davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ). This fraudulent, inaccurate, and false information consists of inquires for XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts and inquiries as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud.
Consumer complaint received 2023-07-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (LA)

Loan is with Lakeview Loan Servicing - Loan number XXXX. 

I have requested multiple times to delete escrow on a VA loan and pay taxes and insurance out of my own accounts. I have asked to delete escrow altogether. 

Twice, this request was submitted in writing formally, and denied after lengthy periods with no explanation. My understanding is that a VA loan requires no escrow withholding. This company tells me I simply do not qualify as " 80 % of home is still owed ''. 

In addition, after I documented at length through phone calls that I would be paying my own insurance and taxes, this mortgage company still paid my taxes and put me into an escrow deficiency. I have asked for a manager to call me, and no call back was ever received for an entire business week. 

I now have made an additional payment of {$3500.00} directly to escrow to avoid a mortgage increase, and this payment will occur on XX/XX/2023. This payment is scheduled directly for escrow, and prior to any rate or payment increase. I do not want another mortgage increase, and no further escrow analysis has been done prior to this payment being made. In short, this payment should pre-empt any change and keep my mortgage how it is structured. 

Last, I plan to submit additional mortgage deletion requests in writing because I do not want this predatory practice to " manipulate my escrow '' to continue.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XXXX and XXXX of XXXX, mail was stolen from XXXX XXXX XXXX in XXXX, MA. Since the pandemic, it has become common for church members to mail offering to the church in the form of personal checks. 

Numerous checks were stolen including a check for {$1500.00} from me. We later discovered that XXXX XXXX allowed them to be deposited in an ATM without checking the ID of the person cashing them, without requiring an endorsement, and without ever verifying that the person cashing the checks was the person the checks were written to. 

The thefts were discovered and reported to police in XX/XX/XXXX. It is my understanding that the police have identified the suspects in the theft and a warrant has been issued for their arrest. 

I filed a claim with my bank, Citizens Bank, at that time. I have basically called them every couple of months since this time, and they are telling me that they have filed a claim with XXXX XXXX to return the funds to my account but that XXXX XXXX refuses to respond to them. 

Here are my two issues. 

XXXX. XXXX XXXX  ( and other banks, as well ) engaged in an appalling lack of internal controls with respect to deposits of personal check into their ATM system. If you go in person to deposit a check the teller confirms the names the check to the name of the person or account receiving the money. The fact that this doesn't happen for ATM deposits is irresponsibility bordering on the criminal. Quite honestly, the hassle that myself and the church have had to go through because XXXX XXXX refuses to do its basic job deserves a gigantic fine and a restitution paid to XXXX XXXX XXXX for its time and effort correcting XXXX XXXX 's massive security failure. 

XXXX. Once the fraud was discovered, that money should have been returned immediately to the people who XXXX XXXX  allowed to have money stolen from them. This shouldn't be multiple phone call and ultimately a complaint to the CFPB.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. XXXX XXXX , XXXX XXXX XXXXXXXX , XXXX. XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2024-03-08
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the XXXX items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXXwww.ftc.gov to file a report Per FCRA XXXX XXXX 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 that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
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. (NY)

I am formally submitting a follow up complaint regarding the fraudulent items currently affecting my credit reports. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I assert my right to accurate and timely credit information, and I insist on the preservation of these rights. The ongoing presence of these XXXX  items on my credit reports is unacceptable, and their immediate removal is imperative. I hereby request the swift removal of the following inquiries from my credit report without further delay : EXPERIAN : 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 I must emphasize that under the FCRA, credit bureaus are obliged to investigate and respond to consumer disputes within 30 days. Accordingly, I demand written confirmation of the removal of the fraudulent items from my credit file within XXXX business days. Failure to address this matter promptly will compel me to pursue legal action against your organization.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA ()

I am writing to express my extreme dissatisfaction with the service I have received regarding my XXXX savings account. My account has been locked for two weeks now, and despite multiple calls to customer service, the issue remains unresolved. 

XXXX of Events : XX/XX/XXXX : I called customer service and was informed that my account was locked due to identity verification issues. I was told that an affidavit of identity would be mailed to me within 7-10 days. 

XX/XX/XXXX : I called again to follow up and received the same response as before, with no new updates or solutions offered. 

XX/XX/XXXX : Despite waiting for the promised affidavit, I have yet to receive it. Another call to customer service yielded the same response as my previous interactions. 

I have approximately {$15000.00} in my account, and the fact that I am being withheld access to my own money is unacceptable and highly concerning. This situation not only disrupts my financial planning but also erodes my trust in XXXX as a reliable financial institution. 

I demand immediate action to resolve this issue. Please expedite the process of sending the affidavit of identity and unlocking my account. Failure to do so will force me to consider alternative actions, including filing a formal complaint with regulatory bodies and seeking legal advice.
Consumer complaint received 2024-03-08
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. (AZ)

I am writing to express my deep concern regarding the late opening of account with your company. As a valued customer, I have always appreciated the quality of service and products provided by Credit Bureaus, but recent delays in account processing have been significantly inconvenient and frustrating. I submitted applications to open account with your company, providing all required documentation and fulfilling necessary formalities promptly. However, to my dismay, I have yet to receive confirmation of the account openings, despite the considerable time that has passed since my initial submission. These delays have not only disrupted my operations but have also caused financial implications for my business. I rely on timely access to account with your company to facilitate smooth transactions and maintain a healthy business relationship. The prolonged processing time is unacceptable and has tarnished my perception of your company 's reliability and efficiency. I urge you to address this matter with the utmost urgency and expedite the processing of my account openings. Prompt action to rectify this situation will demonstrate your commitment to customer satisfaction and help restore my confidence in your services. Please provide me with a concrete timeline for the completion of this process and any necessary steps I can take to expedite the resolution. Additionally, I would appreciate regular updates on the status of my account openings until they are finalized. Thank you for your attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent similar occurrences in the future. I am asking for your assisstance to correct these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

I submitted valid and up-to-date information after my Discover It Card verification process. Much later, I received an email about possible account deactivation, stating that the information I was presumed to be incomplete, illegible, or invalid. I have been waiting to receive my card in the mail after having this card on file for months. 

After an email stating they " were unable to verify personal information on your account, '' Discover closed my account without further notice. Now, I am ineligible to apply for a new Discover IT or Discover credit card after talking to three different customer service and account support, and from what I was told, even with my reasoning, I am now being excluded from reapplying and being accepted in the future for a Discover Card for which I was previously accepted. Even though I paid off the card before each due date and correctly used it, overall, it increased my credit score. From what I had been told, this error was address-related. This is likely regarding me moving over the summer for work, as I had changed the address on the account. I even submitted the correct form verification I was sent, yet my account was still deactivated. Now, with this being an issue, it has the possibility of lowering my credit score and making it increasingly difficult to apply for different credit cards. 

As a college student building their credit, I am attempting to apply for new Discover Cards. However, due to a simple miscommunication, my applications are now not equally considered.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to bring to your attention a matter of utmost urgency concerning the presence of fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, significantly impacting my financial well-being. 
This complaint is a formal notification of the urgent need for the swift removal of these fraudulent items from my credit report. Upon discovering these unauthorized entries, I immediately took action to dispute them in accordance with the established procedures outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. Given the severity of the situation and the potential implications for my financial stability, I urge you to expedite the process of investigating and removing these fraudulent items from my credit report. Prompt action is essential to mitigate any further damage to my creditworthiness and to restore the integrity of my credit history. I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report. Written confirmation of the removal and updated credit reports reflecting the correction. XXXX of ongoing monitoring and protection against future instances of fraud or identity theft. I emphasize the critical nature of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and explore all available legal avenues to seek redress. I trust that you will treat this complaint with the urgency and seriousness it warrants. I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (ID)

In the beginning of XXXX, I closed my savings account with about {$4000.00} still in the account. When I tried to get the funds back, Chase bank stated that they were having trouble releasing the funds to me as the account was already closed. I escalated this issue multiple times and I had gotten some excuse saying that XXXX was making it difficult. I understood and gave it some time. They also stated they would reimburse my balance plus more, making it {$5000.00}. It is now XXXX, and, after multiple promises to release the funds to me, I still do not have it.
Consumer complaint received 2024-07-08
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes to Equifax about 2 collection items listed on my credit report from XXXX XXXX XXXX and XXXX XXXX. The original creditors of these items are as follows : XXXX XXXX XXXX original creditor is XXXX XXXXXXXX XXXX XXXX and XXXX XXXX original creditor is XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is for {$1000.00} which was first opened XX/XX/XXXX. XXXX XXXX XXXX amount is for {$1300.00} which was first opened XX/XX/XXXX. In these disputes, I expressed that the original creditors, XXXXXXXX XXXX XXXX XXXX and XXXX violated my consumer right to privacy pursuant to 15 USC 1681b 2. XXXXXXXX XXXX XXXX XXXX does not have permission to report anything to my credit report using my information pursuant to 15 USC 1681 4. I would like these items removed from my credit report immediately in accordance with my rights under the Fair Credit Reporting Act.