davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

I am shocked and outraged that I was advised that despite doing nothing wrong, the banks will not reimburse my Key Bank account for a check that was washed and cashed by XXXX XXXX. It has been over 18 months that I have been dealing with this issue. 

I am in great need of help from the CFPB. 

Back in XXXX, XXXX, I did everything that was required. Upon discovering the fraud, I immediately reported the fraud to the bank. I immediately went to the bank and filed the needed paper work. I immediately went to the police station and filed a report. There was nothing more that I could do. 

The banks make the error in cashing a fraudulent check. 

My initial complaint, XXXX contains the details. 

Shockingly, after several extension to respond to this complain by XXXX XXXX, I received a call saying that their records did not even show a demand from Key Bank. I do not believe this was true, based on may calls to Key Bank, and advised the representative that this was incorrect. I knew that once the call ended there was nothing that could be done. 

Then, moments later, I received their email, basically saying that they were not going to refund the funds that were lost due to bank errors, not any error on my part. No mention of the lack of a demand from Key Bank as I had just been advised in the call from XXXX XXXX. 

From speaking with others, I know banks will cover these lost funds. I do not know why the lenders are discriminating against me and not reimbursing my account. 

I also wish to note that when I called the Key Bank fraud line, after speaking to the representative, I requested to have a supervisor call me back. I called again and noted that I had requested to speak to a supervisor the last time I called. I was rudely told that I could not speak to a supervisor and that a supervisor would only call me if they deemed it appropriate. I offered to hold on the line as long as needed to speak to a supervisor and was told that she would not allow that and would hang up. 

I would greatly appreciate your help in having Key Bank and XXXX XXXX take the steps required to refund the funds to my account.
Consumer complaint received 2022-10-26
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. (AL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} ; XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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. (TX)

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 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 : {$1900.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-13
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: SANTANDER HOLDINGS USA, INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (IN)

I submitted 2 disputes to XXXX in XX/XX/2022 regarding the inaccurate reporting of an auto loan I had with Bridgecrest. I submitted proof of the loan being paid off on XXXX. There is NO balance owed on this account. XXXX refuses to correct there inaccurate reporting. I even filed a complaint with the CFPB for Bridgecrest. On XX/XX/XXXX Bridgecrest responded with a letter acknowledging my disputes and stated they have now reported the accurate balance of {$0.00} to all credit reporting agencies. As of today XX/XX/2022, the innacurate reporting continues on my XXXX and XXXX credit reports. This a a violation of the FCRA and something really needs to be done to enforce accurate reporting. I am attaching the letter that Bridgrecest send to the CFPB. Obviously Bridgrecrest lied again did not correct there mistake even though they said they did. XXXX wont let me dispute the Bridgecrest account as they say I have already disputed it. I am also attaching a copy of my XXXX credit report dated today XXXX which clearly shows the inaccurate balance for my Bridgecrest account. Please CFPB look into these violations of the FCRA!
Consumer complaint received 2023-09-13
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I had a mortgage service transfer from XXXX XXXX on XXXX I sent the quoted pay-off of {$8900.00} with a personal check. 
the company representative claims that it is not possible. 
The original loan terms does not require this. 
The company claims that the terms of the service transfer has not changed. 
This seems to be a untrue claim as a identical loan was paid off to XXXX XXXX with a personal check this last XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX act number XXXX
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (FL)

My salary was transferred to my Wise bank account on the XX/XX/22, the money is still not available to me. Wise simply says there is a technical error and the team is working on it. No additional information is given no matter how many times I ask. All excuses and reasons are vague. They have not located my salary nor given me any progress updates. It is now the XX/XX/22 and I still don't have my money.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NC)

I have been trying to get inaccurate accounts, inaccurate information i.e. addresses or job information, and hard inquiries removed from my credit report. There have been accounts opened and inquiries placed without my permission and/or verification and I have been trying to dispute them, but I have not been successful with my attempts. I have explained to them that it is fraud and I have sent many letters on my behalf. the credit companies continue to insist that these accounts are mine. They call and harass me all day long even on weekends. It is important to realize that fraud and scamming are at an all time high so it is important that you help people fight against it instead of dismissing them as an attempt to gain money at any cost. I set a fraud alert on my credit report and someone people have still been able to put inquiries on my account.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions This account is fraud and it dose not belong to me
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-13
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

Between XXXX I banked with Wells Fargo and can recall tines I was charged overdraft fees when monies were available or the order the items were withdrew cause multiple fees.
Consumer complaint received 2020-03-15
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-05-23
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-09
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-11
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. (CA)

It was before XXXX when I was shopping for gifts online and found this amazing kitchen set. These were XXXX knives which I always wanted but they had always been expensive. It was a third-party website and all I had to do was to pay only half of the suggested price if I only I signed up for their credit card. It felt innocent to do so just to get this offer and I knew I would pay it off first thing next month and close it off. Weeks past, but I received no set of knives and no credit card from this online store. So, I just forgot about it and moved on. A few weeks ago, my colleague at work mentioned that she always checks her credit and stays on top of it. So, I thought it's not a bad idea to do the same. I went online to check my XXXX and was very curious on some accounts that were opened without my knowledge. So, I decided to list the ones I don't recognize and send them to the national credit bureaus for documenting. Please accept this and make a record of my reporting about these activities.
Consumer complaint received 2023-09-13
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Wrong address on Experian credit report. Address : XXXX XXXX XXXX XXXX XXXX Georgia XXXX is not an address that I have ever lived in or been associated with. I discovered this was on my report when I was the victim of identity fraud in XXXX of last year with XXXX XXXX. Since then XXXX XXXX has removed the fraudulent credit line from my report but this fraudulent address remains on my credit report. Experian stated I had to file a separate report in order to have this removed as one of my addresses.
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (AL)

My name is XXXX XXXX DOB is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the XXXX Data Breach. The following are fraudulent hard inquiries and are not factual and should not remain on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
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. (NC)

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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX purpose.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Received a text alert from Transunion that XXXX XXXX  received a copy of my credit report which created a hard inquiry on my credit file. When I called to report that this was FRAUDULENT, they refused to assist. I have to send them a letter proving I didn't authorize the inquiry, XXXX XXXX  acknowledges the inquiry but has also refused to assist based on the application being denied. 

The company that accessed my credit report will not send anything to me in writing and has remained silent on this request. Transunion has refused to help even after I contacted the company that did this. 

I have sent 4 letters in the last month to help rectify this issue, and then last night on XX/XX/XXXX  XXXX XXXX  accessed my credit profile again in less than a month. That twice since XX/XX/. 

Transunion refuses to help.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MO)

I closed on the sale of my house in XXXX XXXX, MO on XXXX XXXX, XXXX. The property was encumbered by mortgage held by Nationstar Mortgage dba Mr. Cooper. 

The payoff demanded was inclusive of interest through the end of XXXX which I questioned with settlement agent as mortgage is NOT a government loan. 

I have yet to receive from Nationstar/Mr. Cooper the  interest overage included in the payoff and seek to confirm this is acceptable practice given my payoff is shown as received as of XXXX XXXX and mortgagee has retained approximately 22 days of interest UNNECESSARILY. This is ROBBERY, unethical business practice by Nationstar. 

My inquiries to mortgagee via their website has resulted in their reply stating they need one week to research ....???? 

What is my recourse? Is Nationstar within acceptable standard to require this overage and withhold these monies for this long?