davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I received a letter from Bank of America informing me that it has decided to close my A/c # XXXX, after more than 14 years of mutual business and on time payments. The letter stated : '' After a review of your account, we determined your risk profile no longer aligns with our risk tolerance ... ''. I attempted to contact B & A via phone, emails and registered mail trying to fine out the reason for their decision, but they responded that they do NOT have to tell me the reason. I've accumulated over XXXX in cash rewards balance on previous transactions using this account, which would be converted into an actual cash. I wrote them a registered mail letter making the following requests : XXXX ) credit my account with the two charges from XXXX which add up to almost over {$220.00} ( I've received emails from XXXX advising me that they have credited my account ) ; XXXX ) Re-instate my reward points and convert them to cash value towards my current balance. Then, I'll be willing to pay any outstand balance that was sent by XXXX to my account, which makes the reported information INACCURATE! It's a travesty when a financial institution acts like a COWBOY without any regards to ethical and integrity standards!
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CBE Group, Inc. (ME)

Here 's a description of what happened without including personal information : In XXXX, I went through a divorce from my XXXX. Since XXXX, I have been living and working full-time in the XXXX XXXX XXXX XXXX XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) XXXX 
I recently discovered that an account with XXXX XXXX was opened without my knowledge or consent. I believe that my ex-wife, her friends, boyfriends, or family members may have opened this account, along with several other credit accounts, using my personal information after our divorce. My ex-wife knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. 
I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since XXXX, making it impossible for me to have opened or used this account. I have not had any utility accounts in the XXXX since XXXX. I am currently undergoing a background check for a security clearance renewal, and this account has reappeared on my credit report last month. 
The collection agency, XXXX, informed me that they are not licensed to collect overseas and refused to discuss the matter further since I am currently outside the XXXX as a XXXX. However, they did mention that the debt appears to be from XXXX XXXX. 
When I contacted XXXX XXXX, they simply instructed me to pay the collection agency and hung up the phone without providing any further information or assistance. 
I am requesting that this fraudulent account be removed from my credit report and that the companies involved investigate the matter thoroughly, as I have never had an account with XXXX XXXX and have been living abroad since XXXX.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I received a credit report I noticed a lot of unauthorized inquiries all around The same that I have not done myself or been to these places I have not given anyone my information so someone else must have done it I ask at the time they be removed by law as inaccurate information and unauthorized use of personal information by FCRA Permissible Purpose law please look at my report & & remove these XXXX unauthorized hard inquiries on dates of XXXX & & XXXX and date of XXXX car dealerships all have used my report in some way reporting wrong information that I have not done myself if my information was in use it was not me I have made a report with the Federal trade commission XXXX the scams and bad business being reported to my account. I asked that they all be removed and terminated it immediately.
Consumer complaint received 2023-09-01
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. (NV)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

XX/XX/XXXX  I paid a company for service when the service was not provided. I requested my funds back the company ignored my calls and ignored my emails. I reached out to my financial institution for support and assistance, and retaining my money back they asked me for information which I provided denied the claim, stating that the information I provided was not sufficient enough. The information I provided is all of the information that I have they told me to log back in and resubmit my complaint. I asked them once I resubmit my complaint what information can I furnish to them because the information I furnished the first time is the only information that I have available. The information that I submitted was a email conversation requesting my funds back, and why I was requesting my funds back I also submitted the information on the question that was asked what service was supposed to be provided that was not provided to me, the representative was rude told me he does not know what to tell me and told me the best he can tell me is to just resubmit it with the information that I have. When I asked him, would that get me denied again? He said it possibly could. After logging into my Navy Federal account. I went to search the original dispute submitted and I could not find it. I did however, find a message where they asked me to submit a second review.
Consumer complaint received 2023-07-24
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'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 2024-05-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I recently purchased two ( 2 ) " XXXX '' brand Prepaid VISA cards. These cards were are distributed and serviced by InComm Financial Services Inc.

Both cards in this complaint were defective and could not be used to make a single purchase. When I tried to make a purchase with these cards, payment terminals always responded with the message " Not Authorized ''.

I asked InComm Financial Services for the refund of the total amount paid ( {$1000.00} ) and opened their Case # XXXX. 
I also submitted all requested materials on XX/XX/XXXX and XX/XX/XXXX. 
However the company didn't act in good faith, and kept asking to repeat the same submission multiple times without issuing the refund.
Consumer complaint received 2023-12-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (FL)

I sent to two of their emails two full and complete applications for mortgage assistance, on the XXXX of XXXX and the XXXX. When I called in to check since they said five days, I called over a week later to be told that one email was not being monitored and they see no application what so ever being sent regardless of my mailbox saying it went through. told them I tried to do the application on the web site but it kept saying error to their response we are aware been having issues with the system. They then asked me to fax it, this was XXXX days before XXXX XXXX. I tried but would not go through. I am then told their systems had been hacked and at the same time I discovered that my bank account had been breached and my bank put my account on hold once I mentioned the situation with loancareXXXX XXXX XXXX I could not have my account bank up and running until I got my new card. I tried to call the company but now all lines are down. I called because I had my payments set up but now would not go through because my bank account was hacked. I attempted on the XXXX th of XXXX to do the application on line and it appears they said they would contact in XXXX days I also resent it again for a third time the whole application for assistance to the email they said to send it to. Weather or not their hack has anything to do with my bank account breach I dont know but at this moment I need to have this on file with an official complaint
Consumer complaint received 2023-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

In accordance with Fair Credit Reporting Act these original creditors and collection companies/debt buyers has violate my rights. Under 15 USC 1681 section 602 states I have a right to privacy.15 USC 1681 section 604 ( A ) section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late under any circumstances or purpose.Furthermore, under section 609 ( a ) ( 1 ) ( A ) credit reporting agencies are required by federal law to verify through physical verification an original signed consumer contract on any and all accounts posted to a consumers credit report.
Consumer complaint received 2024-05-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (CA)

This is a matter concerning Santander Consumer USA Inc. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I am now at serious risk of losing my home because of Santander consumer USA incorrect and inaccurate reporting to report to credit agencies. I feel this is a gross abuse of the credit laws and gross negligence on the part of Santander consumer USA. I am turning to the Consumer Financial Protection Bureau to report this abuse. I pray that CFPB will be able to assist in this matter and do whatever can be done to prevent future consumers from suffering the same abuse as I have. It should be noted that in good faith I have worked long and hard with Santander consumer USA to resolve this and feel I have been treated rudely and they have taken no accountability. I was told that Santander consumer USA would escalate this matter, this is negligence and abuse. Thank you for your help and consideration. Desired Outcome/Settlement Desired Settlement : Correction to a credit report
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-09-01
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. (AL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file.
Consumer complaint received 2023-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (CT)

Up until XXXX of this year, I had been 100 % on time with my mortgage payments, sometimes paying more than what was due. I had a late payment reported ( delinquency ) to the credit bureau for my missed payment that was due on XX/XX/XXXX because of my auto payment not going through. I'm not sure what the mishap was, but to my surprise I had a late fee of {$38.00} and a balance due of {$3300.00} when I opened my online account on XXXX. Be mindful of the fact that I never received any communication from my mortgage company ( no email, no phone call, no text ) regarding this late payment for which I was already reported. I did receive a paper notice in the mail but it was already too late. AS SOON as I saw I had a balance due I paid it in full on XX/XX/XXXX, for the late month payment ( XXXX ) and current month payment ( XXXX ) and a late fee. After paying, I called my mortgage company and got nowhere with my auto pay issue or my request for them to rescind the delinquency report. Today, I have confirmed my auto pay is working and am up to date with payments, but this mishap has costed me a great deal in credit worthiness as my score has been above XXXX for several years and dropped by XXXX points for ONE late payment.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I filed a dispute with Equifax and they replied this morning to say that their report is correct. It isnt!! They are showing a balance of over {$25000.00} on a XXXX XXXX loan that I paid off over a month ago and is now a XXXX balance. This is affecting my credit report and credit worthiness! 

I have also tried for several years without success to have 2 address locations removed from my report and they have not done that either! I have never lived at these addresses. Why is this company allowed to report when the information they have is inaccurate and they dont seem to give a XXXX. They cost people so much money by not having accurate information.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I went to pay my car insurance and my debit card was declined my credit card declined for gas at my over night shift at XXXX. Its the first of the month and all my bills are due. I called navy federal Saturday morning to find out why all mu accounts are declining and advised that they cNt XXXX  me or talk to me as security department froze the account. I advised today the XXXX and my bills are due i have grocerys to buy i am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I was told the branch cant help and i cant get any other information and nothing can be done. My savings is with this bank i just got paid friday and i dont have access to that as well this is wrong. I have no gas no good my bills are due and i still dont know why as i committed no fraud. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-09-01
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. (AL)

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 any following items 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. Here are the following items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (CA)

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 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have recently viewed my credit report and I found several accounts with discrepancies on my credit report that l did not authorize. I would like for these accounts to be removed and deleted from my credit report immediately. Thank you. Accounts with discrepancies : 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S. C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the tollowing Items or information Any other adverse item Or Information, Other than records Or convictions Or Crimes which antedates the report by more than XXXX years 15 U.S.. 16815-2 ( XXXX ) A person shall not tarnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate