davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I received a phone call from 5/3 bank that activity had occurred on my account that was flagged as fraudulent. They told me that somebody used my license ( a license that was stolen when my car was broken into earlier in the year and a police report was filed ) at a 5/3 bank branch which resulted in my entire account balance being withdrawn. I asked why somebody who is not me was able to use my license at the branch and they informed me that the bank teller made a mistake because she was, at the time, in training! They apologized and assured me that it would be resolved. 

Over the following months, I spent hours on the phone with the bank with no resolution. I told them that ALL activity after XX/XX/XXXX was fraudulent - fraud that was only allowed to occur due to THEIR mistake. The resolution would have been to restore my account balance to it's previous status on XX/XX/XXXX. There were multiple fraudulent activities performed at the bank by the scammer, 3 to be exact, and after many months, I learned that 5/3 bank had only resolved 2 of the 3 fraudulent charges. The result was that my bank account, now deemed " resolved '' by 5/3, was overdrawn and I was being charged overdraft fees. Eventually, they sent the overdraft fees to collections and I started getting collections calls. I finally escalated the case to the " Office of the President '' at 5/3 who was able to stop the collection and negative XXXXredit score effects. However, now I am two months into working with the " Office of the President '' at 5/3, and I still have not received my money back. They are still " investigating ''. 

To me, it is as black and white as any case can be. 
One day, I had around XXXX $ in my account. 
The next day, a scammer used my license stolen ( reported officially in a police report ) months prior at a 5/3 bank branch to drain my account, allowed by a trainee bank teller. 

I can not begin to express the burden this issue has had on me, emotionally, financially, and time-wise. This fraud was fully at the fault of the company who for some reason, has been unable to resolve and refund my bank account the XXXX $ that is mine. At this point, 5 months later, this money has been stolen from me by the bank, and I have been robbed the opportunity to invest that money.
Consumer complaint received 2018-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: IMMEDIATE RECOVERY GROUP, INC (MT)

XXXX XXXX XXXX erased an incorrect debt amount from my credit report on 2017. I thought that the problem has been solved by that time, but today I discover that after that, they sold the loan to the XXXX XXXX XXXX XXXX and then that institution transfer the deleted account to the XXXX XXXX XXXX XXXX. For that situation I have been denied from receiving federal aid in order to start my XXXX degree. Why after 11 years and a deleting process of wrong information they are trying to charge me under the name of a new collection agency. Its sound that something fraudulent. The new agency said that the debt is in my credit report but its not. I called XXXX and check online XXXX and XXXX and I dont have nothing on my credit report. Why they are doing this?
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (FL)

MY HOUSE WAS BROKEN INTO A FEW YEARS AGO AND THEY STOLE MY PERSONAL INFORMATION AND MY FAMILY INFORMATION AS WELL. THEY HAVE OPEN LIGHTS IN MY NAME AND NOW I SEE A PHONE BILL. CAN YOUN PLEASE REMOVE THIS ACCOUNT.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me
Consumer complaint received 2023-09-27
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-11-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2023-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NY)

Thank you, I explained some of this in the field above, here is the latest in a large number of emails i have written to Mr. Cooper, sent this morning " Good morning, I am the owner of apartment XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX New York XXXX XXXX. A condominium here in New York. 

Mr. Cooper purchased my loan from XXXX XXXX Bank in XXXX and I have made the XXXX, XXXX, XXXX, XXXX and XXXX payments, ( mailed today ) on time, each month. 

Not XXXX payment is missing, not XXXX payment was late. 

And each month you continue to send me threatening letters, I have received XXXX letters from Mr. Cooper in the last 14 days claiming I am in default. I am not. 

Here is the payment detail that you will see attached above : XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX CHECK XXXX SETTLED ON XX/XX/XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX CHECK XXXX SETTLED ON XX/XX/XXXX XX/XX/2023 XXXX XXXX XXXX CHECK XXXX SETTLED ON XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX CHECK XXXX SETTLED ON XX/XX/2023 I will one more time forward proof of payment attached above with this email. If you continue after this to slander, libel, and harass me I will pass this matter to my attorneys. 

XXXX XXXX
Consumer complaint received 2023-09-27
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. (TN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-01-25
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. (GA)

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.
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: QUALITY ACCEPTANCE LLC (LA)

The vehicle was charged off due to Hurricane Harvey in XXXX. Per my credit report it still shows a balance. A charge off is canceled debt and considered income. Ive never received a 1099-C. This is illegal and my rights were violated 15USC 1681 s-2 & 15USC 1681 ( 1 ) ( 4 ). I would like this removed from my report immediately as this is illegal per IRS publication.
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We originally started our Mortgage with XXXX  XXXX XXXX in XX/XX/XXXX. I paid them my mortgage and had no escrow account. XXXX  XXXX XXXX sold my mortgage to Nation Star in .XX/XX/XXXX We did a loan modification with Nation Star in XX/XX/XXXX. Upon doing this we were required to have a escrow account. At that time of modification I already paid our XX/XX/XXXX Taxes and insurance and Nation Star dismissed my complaints and required payment to escrow. As time went on The amount paid to escrow since XX/XX/XXXX was way over the amount of my taxes and insurance.I continued to complain and nothing resolved. Nation Star is now called Mr. Cooper. Mr. Cooper has also continued to over charge me in escrow. I am due a refund.at this time I am looking to refi to get away from Mr.Cooper .I believe I am being over charged monthly About {$100.00} each month. This has been going on since XX/XX/XXXX. Can you assist me.thank you.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2700.00XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXXXXXX Balance : {$2700.00}
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (TN)

In accordance with the fair reporting act XXXX account XXXX XXXX XXXX has violated my rights. 15 USC SECTION 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Pennymac was invoiced by XXXX XXXXXXXX XXXX in early XXXX, but didn't send the payment until XX/XX/XXXXXXXX XXXX XXXX  I was informed by my agent that payment had not been received and that my insurance would be canceled at XXXX today unless I paid out of pocket. I made the full payment today to avoid cancelation and the risk/costs associated with being uninsured.
Consumer complaint received 2024-09-23
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I am currently unemployed due to the fact I was XXXX  by my boss and my hours were cut so drastically and I no longer could deal with the fact that she was still retaliating against me and the company was failing to do anything as well as the union so there is a lawsuit against them for that so I contacted my loan servicer Citizens Bank for my auto loan I was informed that they could do a two month extension at the time and I called back today and was told that that is not allowed that is not there policy because I already had an extension earlier this year due to the same issue is listed above and the lady was extremely rude I asked for a supervisor and she transferred me back to the main menu and they will not withhold their part of the bargain where the employee told me that I would have 2 months deferment where I had to pay the interest I had already paid the interest amount and I was lied to or I would have done my best to make sure I got the payment money borrowed or done something to avoid the late report that I'm going to receive from the company on my credit next month as I have 100 % on Time payments until this
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (NJ)

My NAME is XXXX XXXX XXXX. Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please ALSO delete : Phone Numbers : XXXX ; XXXX ; Also please delete the following inquiries that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
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 My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX are NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-05
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. (AZ)

I appreciate your time to correct some of the erroneous items in my credit file ; however there are still many items that need to be corrected and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
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. (CA)

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 2023-09-27
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. (WI)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$30000.00} ;
Consumer complaint received 2023-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Affirm Holdings, Inc (NC)

I opened a savings account with Affirm Savings on XX/XX/XXXX to get the interest rate they been broadcasting and I transferred {$44000.00} from my external bank which is XXXX and they froze my account for no reason! I need all the ID verification process that I was suppose to do and they still want unfreeze my money! I have bills and things to pay!! Please help me in unfreezing my funds! This is crazy how they can freeze people money for no reason! I called multiple times and they are giving me the run around. Please help me in getting my money back! This is illegal!
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I have never had any business with this company. I have never received any collection notice in the mail from this company LVNV Funding LLC listed as ( Original Creditor ). I have never received any phone calls or ever spoken to anyone from this company regarding this account.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$470.00} LVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX {$490.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with LVNV FUNDING LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, LVNV FUNDING LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Consumer complaint received 2024-09-23
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. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.