davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I request that XXXX investigates my case and removes incorrect information that was noted on my credit scores. XXXX claims that my payments were not made on time and the account was noted as a loss with a " Chargeoff '' and " Repossession '' - all my payments were made ahead of schedule as shown in documentation provided and statements issued by XXXX that show no outstanding balance or late fees. In fact, XXXX just issued me a refund on XXXX for the sell of the car which shows that my account was not at a loss. Also, on calls with XXXX from the XXXXXXXX XXXX  XXXX Department, she confirmed that XXXX issued repossession due to internal paperwork ; not because I defaulted on my account. XXXX was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed. While the lawsuit with the party at fault was ongoing, XXXX asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account- the agreement was for XXXX to pick up the car and I would continue to make my payments so that XXXX would not report anything to the credit bureaus ( as noted in total loss statement from XXXX and provided in documentation ). I did not default on this promise and XXXX has not kept their word and instead issued negative derogatory marks on my credit scores. XXXX from XXXX has not responded in writing to my XX/XX/year> email ( email provided in documentation ). XXXX has misled me and has not held their end in following their due diligence. They need to own up to what they agreed to on phone calls and remove all negative derogatory marks on my credit scores.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been diligent in making my monthly payments and find it unacceptable that a late payment has been recorded on my account. I can verify that I have never been late with this account, and therefore request that this late payment be removed.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (IL)

I received a letter from XXXX XXXX XXXX, XX/XX/year>, saying that the FRAUDULENT information is accurate being reported to the credit bureaus and left her phone number XXXX XXXX XXXX Ext XXXX. 

I have called her several times and left messages she has never returned any phone calls, XX/XX/XXXX, and XX/XX/XXXX. 

After explaining this to the Police trying to get a Police Report for what seems like identity theft, the Police said no this is inside the bank and a matter to be disputed because the bank is aware of the cards that have been replaced and sent to you if someone outside the bank is using your card then we can do a report for fraud. 

They said these are some shady people at the bank and if this is not corrected notify Consumer Financial Protection and the Attorney General and another financial regulator. 

US Bank sent me an envelope with 10 pages as if, I was receiving a credit card but no card was in the envelope. 

.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Hello, On XX/XX/2023, Citibank has closed my checking account due to a " security concern ''. I have reached out to their customer service and they refuse to disclose the reason to me over the phone. They closed my account right after I opened my account on XX/XX/2023, and deposited $ XXXX to the account so I can qualify for their checking account bonus. I didn't even had intentions to open a Citibank Checking account but Citibank kept emailing me about their checking account bonus nonstop so I decided to give a try. 

I have been their customer over a year and I own 2 credit cards which is I do not get what is their security concern about. I also have a XXXX Credit Score and have few checkings account with different banks. The customer rep mentioned me they wont release the funds to me 30-60 days although I need those funds immediately since this money is material to me to operate my daily activities.
Consumer complaint received 2024-02-01
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. (GA)

I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. 

Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies through your XXXX, XXXX, and Transunion 's dispute resolution process on XXXX  providing all necessary supporting documentation. 

Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. 

I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 


In Accordance with the Fair Credit Reporting act My name, address and work is incorrect on my credit file. 

and it has violated my rights. 

correction of ( name ) should be : XXXX XXXX XXXX corrections of ( Date Of Birth ) XXXX correction of ( Social Security # ) : XXXX correction of address should be : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Correction of Employer should be : XXXX XXXX 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My identity was recently used to open accounts in my name using my personal information that was exposed in the XXXX mass data breach. Now someone has been opening accounts under my name and making charges to other accounts without my knowledge. I have contacted the creditors and this bureau several times to notify them of the fraud and there has been no action taken! I am demanding that this information be removed immediately as it is fraudulent. This is an official NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA XXXX5 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt XXXXollectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I request that XXXX investigates my case and removes incorrect information that was noted on my credit scores. XXXX claims that my payments were not made on time and the account was noted as a loss with a " Chargeoff '' and " Repossession '' - all my payments were made ahead of schedule as shown in documentation provided and statements issued by XXXX that show no outstanding balance or late fees. In fact, XXXX just issued me a refund on XXXX for the sell of the car which shows that my account was not at a loss. Also, on calls with XXXX from the XXXXXXXX XXXX  XXXX Department, she confirmed that XXXX issued repossession due to internal paperwork ; not because I defaulted on my account. XXXX was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed. While the lawsuit with the party at fault was ongoing, XXXX asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account- the agreement was for XXXX to pick up the car and I would continue to make my payments so that XXXX would not report anything to the credit bureaus ( as noted in total loss statement from XXXX and provided in documentation ). I did not default on this promise and XXXX has not kept their word and instead issued negative derogatory marks on my credit scores. XXXX from XXXX has not responded in writing to my XX/XX/16 email ( email provided in documentation ). XXXX has misled me and has not held their end in following their due diligence. They need to own up to what they agreed to on phone calls and remove all negative derogatory marks on my credit scores.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had a trust account in XXXX  XXXX  some how my XXXX tex return was deposited in that account the amount of {$7100.00} is was a wrong deposit so the bank locked my account and then Supposedly sent back the money to the irs was thay never got back the money I was in contact with irs filed a complaint the answer was that the money was never returned I know you will as y I'm just now filling a complaint a this is because I did know about filling a complaint a friend of mine that had a similar problem with capital one told me about filling a XXXX complaint I'm still hopping to get my money
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I was scammed by someone calling me using my bank phone number, impersonating himself to be my bank agent. They had me locked out of my bank account and told me to send them 4k. They had my identity, credit card numbers and access to my bank account. They told me I was part of a money laundering sceam. They had me cashapp them 4k through my checking account and when I realized I was being scammed it was too late. Cashapp wouldn't reimburse the money and my bank won't reimburse me for the money they sole from my credit card account.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

XXXX XXXX is an account that has been reporting incorrect information. When XXXX was notified they sent a letter in response asking for verification of address. before verification was even sent they closed the dispute. When called them said the account was updated didnt list how it was or in what manner. Account still has no information that relates to me as a user. All personal information on account does not match any XX/XX/XXXX address Ive ever resided at. All information ok account does not match XXXX file. When asked how dispute was ran they stated we asked the company and they said it was correct. Verbally stating they did not actually run dispute. This has been the 3 situation theyve not ran the dispute and had to come back and remove a file after fraudulently claiming they ran a Dipsute at FCRA standards. They have continuously stated they have but will not actually run dispute correctly unless legal actions are taken against them. They have 0 validation for debt as their source XXXX has no information for debt.
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/year> - I received a call from a Navy Federal imposter, very sophisticated, the representative knew all of my confidential information. He caught me off guard, gained my trust and manipulated me into transferring funds. In the process he applied for a loan while in my account, using Navy Federal codes and correspondences. In hindsight, I recognize that the phone call wasnt in good faith. The loan is still needing to be satisfied, my battle with Navy Federal is that they are not assuming any of the responsibility of my account/confidentiality being compromised and demanding that I pay a loan that I did not use the funds. The representative mentioned that this happens severally. It seems as if Navy Federal are punishing their customers for their lack of security of protecting accounts and personal information. I would like further investigation because if this is an ongoing issue what is being done about it. Navy Federal keeps reiterating that I initiated the transfer. But I did not willingly log in my account and apply for loan to give away {$4000.00}. To date, my claim has been denied and they are expecting repayment in XXXX.
Consumer complaint received 2024-07-10
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. (NC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, The TransUnion credit reporting agency XXXX XXXX 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. These fraudulent accounts consist of a XXXX loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (NC)

We closed on our home in XX/XX/XXXX with a monthly payment of {$1200.00} including escrow. As of XX/XX/XXXX our payment increased to {$1500.00} including escrow. Due to that increase I wanted to work on removing escrow so that I could manage my budget and not have continued increased due to shortage etc. 

XXXX. XX/XX/XXXX We spoke to a representative in order to get escrow removed they suggested we bring escrow account to current so we paid {$1200.00} for shortage on account. 
XXXX. XX/XX/XXXX We spoke to representative that stated now that shortage was cleared we needed to send check of {$190.00} to complete the appraisal payment to remove XXXX  then we could remove escrow. 
XXXX. XX/XX/XXXX Check had still not cleared XXXX. XX/XX/XXXX PHH requested we send a new check since they still hadnt received the original check XXXX XXXX. XX/XX/XXXX PHH cashed new certified check XXXX and appraisal was ordered XXXX. XX/XX/XXXX XXXX approved XXXX  removal XXXX. XX/XX/XXXX XXXX denied my escrow removal due to XXXX and TAXES being due in 30 days XXXX. XX/XX/XXXX I paid my taxes XXXX. XX/XX/XXXX I spoke to a XXXX XXXX @ PHH that stated we would submit proof to tax department of payments so we remove escrow. 
XXXX. XX/XX/XXXX PHH denied my escrow removal due to XXXX even though we had ordered and received a new appraisal through PHH that stated our property was at 50 % XXXX XXXX. XX/XX/XXXX I spoke to another escalation XXXX from PHH that stated they were submitting request to escrow department on why we could use new appraised value to remove escrow. 
XXXX. XX/XX/XXXX I spoke to another escalation XXXX that stated the PHH investor guidelines states in order to remove escrow they must use original appraised value.

I have followed every step that PHH has advised me to complete in order to remove escrow and I am still not allowed to. I have never made a late payment on my mortgage and know that an escrow account is not XXXX.
Consumer complaint received 2024-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NM)

This is about the Home Depot charge card issued from Citibank, in which my owed amount went up quickly. I noticed double charges and an unidentified person had requested that a duplicate card be sent to my address. I kept receiving emails indicating someone else was in my account which made it look like it was me. It was not. Additionally, a payment exceeding {$2000.00} was not credited to my account even though I have the receipts in my email. I tried to bring this up with customer service through Citibank 's chat feature and was only told to email the hardship debt resolution center. I called and got put on hold for over four hours causing me to give up and I decided they would contact me when I didn't pay the bill. My credit limit also got reduced significantly enough to lower my credit score excluding me from being accepted to a consolidating loan I was considering. This created a snowball effect and my credit suffered immensely. My charge account was referred to XXXX XXXX  XXXX without notice and I was summoned to court. Before I was summoned to court, XXXX called me and I informed them of the fraudulent actions on my account. They ignored it and took me to court anyway. Because I was representing myself, I never got a hearing and my case was pushed into a default judgment. I never received anything from the court about my case even though I answered the complaint timely. About a month after the default judgment, XXXX sent me a form to fill out about the fraud, they required a convicted person for proof. I filed an identity theft report and affidavit with the FTC and mailed it to them plus the three credit reporting agencies. At this point, I am at a loss because neither the credit agencies, the debt collector, the bank, or the store has taken me seriously. I know I owe some of the debt, but the amount I owe is significantly less than I am being accused of. This is a complaint against Home Depot for the security of their system whether its employees or outside the store, Citibank for not investigating, XXXX for not stopping collection actions until investigated, and the civil court in my district for ignoring my side of the case and not providing me with the answers I needed to defend myself properly, including where and how to file motions.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

Multiple credit cards were opened up and purchases were made with credit cards in my name that are fraudulent and not made by me. 
I have contacted Macys/Citi Bank multiple times and they have incorrect information and are reporting incorrectly on my credit report. They have an account and credit card opened up in a name that is NOT MY LEGAL GOVERNMENT NAME