davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (CO)

Key bank has taken funds without my knowledge out of my account, ive had transactions made in XXXX XXXX they said that i made them while i can not fly and did not leave the XXXX XXXX, Im going through a divorce right now and filing a XXXXXXXX XXXX case my mental health is at the lowest ever, ive had XXXX XXXX XXXX in the past 3 months. Im very tired and the money was taken away from me was going to be used for medical and legal purposes like paying a lawyer etc..
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX of XXXX I returned from a hike with XXXX XXXX. I went to my primary care doctor to get examined. He was unable to realize any immediate problem but wanted me to go to a XXXX  and ultimately the hospital for additional examinations. During an XXXX, it was discovered that I needed and immediate XXXX XXXX and on XX/XX/XXXX I had the XXXX XXXX XXXX. 
I fell behind on my mortgage payments as I could not work and was able to secure a loan modification from Nationstar Mortgage ( now Mr. Cooper ) in early XXXX. My recovery took much longer than expected and I fell behind on my mortgage payments again but was able to borrow enough money to make the payments up ( reinstatement of the loan, {$45000.00} ) in XXXX. 
Still unable to work I fell behind again and have filed numerous loan modifications over the last 18 months all with the same result ; they will not modify my loan as the payment will go up. I have continually stated " I will accept a higher payment as I can now afford it as I am working full time now. '' Mr. Cooper always says NO! I have secured the help of a HUD Counselor to see if he can get Mr. Cooper to agree to the higher payment ( just a few dollars more a month ) or allow me to make the payments I am behind by paying the mortgage plus 50 % ( I am {$23000.00} behind ) and of course they say NO! 
I have a loan modification in their hands now as directed by the HUD counselor and they served me with a Notice of Default on XX/XX/XXXX while in loan modification and while negotiating with the HUD counselor on my behalf. It seems their only interest and motivation is in getting my $ XXXX cash equity in my home. 
The actions by Mr. Cooper are very unfair as you have a person that wants to stay in his home of 15 years and wants to pay a higher modified mortgage payment or wants to pay the mortgage payment plus 50 % to make up the past payments but they say NO! It makes no sense! Please help me!
Consumer complaint received 2024-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

I tried to get a HELOC from Citizens Bank. The initial drive-by appraisal had our property size incorrectly listed as XXXX acres instead of the actual XXXX acres. They refused to correct it without an in home appraisal which we then scheduled. After the in home appraisal, the property size was incorrectly listed as XXXX acres yet again. After weeks of back and forth with citizens they finally adjusted the property size to XXXX acres and gave us a valuation of XXXX. 
I noticed other substantial errors on the appraisal in regard to the square footage. They had XXXX listed instead of the actual XXXX ( which I had proved via property record card from the county assessor ) as well as the year built being incorrect. In order to receive the best rate of XXXX 1.15 %, we needed to obtain a line of credit of XXXX. With the incorrect appraisal we were offered a XXXX line at a rate of XXXX XXXX %. 
They said the limit was based of a max of 80 % XXXX. 

They refuse to correct the appraisal which I believe would get us to the proper valuation. Using their value of XXXX sq/ft. 
( XXXX ) adjusted for the correct square footage of XXXX would then be {$440000.00}. Which would then lower the XXXX to 79 % at a {$100000.00} Line of Credit ultimately securing the lower interest rate.
Consumer complaint received 2024-06-26
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. (CA)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PR)

Greetings, To whom it may concern. 
In XX/XX/XXXX, I opened a business selling and installing water filters in XXXX XXXX XXXX. Despite having money saved, I wanted to start the business by building credit for the business using a loan or credit card. Even though loans were not very accessible, I saw offers for business credit cards with very attractive advantages such as XXXX INTEREST on purchases for an entire year. I applied in XX/XX/XXXX for an American Express credit card which was approved that same month. I did not have the need to use it until XX/XX/XXXX, to pay for products, accounting services, and payments to shipping companies, and purchases for the business. 
I had to enter my account information in XXXX for my first payment, and due to an error in my account name, that XXXX payment was returned. American Express sends me an email explaining the situation and I submit the payment with the help of a representative. It's all in the evidence attached right here. The payment was processed successfully. I continued using the credit card for purchases, and paying the card, however, this month, XXXX, I realized that they have been charging me interest since XXXX ( 29.99 % ). I didn't know because due to the configuration of my internet browser, I couldn't see those charges. I only saw their offers for promotions and some credit that I had paid and purchases, that part where it says interest charge and I didn't record seeing it. I use Brave as an internet browser. I asked before using the card if the XXXX interest was for a whole year on purchases, to be sure of its use, and they confirmed that it was. In XXXX, they asked me for a payment of XXXX dollars, because I had allegedly exceeded the payment limit with the card, I agreed to pay the amount of that payment {$940.00} dollars to have a healthy account. I made the payment in XX/XX/XXXX. In XXXX it turns out that as they explained to me, I never had the 0 % APR offer because it is an automated system that arbitrarily chooses the accounts, analyzes them, and demands payment of interest, without any explanation. I wrote to customer service to find out what was happening and they told me that they couldn't do anything and that I need to pay everything with 29.99 % interest. I looked for the papers they sent me with the rewards points documents and nowhere, can I see, what they are doing with my account. It seemed somewhat fraudulent and lying to me, and even more so when I personally wrote to them because I had questions about the balance transfer benefits if it was available, and they explained to me that I only had rewards and 0 % XXXX throughout the year. I have always paid the card and have also made other additional payments. Please make a report for bank fraud. Let me be obvious, I used the card the way they told me I could!! ( page XXXX ) I have attached all my conversations with AMERICAN EXPRESS. XXXX XXXX to last XXXX.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted EQUIFAX and told them that this inquiries are fradulent and provided proof, even though they told me that this inquiries were verifed. Please dispute and remove this fradulent information from 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 XXXX XXXX XXXX XXXX XXXX XXXX
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

My XXXX account was hacked and someone was attempting to scam people by selling fake XXXX XXXX tickets under my name. On XXXX XXXX, XXXX, I XXXX  how to report and attempt to regain access to my XXXX account. Once I spoke to them, they gave me instructions to download an app ( XXXX XXXX ). I didn't realize it at the time, but this app allowed them access to my phone. I was instructed to go into my XXXX, XXXX, and Truist bank account and they gave me different instructions to make sure none of these other accounts had been affected by the hackers. During this time, these people instructed me to send and receive different amounts of money through these accounts. I was told no money would be taken from my accounts. Two transactions were made ( {$1400.00} and {$500.00} ) through my XXXX. Once I realized money had actually been taken from my accounts, I reported it. XXXX and XXXX have both reviewed these transactions and have cleared all charges. I immediately placed a call to Truist on XXXX XXXX and the representative put a hold on my checking account. However, 2 transactions had already cleared from my XXXX account equaling the {$2000.00}. I did not authorize these transactions. I have filed a police report for the total amount of all three transactions ( XXXX, XXXX, and Truist ). A credit card was added to my XXXX account and money was attempted to be transferred to it that I did not authorize as well and funds sent to a company via XXXX that was later proven that I did not receive any goods from. These were all done at the same time as these XXXX transactions. I also have documentation where an unauthorized device was added to my Truist account on the same day as these transactions were made. None of this was authorized. I have sent a copy of the police report, XXXX and XXXX claims that have been resolved, as well as documentation showing the unauthorized device added to my Truist account into the claims department at Truist. My last conversation with Truist was Tuesday XX/XX/XXXX in which they keep telling me it is still under review and a final decision has not been made. I was told I would be notified within 24 hrs of their final decision but I still have not heard anything and the money is still gone from my account.
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (FL)

This auto loan was financed at XXXX in total the initial down payment was XXXX XXXX in cash the finance lender received XXXX in total from a period XXXX until XXXX the interest rate of loan is XXXX and a 72 month contract the principal amount of car is XXXX combined interest of XXXX it equals XXXX upon asking as a consumer for pay off request the sum of XXXX was quoted in XXXX and the lender informed me verbally on a recorded statement that pay off request dont include interest penalty fees or late charges then in XXXX the pay off request changed from XXXX, to XXXX mysteriously when asked as a consumer I was told there is penalties fees and late charges this is consumer fraud
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

Equifax 's website is broken. I've attempted to reset my login multiple times, each time I've updated my password the login fails. 

It's impossible for me to believe this isn't intentional, causing customers to call in and speak to someone only to hear a sales pitch. 

I just want to log in and unfreeze my report.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

Dear XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( XXXX ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

According to Federal law 15 U.S.C 1681, these agencies are not permitted to report inaccurate information! There are multiply addresses for me on my credit file. Only one is accurate and current. The need to be removed immediately to ensure the my consumer file is accurate and up to date. I have no delinquent accounts that should be reporting on my file. All of my cards are paid with less than 30 % utilization. There multiple incorrect names on my file.
Consumer complaint received 2023-11-03
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. (MO)

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter.

I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities.

I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$73.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$340.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.