davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (MI)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX I received notification that my balance transfer was going to expire see below. 

Bank of America. 
Promo Expiry. 
Your credit card promotional rate expires soon Credit card ending in XXXX The promotional rate you're currently receiving on your balance ( s ) will expire in about 90 days. 
After the promotional rate expires, any remaining portion of the balance will be charged the standard rate for that balance type. 
Offer code : XXXX Transaction type : Balance Transfers Promotional APR : 0 % Promotional end date1 : XX/XX/XXXX Current balance2 : {$330.00} APR after promotion ends : 18.49 %, a variable APR based on the U.S. prime rate On XX/XX/XXXX I sent {$100.00} to begin reducing the expiring balance transfer. 
The minimum payment was applied to the expiring transferthe remainder was paid toward another balance transfer ( with a higher interest rate ). 
I called Bank of America and explained I am trying to pay the expiring balance transfer. They said it could not be remedied. 
Next, on XX/XX/XXXX, I sent a check in the amount of what was owed on the expiring balance transfer in the amount of {$310.00}. I included the offer code in the memo of the check. Bank of America applied the minimum amount due ( {$29.00} ) to the expiring balance transfer and applied ( approximately {$290.00} ) to the balance transfer with the higher rate. On XX/XX/XXXX I called Bank of America and asked to speak to someone that could apply the payment to the offer that was expiring and they said there was nothing they could do and h7ng up on me.
Consumer complaint received 2023-04-26
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 — Was not notified of investigation status or results
Company: OneMain Finance Corporation (MD)

For years I grew up by myself from XXXX XXXX XXXX No parents and I have XXXX  XXXX and so many report and inquiries and my credentials were stolen by family and cell phone so I was taking advantage of my stupidity and inability to learn Inever had mortgage or applied for federal aid XXXX XXXX XXXX XXXX MD is my daughter but I am always being contacted about debt relief please lmk if I do have loans mortgage or car lease because I do not my address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX
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. (GA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


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 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 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 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 2023-09-01
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. (FL)

I was a victim of identity theft back in 2014 where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (VA)

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 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 2024-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Flagstar Bank took over servicing of my home mortgage from XXXX XXXXXXXX XXXX XXXX XXXX ) with my first payment to Flagstar Bank made XX/XX/XXXX. My loan number with Flagstar Bank is XXXX. When i reviewed one of my first XXXX Bank loan statements, I noticed that an old fee from a forbearance that I had with XXXX of {$15.00} that I had paid on/around XX/XX/XXXX was still on the balance when transferred to Flagstar Bank XXXX 

I called Flagstar Bank and let their agent know that I had already paid the {$15.00} fee to XXXX in/around XX/XX/XXXX and requested that they remove the fee and was told NO by the agent. I requested the agent have Flagstar Bank research back to XXXX that I had paid the {$15.00} on/around XX/XX/XXXX because I had the carbon copy of the check I wrote showing that the fee was paid and was told NO. The agent told me that it was my burden to prove that XXXX and XXXX 's transference of the balance was incorrect. The agent inferred that XXXX is not obligated to ensure accurate balance when loans are transferred to them for servicing. 

I'm trying to resolve this through CFPB. I'm also going to file a complaint with XXXX XXXX. If neither of those efforts resolve this issue. I will get a lawyer and seek any and all legal options for remedy. I've brought in a lawyer twice on two other XXXX issues when they serviced my loans and XXXX acknowledged they were wrong both times and corrected the issue. It took lawyers to resolve. I will do that again for this if need be but I hope that's not necessary. I paid this {$15.00} fee to XXXX on a check form my XXXX XXXX checking account on check number # XXXX in the amount of {$2100.00} and wrote in the memo that it was for Principal {$720.00}, Interest {$1400.00} and Overdue Fee of {$15.00}.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

These two accounts appear on my XXXX Report and they do not belong to me. 

XXXX Bank of America - XXXX account opened XX/XX/23 current balance {$2000.00} - XXXX XXXX XXXX XXXX XXXXXXXX account opened XX/XX/XXXX XXXX balance {$2400.00} there are also two addresses on the report that do not belong to me
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One charged me a {$25.00} late fee and {$7.00} in interest on XX/XX/XXXX for missing a payment, despite having been enrolled in autopay and having made successful payments for months. Upon realizing the charges, I immediately made a payment, which posted on XX/XX/XXXX, and re-enrolled in autopay. I contacted Capital One to see if they could waive the late fee, and they refused. 

This was the second time that my card, which was previously enrolled in autopay, suddenly dropped the autopay and I had to pay late fees. The first time happened in XX/XX/XXXX, although Capital One waived the fee that time. 

Given the fact that this has happened to me multiple times, I have cancelled all my credit cards with Capital One. I have never experienced a similar issue with any other credit card company.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-04-21
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. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (FL)

My vehicle was repossed from my property with out any notice from Ford Credit. They sent a third-party towing to seize my vehicle. It has been a month and I have not received any notice of what happen to my vehicle. I tried contacting them by phone and email. NEVER replied to any of the messages sent. If I know by law a vehicle can not be repossed by a third party that is not included in the loan contract. I have filed 1099A for the full price of the vehicle and claimed the income in my 2022 Taxes. The vehicle is paid in full. Ford Credit has not answered or returned my vehicle. What can I do I need a vehicle to go to work.
Consumer complaint received 2024-04-19
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (FL)

I submitted an application to open both a Checking and Savings account online with Ally Bank early XXXX. XXXX thing to keep in mind is that my last name is very long, and the bank online application form did not allow for the whole name. Because of that I entered what the field allowed ( number of characters ) and submitted copy of all the documents needed. The process was smooth, I recently immigrated to the US, so my SSN, green card etc. are new. By the time I attempted to open the accounts, I didn't have a driver 's license yet, so I used my green card as an ID. The account opening didn't finish right away, due to Ally having to review the documentation. Then, after a couple of days I received an email asking to upload an ID, which I did by the time I got a driver 's license. After a few days, the account was opened. After another couple of days, they emailed me a notification saying the accounts were accessible on XX/XX/XXXX I believe. I then asked my son to help me setup online access in my cellphone. It worked well through the browser on the device, he then sent a XXXX transfer to my account, and everything worked perfectly. Then I attempted to access the accounts using an Android mobile app. After a few attempts where the app didn't state what was going wrong, I gave up on trying to access the account through the app. I tried again through the browser and that's when I noticed the message saying the account was Locked out. Following day, I tried calling Ally Bank, but the representatives said the account was flagged by Fraud Prevention and they couldn't help and simply hung up. We tried calling them again during the next few days, but they said we needed to wait as the case was going to be assigned an investigator, who then would reach out. We waited more days and then I received XXXX emails on XX/XX/XXXX. XXXX regarding the savings account saying it was accessible and another one regarding the checkings account, asking me to reach out and verify some information. I tried calling them the following day. After some time on the call, I was told the bank decided to terminate the banking relationship and would mail me a check with the funds, which I'm still waiting to this day. I tried calling them again yesterday on XX/XX/10, to have more information such as an ETA or something but all I was told is that they are unable to see information on my account and needed to hang up. I'm not sure what Ally needs from me at this point.
Consumer complaint received 2023-09-01
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$3800.00}.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX