davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Original complaint submitted XX/XX/XXXX ( ID # XXXX ) was in regards to 5th/3rd failure to mail me Notorized Raised Seal Discharge on XXXX XXXX # XXXX. Final pay-off ( XX/XX/XXXX ) which included a fee of XXXX dollars ( {$30.00} ) for filing and mailing of the Discharge. Upon filing the original complaint, and XXXX receiving said complaint, XX/XX/XXXX received letter dated XX/XX/XXXX from a XXXX XXXX in the Office of the President of 5th/3rd, along with a photocopy of the Discharge of Mortgage. Believing this photocopy was mailed to verify that the XXXX was released and that the original would be forth coming. Been patiently waiting for the Raised seal notarized discharge. Photocopy, is legal however, will not be excepted in any court of law or probate court as final. XXXX, XXXX, visited a XXXXXXXX XXXX with all my information. Was informed they could could not do anything in a branch office. Proceeded to go to the XXXX XXXX XXXX of Deeds, and they informed me it there would be {$30.00} feethat amount was included in all the fees when mortgage was originally paid off. On XX/XX/XXXX @ XXXX XXXX, placed a call XXXX XXXX @ XXXX reaching his email. Message identified case and issue ending the message that I expected the notorized raised seal discharge in 90 days or would be filing another complaint. Paid for the release once and should not have pay again. Before deciding on this new complaintreviewed and found numerous complaints against 5th/3rd for their failure to follow though with sending releases to borrowers. This bank needs to be admonished in public rather than just given a slap.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In early 2023 I received an email from Bank of America notifying me of my new Bank of America account. 

I contacted them to close it as I didnt open an account with them. I also told them I was a victim of identity theft and asked them to not open accounts online with my info. 

They told me they found it to be fraud and closed it. Stated the IP address used to open the account was totally different than the info in my credit report. 

Months later, in XX/XX/2023, I received 2 more emails from them about opening my new account 1 with Bank of America another with their subsidiary XXXX XXXX. 

I asked them to close them as theyre not mine. I also asked how did this happen again since I reported the previous account, notified them I was a victim of identity theft and asked them not to open any accounts with my info and they found the previous account to be fraud. 

They could not provide me with an adequate response.
Consumer complaint received 2024-08-05
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. (UT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removed of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-11-03
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. (TX)

I XXXX XXXX XXXX XXXX is a victim of Identity theft. These companies ( XXXX, XXXX, and Equifax ) utilized /furnished my consumer report without my authorized consent, or written instruction. My personal information was shared, presented and furnihed without my consent. Congress has stated that consumers have the right to privacy. These companies listed above, has violated my federal protected right to privacy. Failure to meet the needs of congress has had a negative impact. The companies listed has not exercised their responsibility to confidentially protect my personal information. The Fair credit Reporting Act was generated to enforce that the consumer reporting agencies provided fairness, and respect to the consumers right to privacy!

Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, Identity, and statement
Consumer complaint received 2023-12-16
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. (IL)

I am writing to file a formal complaint regarding the unresolved issues on my credit report. Despite my initial attempts to rectify inaccuracies, including the reporting of a late closed account, an account included in bankruptcy, and a public record, the information remains unchanged. 

Despite providing relevant supporting documentation and following the proper dispute procedures, there has been no resolution, and the inaccuracies persist. 

Enclosed with this letter, please find additional supporting documentation reaffirming the inaccuracies in question. I have attached : I request that your agency conducts a thorough and expedited investigation into the inaccurate information mentioned above. The continued presence of this misinformation is causing significant harm to my creditworthiness, and I insist on prompt corrective action. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough investigation into the inaccuracies outlined. 
Correct the information promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove tthe said items items in my credit file : XXXX XXXXXXXX XXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Consumer complaint received 2024-08-05
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX
Consumer complaint received 2024-05-09
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. (FL)

Based on my request for a reinvestigation of the account reported by XXXX XXXX XXXX on my consumer report, several key legal provisions are relevant, including 15 U.S.C. 1681a ( e ), 15 U.S.C. 1681i7, and 15 U.S.C. 1681g. 

1. **Verification Process** : I have the right to know how the account was verified and whether information solely from the alleged creditor was used, as per 15 U.S.C. 1681a ( e ). This provision outlines the parameters for investigative consumer reports and specifies that information obtained directly from a creditor or consumer reporting agency does not constitute an investigative consumer report. 

2. **Description of Investigation** : 15 U.S.C. 1681i7 mandates that the investigation be accurately described in its entirety. Any discrepancies in this description may indicate a failure to comply with the law. 

XXXX. **Disclosure of Information** : Under 15 U.S.C. 1681g, you are entitled to all disclosures of information on file, including the original contract with your wet ink signature and the XXXX disclosure forms mandated by 15 U.S.C. 6802. 

Given these legal requirements and your assertion of the account 's fraudulent nature, you demand the immediate removal of the account from your consumer report. Failure to provide the necessary disclosures and evidence to support the account 's validity would constitute a violation of consumer protection laws and necessitate its removal.
Consumer complaint received 2023-12-16
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. (NC)

On XX/XX/XXXX, I discovered that XXXX XXXX was reporting a charged off account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that XXXXXXXX XXXX breached there contract and violated there terms by reporting my non public personal information to third parties, namely Equifax, XXXX and XXXX pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. Additionally, XXXX XXXX was required to provide me with a purchase money loan pursuant to the Truth and Lending Act, 15 USC 1601 and regulation z which they failed to do. And XXXXXXXX XXXX  is also still currently reporting transaction history which is illegal. Also, being that this account is charged off it is considered a certificate of indebtedness which constitutes income and is not to be reported on my consumer report.
Consumer complaint received 2024-08-05
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance {$1700.00} XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX Balance XXXX {$1800.00} XXXX XXXXXXXX Balance : {$52000.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance XXXX {$1600.00}
Consumer complaint received 2024-08-05
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 sent a letter onto remove items that is 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/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 2024-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

On XX/XX/year>, I did a return for a desk to XXXX. The refund was issued back to the card ending in XXXX. The above card that the refund was issued back on to was linked to a Citi checking account I had closed. I reached out to XXXX who escalated the problem to billing and they were able to verify that Citi accepted the funds. I called Citi on XX/XX/year> for helping getting back the refund in the amount of {$64.00}. The customer service associate said to me that since the account was closed the refund would be rejected automatically and sent back to XXXX. I reached back out to XXXX who provided proof that Citi had accepted the funds. I called Citi on XX/XX/year> again for help tracking down the funds. Citi was extremely rude and started to request information that I didn't have to make it harder for me to get help. They asked for the checking account number but XXXX couldn't provide it. The statements were not available in the app or online since the account was closed. I pulled the emails I would get for the statements but when I clicked the link it would open up the app where again the statements where not available. I had all my information, including social security, the debit card #, address and the last four digits of the account # but they refused to help me. I also stated that I had two other CC  with them with the same information. I aksed if they could verify me that way but again they refused. They told me to visit a branch but I am located in XXXX and they do not have a branch here. I asked to get transferred to a supervisor who again was very rude, refused to help me since I didn't have the account # that I can't access anywhere on there site. She told me again to visit a branch and hung up on me. I have since closed both CC  with Citi aswell but I would like to receive my money back from the refund.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Credit Acceptance has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-12-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

My mortgage company before XXXX sold my account to XXXX. I started having payment issues with Newrez on XX/XX/2023 thought my payments of XXXX were going through. I received confirmation numbers but they would send the payments back. I tried paying both online and on phone. I asked why I was having the issue they said it was my bank or lack of funds. I was more than sure that have enough funds to pay, i called my bank they said it wasnt on their end. I tried paying online, and called made double payments so i pretty sure I had till XXXX paid. I did not go through. I paid online again. My bank shows multiple payments. Im sure I paid more now but they have confusing system. Now I have a low credit score and also the person who is on the loan with me.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Capital one placed its own fraud hold on an attempted purchase of mine online. The first phone call I placed to the Capital One fraud line, I gave all of the information required, verifying purchases, address, phone numbers, etc. I was then asked to give my login ID and password For my Capital One app to the representative. I said no. That in itself sounds fraudulent to me. He said I could go ahead and use the card, when I tried again, it was still declined. I called back. The next representative asked me to send a picture of my Rhode Island state ID to her, I said absolutely not, hung up and called back and got a third representative who told me that Capital One now requires this to unlock a card. I did not call them and report fraud. My card was used 50 times within the last XXXX weeks, its XXXX! if I am not reporting fraud and they are questioning it for some reason? Verifying purchase amounts, places and address and phone numbers should be enough to unlock a card. I have XXXX more and will just be using those from now on, not the point.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 XXXX XXXX chose to close my account as paid, as documented on previous dispute. They said they had submitted this account for deletion but it is still recording Voluntary Surrender on my report. Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report is to be EXCLUDED on the consumer reports, yet you are STILL reporting to my consumer reports. I demand that these items be removed from Experian, XXXX and XXXX immediately. This is great preventing and damaging my ability in obtaining lines of credit, & further my career.
Consumer complaint received 2023-12-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I am writing to you with a sense of urgency and frustration regarding the grave inaccuracies in my credit report. Your failure to report accurate information is affecting my ability to secure a mortgage and is also causing me a great deal of stress. I have discovered several errors on my credit report which are impacting my credit score, and I demand that you take immediate and necessary action to rectify them. I have done my research and I know that it is your legal obligation to investigate and resolve disputes within a 30-day period. The following are the inaccuracies that I have identified : WF XXXX XXXX, WF XXXX XXXX, WF XXXX XXXX, and XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.
Consumer complaint received 2024-08-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2024. 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.