davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Date of credit reports : XX/XX/2022 Date of denial : XX/XX/2022 Amount of Loan : XXXX XXXX Navy Federal Credit Union denied my home loan application based on race, religion, and /or national origin. They claimed to have made that decision based on credit reports. However, I have contacted all three ( XXXX, XXXX, and XXXX ) credit agencies and obtained credit reports. None of them have any factors that adversely affect my application. Loan underwriter and/ or credit report reviewer folks in Navy Federal Credit Union had just made stuff up. I have contacted NFCU multiple times, and they take my information each time and do not do anything about it.
Consumer complaint received 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (WI)

In XX/XX/XXXX, I had closed a checking/savings account at US BANK with XXXX and reopened new accounts due to suspected fraud. I had explained to the banker ( s ) that we had Automatic Payments coming from the 'old account ' via either ACH, Check, or Debit Card Number ( s ) that we possibly could cancel or change if needed, but was reassured that they had all the notes in the account and any payments that attempted to pull from the old account prior to the date of close, would pull from the new account ( s ) with no issues. They did tell us that we still had to set up new automatic payments with each company for any future payments, but any prior ones to that day would go through without a problem. They were Wrong. Every payment made from that account was returned, Including the credit card payment that was to be made to my US Bank Credit Card in XX/XX/XXXX. US Bank Did eventually reverse any and all late payment fee 's associated with this error, but apparently did NOT fix the incorrect late payment information they had sent to the credit reporting agencies. Now, we are currently looking to proceed with an application for a mortgage but due to these two wrongly reported late payments, it has dropped my credit score significantly enough to not allow us to proceed. 
On XX/XX/XXXX, I had spoke to XXXX from US BANK via phone about this matter, because he was the person whom I worked with initially on this issue and told XXXX that my wife, would be in touch via email to discus/receive the necessary documents to allow us to proceed with the dispute process. He agreed, and said we would be in touch. My wife emailed XXXX XXXX from U.S. Bank, XXXX XXXX, WI XXXX XXXX Branch, On the same Day in regard to the misinformation that was reported to the credit bureaus from U.S. Bank ; two late payments from XX/XX/XXXX and XX/XX/XXXX. When she did not hear from him by XX/XX/XXXX, she sent another email to XXXX, asking if he had received the prior email. On XX/XX/XXXX, He responded, saying that he had been on vacation and that he would try to get to it that day. She responded that same day to acknowledge she received that email. After never hearing back from XXXX, she tried emailing again on XX/XX/XXXX, asking for his cooperation with this matter, but still have n't heard back. I have tried calling him as well, but have n't gotten through to him or his voicemail.
Consumer complaint received 2021-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXXXXXX & XXXX  is who this complaint is about. They are reporting that I owe debt on my consumer report which is a violation to my consumer protection laws untie the United States Code Title 15 Chapter 41. There is not one law that states that I am obligated to pay a bill. As I read over all of the laws I havent found any laws that pertain to a natural person that State they are obligated to pay debt. If there is a law and I missed it please inform me. Also the TRUTH IN LENDING LAWS define the term credit as defined the right granted by a creditor to a debtor. Under the FDCPA definitions the term creditor means any person who offers or extends credit creating a debt. I am the credit and I extended it. I am the original creditor not the corporations who sold you my information which is also violating my consumer protection laws because I did not give them permission to sell my personal information and I did not give you the credit bureaus the right to furnish a report on me. I demand that all of the accounts I have listed on my letter be deleted ASAP! Or I will be seeking remedy.
Consumer complaint received 2023-05-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I currently have a XXXX XXXX card serviced by XXXX XXXX. I've had this card since XXXX and I do not use it very often. Early on when I enrolled with the XXXX XXXX, I set up an auto pay, just like I have done with my XXXX card, and every other credit card I've ever owned. 

After a period of about a year of not using the card, my wife applied a {$15.00} charge in XXXX of XXXX that I was not aware of. On XX/XX/XXXX of XXXX, while checking my credit report I noticed my score had dropped XXXX points. Further investigation revealed I was past due on my XXXX XXXX account. I checked emails, spam folder, and regular mail, I had received no notification that I had a balance or late fee. No statement, no past due notice, nothing. 

On XX/XX/XXXX, I called and spoke with a customer service rep named XXXX, who helped me pay off the card and reverse the late fee. I explained my situation and she stated XXXX performed a system update in XXXX of XXXX and many customers lost their autopay enrollment. For customers who use their card frequently, they likely caught this as soon as it happened. As infrequently as I use it, I did not. XXXX stated she would submit a request to reverse bad mark on my credit report. 

On XX/XX/XXXX and XXXX I received the same notice ( dated the XXXX ) stated XXXX would not reverse the mark on my credit reports, as it is accurate, my payment was late. That is correct, my payment was late, but that is not what I was disputing. My dispute is that XXXX 's payment system had a failure, which customers were not notified of, that resulted in a late payment. 

On XX/XX/XXXX I called back to XXXX and spoke with another customer service rep. Unfortunately I have misplaced my notes and do not have a name. However, this rep also confirmed what XXXX had said, and also stated that there was a system upgrade in XXXX resulting in issues with customer auto-payments. This representative stated they would submit a request to reverse the late payment report to the credit bureaus. 

On XX/XX/XXXX, I received another notice denying my request. 

Several months passed before I was able to circle back around to this issue, I had not used the card during this time period. I sent a personal letter ( attached ) further explaining the circumstance, in hopes it was misunderstood when the customer service reps submitted the last two requests. On XX/XX/XXXX I received another generic denial letter. 

I opened my first credit card account when I was XXXX and have never once had a missed payment reported to the three credit bureaus until this incident. This is the only missed payment on my nearly 18 year record, and it was due to a system failure at multiple levels, NOT because of negligence on my part.
Consumer complaint received 2023-05-20
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)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

CITI thankyou Preferred offered a free upgrade to CITI thankyou Premiere card which had additional features. They offered a timeline to be able to convert back if your not happy so I converted. After receiving the card and the documentation and reviewing it I realized the card was not beneficial to me, so I canceled the card before use on XXXX XXXX, 2017. I found my CITI thankyou Preferred card not working in late XXXX and notified CITI Bank cards that my card was not working and they indicated to me that the card was cancelled since it was converted over to CITI thankyou Premiere. I notified them and after some time they told me the card could n't be converted back. I told them it was n't my fault and I was following the guidelines put forth by CITI Bank and they just said there was nothing they could do. They forced me over to CITI Premiere since it has a annual fee of close to {$100.00} for just an additional point on the same purchases you can gain on CITI Thankyou Preferred. I feel that CITI Bank used deceptive practices to remove people from CITI thankyou Preferred card. Now I have to pay off this credit card by the first annual payment day and cancel the card, as I will do.
Consumer complaint received 2021-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (CA)

I opened an account with Binance.US crypto trading exchange at the end of XX/XX/2021. My account was locked or disabled on XX/XX/2021, and my money had been held XXXX after I had successfully wired transfer money to their exchange on XX/XX/XXXX at XXXX. I had at least {$15000.00} or more on the exchange at the time. XXXX XXXX, I tried to logging into my account and it kept saying error. On XX/XX/XXXX & XXXX, I submitted a few tickets and reached out to customer support on XXXX for help. They responded saying they escalated my tickets within a day or so and sent a few emails to Re-verify my identity. I followed the various requests ( selfie and video holding my driver license ) and got an email confirmation on XX/XX/XXXX at XXXX with ticket # XXXX stating that my 2FA reset verification process is now completed and invited me to log back into my account. But when I clicked the link XXXX XXXX XXXX it said my account is disabled and to contact support. On XX/XX/XXXX at XXXX, I submitted another ticket # XXXX for customer support to resolve my case but I still havent received a single email confirmation from customer support since XX/XX/2021. I presented my case to customer support on XXXX and customer support had escalated my case on XX/XX/XXXX and has not been followed up within the XXXX hours as stated in the response. It has been re-escalated six or more times since and I still havent received XXXX single email confirmation from customer support. Ive noticed peoples cases on XXXX were escalated and resolved within XXXX hours because they stopped tweeting Binance XXXX about their accounts being locked. I feel my case is being ignored and discriminated. I had filed a complaint with XXXX  on XX/XX/2021. This has caused major financial, emotional, and XXXX distress in my life. I had emailed XXXX XXXX, XXXX XXXX ( Head of Regulatory and government Affairs ), XXXX XXXX ( compliance & risk manager ), and customer support every other day and still havent heard from them. I had reached out to XXXX XXXX and XXXX XXXX ( CEO ), and customer support on XXXX almost every day and got canned response we have escalated this to our team, cases usually receive response within XXXX. I still havent received a single email response since XX/XX/XXXX at XXXX. Please help me resolve this issue so I may resume back to my normal life. Thank you for understanding and looking forward to the update and resolution.
Consumer complaint received 2023-05-20
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. (MA)

I am very thankful for your help to REMOVED the erroneous information in my credit file that came about because of a FRAUD yet there are some items that passed on that should be taken out. Per FCRA segment XXXX you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more.I 've been contacted my lawyer regarding this matter.. The following items needs to be removed : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

My former partner and a friend obtain my personal information to open an account at XXXX XXXX XXXX in XXXX at a XXXX  Event in XXXX California. The checking account they opened was unauthorized and was not open by me or I gave any consent in opening the account. My former partner was very abusive towards me and I was a victim of XXXX XXXX and identity theft. 

They misused the account and now there is an outstanding balance of over {$500.00} reporting on Chexsystems.
Consumer complaint received 2023-05-20
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)

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-06-20
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: JPMORGAN CHASE & CO. (PA)

One day, I just wanted to get a new line of credit but I realized I was turned down. My credit score was close to the XXXX but for some reason I kept receiving to many inquires on my denials letter. I later looked at my XXXX  and was appalled when I witnessed 50 hard inquiries I didn't approve of at all. I sent a letter to XXXX disputing the information about a month ago, no progress has been changed so I'm using CFPB to report and get these things off my report.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This account information do not belong to me. 

XXXX account # XXXX Balance- {$660.00} opened- XX/XX/XXXX XXXX XXXX account # XXXX Balance- {$1400.00} opened- XX/XX/XXXX XXXX  account # XXXX Balance- {$1100.00} opened- XX/XX/XXXX
Consumer complaint received 2021-06-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Applied for XXXX XXXX unfreeze my TransUnion credit report for 2 days so my application would go through for my application to be processed I entered all my information correctly ( 2 ) times and XXXX XXXX card application can not verify my identity but will place inquiries on my credit bureau report.
Consumer complaint received 2021-12-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BlueChip Financial (AL)

Received a voicemail threatening to arrest me. XXXX contact with an individual who said he was an attorney in New York. He said he would sue me for not paying a debt. He called me names and used vulgar and threatening language. I have never heard of the company that he claimed the debt was owed to.
Consumer complaint received 2017-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: New Century Financial Services, Inc. (NY)

I am being sued by XXXX XXXX XXXX XXXX XXXX for a credit card debt in the amount of {$9000.00} on XX/XX/XXXX in NY XXXX County First District Court. As of today the debt is {$12000.00} with interest. I have no knowledge of this debt. 

They are representing Creditor ( s ) : ( P ) XXXX XXXX XXXX XXXX New Century Financial Services Inc. 
I answered their complaint on XX/XX/XXXX asking for debt of ownership and proof of debt. 
After that, I have not heard anything from them or the court till XX/XX/XXXX then the court asked my income. When I went the court to see all the files in the case folder, I have seen they obtained default judgment against me on XX/XX/XXXX. The reason they could be able to obtain the default judgment is because I was not aware of the hearing so I never showed up to the hearing. 

I disputed all claims and complaints against me officially by writing an answer by filing with the court on XX/XX/XXXX. 

Till today I have written 3 more answers/ questions and filed with the court. In all of my responses I have asked them to provide me the debt of ownership, the credit card agreement and debt validation. They could not provide me any tangible proof regarding any of these requests. Yet this court proceeding is still ongoing. 

I have seen that CFPB fined plaintiff and the creditor for similar reason that I am suffering now. 

https : //www.consumerfinance.govXXXX I would like to inform you that they are still doing and continuing their unlawful actions. 

I am ready to accept any help you may offer in this matter.
Consumer complaint received 2021-06-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NY)

I CONTACTED REMITLY AS SOMEONE TOOK OUT MONEY FROM MY BANK ACCOUNT, XXXXXXXX  AND XXXX ON XXXX XXXX XXXX TH THAT I DID NOT AUTHORIZE NOR DID I EVER OPEN AN ACCOUNT BUT SOMEONE MUST HAVE GOT MY INFO AND DID THIS, AS I AM XXXX  YEARS OLD ON SS AND NOW I HAVE NO MONEY IN MY ACCOUNT AND I HOPE YOU CAN HELP ME WITH THIS MATTER AND GET MY MONEY BACK, THANK YOU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

We opened an account with Citibank and deposited a check from my mother and Citibank had already taken the money out of her account and apparently put a hold on my account and said there was fraud investigation. They've held the funds for over 13 business days as well as their customer service is horrible I've been on hold for the past 40 minutes trying to get my account unlocked and apparently they hung up on me and they refused to lift the hold and give me my money and close the account