking payment of {$2000.00} on behalf of XXXX XXXX XXXX. Again, I immediately wrote a letter to XXXX XXXX XXXX XXXX disputing the bill, asking for clarification on what the bill could be about and included the original letter I sent to XXXX XXXX XXXX. I never heard from XXXX XXXX again. 

About seven weeks ago, XXXX XXXX notified me that someone had placed a collection on my account. The collection came from Amsher Collection Services and was on behalf of XXXX XXXX XXXX. Amsher Collection Services never contacted me prior to them placing this collection on my account. Upon finding out about the collection on my account, I sent a certified letter to Amsher Collection Services disputing the claim again and demanding they take the collection off of my account since they hadn't followed the guidelines set out by Consumer Financial Protection Burearu. Amsher signed for this certified dispute letter on XX/XX/XXXX. I have yet to hear anything from them. 

So I am filing this dispute with your agency in hopes of ending this matter. Amsher Collection Services and XXXX XXXX XXXX have both failed to follow XXXX  guidelines for debt collection and have failed to even establish what service they think they performed.