davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance of the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (FL)

My mortgage is through XXXX XXXX Mortgage and I just found out that my loan was being sub-serviced by Dovenmuhle Inc, from Respa documents submitted on XX/XX/XXXX transferring the servicing back to Cross Country Mortgage. To the best of my knowledge I was never notified of that another company was sub-servicing my loan and no notice was sent when the transfer to Dovenmuhle Inc. occurred. While, servicing my loan Dovenmuhle Inc. has violated several Respa statues to include : not running an escrow analysis when they were informed of the exemption of property taxes/ Dovenmuhle inc. forwarded funds from escrow putting account in deficit. Dovenmuhle Inc also continues to charge us more than XX/XX/XXXX of our annual escrow payment and is holding more than XXXX of a cushion in XXXX. Currently, my escrow account has {$1500.00} and there are no other escrow items are due for this year. They continue to charge me {$1000.00} each month for my escrow account and refuse to conduct an escrow analysis. I have tried to fix these issues numerous times with this company but they deny any wrong doing and refuse to do anything but charge me more and more money.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

FIfth third bank filed a complaint to garnish my wages for an account Ive had no knowledge of and that I never opened, I was contacted by a mediate company randomly stating I owe a sum of {$1100.00}, I tried to explain that I never had a account with FiFth third bank and that I was a victim of identity theft years ago, the address they have on file for the account was a address I moved out of over 10 years ago and from what I was told the account was sent to collections in 2019, also I contacted the Fifth third bank customers service and they could not give me any information on when the account was opened, I never received ANY mail or letters pertaining to this false account.
Consumer complaint received 2018-09-13
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. (NJ)

XXXX/ Experian/ XXXX, Were all notified in XXXX of my dispute with a particular collection account reporting on my credit file and did not provide me with physical proof this account belong to me or if its accurate ... 
As Law Requires by, FCRA. 

All bureaus just stated verified in monthly report. 

Finally, XXXX XXXX Removed this Collection but as of XX/XX/XXXX XXXX   has indicated the account has begin to report to XXXX once again after being removed. 

Neither bureau has giving me method of verification as requested in XXXX which is my concern as I continue to address this matter nineteen months later. 

How was this account verified in XXXX?
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (ME)

My Credit Line was suspended in XX/XX/2023 due to non payment. I was not aware of this until XXXX, 2023, as I tried to use the card for a purchase. In XXXX, 2023, i paid off most of the account, not knowing it was suspended. The account manager i spoke with, did not inform me that my account was suspended. I put myself in financial trouble trying to pay this balance off. 

The reason why the card was maxed out was that i had XXXX in XXXX and so did my daughter. I had to purchase everything with XXXX XXXX. It was very expensive. 
Since, my suspension, i was told nothing more than suspension reviews were conducted every month. I was given no review, or opportunity or even instruction on how to re-instate my account. 

In XX/XX/2023, I spoke with a review manager on the account and was told that my account would not be re-instated until my debt was paid off on my credit report from another company, not Discover. 
How is this right? I am forced to pay a credit card i can not use, and not able to use it because I owe a different company money.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-12-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (NY)

I closed two American Express Savings accounts on XXXX XXXX One account had approximately {$7000.00} The other account had approximately {$17000.00} I was told regarding the first delay to stop payment and they would issue new checks which I did in early XXXX They have said new checks were issued but I have still not received them It has been over 90 days without receipt of funds
Consumer complaint received 2024-05-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc. (GA)

Hey. I'm a consumer. My mom calls me XXXX and my family name is XXXX.I have been with Kikoff Lending for a long time, and I have always appreciated the good value and service I have received from Kikoff Lending. Recently, I checked my credit report and noticed a mistake. I was devastated to see a late payment show up from dates XX/XX/XXXX and XX/XX/XXXX. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to keep spreading the good word of Kikoff Lending and will be happy to continue to do so as soon as we get this matter cleared up. Will you kindly send me proof of following proper procedures as i know i wasnt notified 21 days before with a statement as required by Law so there should be no late payments on this accounts.
Consumer complaint received 2023-12-03
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. (TN)

I have been trying to remove fraudulent accounts from my credit report due to identity theft. The disputes I am filing are not being done correctly and the paperwork I am submitting is not being attached. The FTC reports are not being sent to the creditors and I am not getting copies of the verification process that I am requesting according to the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was a victim of fraud. I was in the hospital fighting for my life for almost XXXX years. I have the paper work to prove this. A relative of my mine opened up XXXX credit cards in my name without permission. I do not want to be held responsible for these account. I have supporting document from the XXXX  supporting my claim.
Consumer complaint received 2023-07-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (GA)

I bought a car from us auto sales they shut down and sold my contract to a debt collector the car is still under warranty In the shop and they won't pay Westlake financial says I owe but they don't have the original contract from us auto sales
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VEROS CREDIT, LLC. (CA)

The company has false records, and claims I never tried to fix the car thats as sold to me, also the company claims that referring to me with a total different name is just a typo, their claims are not credible if they have typos not misspelling my name but referring to me with a whole different name, I have tried to settle this with the company and they refuse to help in any way. I called them and told them I wanted to remove that off my credit, and with the law and statues of limitations in California it should be off of my credit with in 7 years anyways and they said no that it is going to stay in my credit forever, all of their claims are false and misleading, I demand for them to take this off of my credit as soon as possible, it is illegal what they are doing and unethical, I already reported this to the state attorneys office as well and I will not stop till they take this off my credit, the way they act is as they always want to attack instead of helping their customers I have had a very bad stressful time because of them, I have been doing my research and I am not the first one to go through this with them, they practice this all the time. The records they have are false and their claims of them referring to me with a different name and gender as just a typo is unethical, and not professional, what ever is in their best interest they claim is just an error but everything else is not? How is that possible? They also updated a closed account balance as retaliation since I started my disputes. This is not professional.
Consumer complaint received 2018-09-13
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: Experian Information Solutions Inc. (GA)

Dear Credit Bureau : I pulled a copy of my credit report and noticed a fraudulent account. 

Creditors : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX  Account : Reason : i I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) I have submitted request to Consumer Financial Protection Bureau to received documentation regarding these matters and the companies have not responded in a reasonable amount of time. These fraudulent accounts were not authorized by me.. 
Thank you. 
Attached is the police report and Identity Theft Report.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (CA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Consumer complaint received 2024-05-08
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: Westlake Services, LLC (TX)

I applied for a car and only gave the dealership authorization to run my credit once. Instead they ran it multiple times. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (OK)

1. NationStar Mortgage maintains that the XXXX or XXXX was not submitted by me before XX/XX/XXXX.
2. NationStar mortgage admits that they had a completed application by XX/XX/XXXX.
3. But how can they have a completed application when the XXXX or XXXX was never submitted.
4. The reason NationStar mortgage had a completed application without the XXXX or the XXXX is because it was not applicable to me, because the household contributor or myself had any taxable income.
5. I am requesting that NationStar mortgage provide me with the XXXX or XXXX where me or the household contributor signed.
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6. Again Nationstar Mortgage is maintaining that they had a completed application on XX/XX/XXXX but how? If the XXXX was never turned in by the household contributor or myself?
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

Dear Sir or Madam, I am writing to you today to express my concern about my Citibank account, which was closed on XX/XX/XXXX due to suspected fraud. In the email I received from Citibank, they stated that I would be issued a check for the funds in my account within 60 days. However, it has now been more than 90 days and I have not yet received my money. 

I have visited the Citibank branch at XXXX XXXX XXXX, XXXX, MD three times to inquire about the status of my check, but I have been unable to get any information. The employees at the branch have either been unable to provide me with any information or have told me to wait. 

I am extremely concerned about the fact that my money has been held by Citibank for more than 90 days. I have exhausted all of the mechanisms available to me to obtain my money, and I am now turning to you for help. 

I am a father of XXXX young children, and I desperately need my money to function. 

I am writing to you in the hope that you can help me to resolve this matter. I would be grateful if you could contact Citibank and inquire about the status of my check. I would also be grateful if you could provide me with any information that you may have about why my account was closed and why I have not yet received my money. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (IA)

On XX/XX/2023, I became the target of an elaborate and deceptive phone scam. The scammer, posing as XXXX XXXX XXXX from the XXXX  XXXX Police Department, falsely claimed there was a warrant for my arrest due to missed jury duty. They skillfully manipulated the situation, pressuring me into believing that immediate payment of {$1500.00} was the only way to avoid arrest. Trusting the authority of the supposed officer, I transferred the amount via XXXX to a purported XXXX XXXX, XXXX XXXX. 

Upon realizing the fraud, I took immediate and prudent steps to protect my assets. I promptly contacted XXXX XXXX at XXXX XXXX XXXX, explicitly instructing them to secure my account against any unauthorized transactions. Shockingly, despite their assurances, XXXX XXXX failed in their fundamental duty to safeguard my account, resulting in the unauthorized debit of {$1500.00}. This failure occurred even after I had clearly communicated the risk and urgency of the situation. 

My attempts to rectify the situation through proper channels, including reporting to the XXXX  XXXX Police Department ( XXXX XXXX. XXXX ) and XXXX, were met with a stark and distressing lack of support from XXXX XXXX. Their response was not only inadequate but also negligent, leaving me exposed to financial loss that could have been prevented with basic diligence and prompt action. This incident has not only resulted in a significant financial setback but has also shattered my trust in XXXX XXXX 's ability to protect their customers ' interests and funds. 

See attached documentation for further details.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX I tried logging onto my mobile app for ally bank. An error message stating that " Sorry, our mobile app is not working right now. Please call us for further details. '' This happens multiple times a week unfortunately. When I call Ally bank when I have the time, they do not tell me why the mobile app is not working. They just tell me " no one has called today telling us the mobile app is not working. '' Even though there are several forums online and their reviews online stating that there mobile app is not reliable and not accessible. Sometimes it will say we " we are experiencing technical difficulties, please try again later. '' I
Consumer complaint received 2023-07-07
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: Self Financial Inc. (CA)

Received an email from XXXX XXXX indicating new activity on my credit report. I reviewed my XXXX, XXXX and XXXX XXXX and identified a fraudulent {$720.00} loan was established on XX/XX/2023 with Self Financial Inc./Lead Bank , which caused a slight drop in my credit rating. I have filed investigation requests with all three credit bureaus. I've also contacted Self Financial Inc. to request an investigation on their end ; the representative suggested that I also submit a report/complaint with the FTC at XXXX. due to concerns of identity theft and fraud. 

Note : I am told that loans are established with Self Financial Inc. by individuals needing to establish credit. I have over 40 years of ( excellent ) credit history thus have no need for the services of an entity such as Self Financial Inc . 

Please also note that a few years ago, the system of the entity that I worked for was breached and as a retiree, I was notified that my information could potentially have been accessed/compromised along with other current and former employees.
Consumer complaint received 2023-12-03
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. (NH)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete the below illegal accounts from my XXXX, XXXX, equifax credit reports XXXX XXXX 30 day late payment XXXX  XXXX XXXX account # XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Verification request letters were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023 regarding the XXXX 's Account. 
XXXX 's never responded by mail. I used the Chat Box on the XXXX 's website to request for the account history. They finally emailed the information on XX/XX/2023. 

XXXX 's is reporting a charge off on my credit report and that I owe a balance {$1600.00}. However, you can see on the account information that XXXX 's sent shows I do not have a balance. Page 4 of the document, Balance due .... ________ I completely paid off this account as requested and this document shows that. 

This has prevented me from obtaining a loan and I will proceed with an attorney if needed.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

On XX/XX/2023, I attempted to add my Citi Premier credit card to my XXXX XXXX, an action that triggered fraud alert and locked my card entirely. I then contacted the customer support to unlock my card and lift the restrictions, but after I provided two different phone numbers to verify my identity, they claimed both of these numbers can not be used for verification purpose. They suggested that the only method to unlock my card is to send a physical letter to my residential address, which would take up to 7 business days, during which I can not use the card at all. 

This is the second time in a span of one month that my card was flagged and locked by Citi 's fraud department, and in both cases it was because there was an attempt to add the card to an XXXX XXXX. It shows that after a month, Citi has not undertaken any actions to address this issue and allows this to happen repeatedly. In a response to my last complaint, they dismissed this simply as necessary measures to counter fraud, which in reality does nothing but ruins the customer experience. 

I opened this credit card because of its attractive new member bonus and planned to reach the spending goal of XXXX dollars before XX/XX/2023, but the incompetency of the fraud department has significantly obstructed this process. Since the new member bonus can only be granted if the amount of spending reaches at least XXXX USD within the first 3 months, the time I actually have to reach the goal is greatly reduced due to the fact that I had to wait for almost 2 weeks in total for the 2 verification letters.