davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding false information that has been reported on my credit report by one or more of the credit bureaus. The false information that has been reported has significantly impacted my credit score and has caused me financial harm. 

Specifically, I have identified false information on my credit report that has resulted from identity theft. From my understanding of the law, credit reporting agencies are required to block the reporting of any information that results from an alleged identity theft, except as otherwise provided in the law. However, despite my repeated attempts to dispute and correct this information with the credit bureaus, they have failed to do so. 

I have followed all proper procedures to dispute and correct the information, but the credit bureaus have been unresponsive and have not taken any action to correct the false information on my credit report. As a result, I have suffered significant harm to my credit score, which has impacted my ability to obtain credit, housing, and employment opportunities.
Consumer complaint received 2022-12-23
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. (NC)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-12-23
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. (NC)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-12-23
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (KY)

In XXXX of XXXX XXXX Kia XXXX  was financed thru Kia Finance. The car was totaled XXXX XXXX In the month of XXXX the car was paid in full by the insurance company and the extended service contract provider. i also purchased gap insurance. On XXXX XXXX  the gap insurance refund was issued to the Kia store east. Kia store east sent the refund in the amount of {$1000.00}. The amount was then supposed to be forwarded to me since the loan had been paid in full since XX/XX/XXXX. It has taken me since XX/XX/XXXX till XX/XX/XXXX to receive the information where the money was. I contacted Kia Finance on XX/XX/XXXX, they claimed that they mailed the refund check in XXXX. I never received the check. Kia finance then searched to see if the check had been cashed .It had not been and was still Outstanding. XX/XX/XXXX they canceled the check and said they were reissuing the check in 7-10 business days. i called back XX/XX/XXXX still in process and to give them additional 7-10 days to recieve payment I called XX/XX/XXXX, they claimed the check has still not been issued. I feel now they are giving me the run around because every time i call different story
Consumer complaint received 2016-03-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a 2nd mortgage with Nationstar Mortgage. My first was refinanced in 2014. I have been trying to refinance or modify this one for 2 years. Nationstar keeps telling me that the investor does n't participate in modifications and is n't willing to refinance. They refuse to help me or tell me who the investor is. Meanwhile, I have n't made a payment in 2 years and my credit is taking a hit every month. I 've been denied loans, credit, housing and jobs because of how this is showing up on my credit report. I 'd think the investor would like to get something rather than nothing. But, not one of the 4 people who have serviced my loan during this time has helped.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

Regarding account : XXXX. 
I would like to report this transactions as scam XXXX XXXX XXXX {$1200.00} XX/XX/2022 XXXX XXXX $ XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX $ XXXX XX/XX/2022 I purchase a Hedgehog from XXXX XXXX for {$250.00} and when the pet was been sent to us via air from texas the company transporting the pet contact me saying that we needed a XXXX cage for the animal and insurance due to he fact that it was an exotic pet, XXXX XXXX told me that all those fee were going to be reimbursed once the pat was deliver but we never received the pet and now the email phone and website has shot down. 

XXXX XXXX- insurance company XXXX  My bank refuses to help me saying that this verify this information I don't know with who or when but they dont wan na help me
Consumer complaint received 2017-04-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

My VISA debit card ( issued by First Citizens Bank ( FCB ) aka First Citizens BankShares , Inc. was used to process XXXX separate fraudulent transactions for a total of {$410.00} on XX/XX/2017. My name is XXXX and my FCB acct is : XXXX. 

FCB ( or their fraud detection agent ) called me early that evening asking if I approved the charges which I emphatically did NOT and in fact requested that they " freeze '' the account. I called First Citizens ' Customer Care early the very next morning and disputed ( all 14 unauthorized charges from the prior day ). The FCB Customer Care Supervisor " XXXX '' said FCB would reverse the charges but for me to check my XX/XX/XXXX statement to confirm ; if not, to call FCB back so they could " manually remove them ''. All XXXX fraudulent charges appeared on my XX/XX/XXXX statement so I called as requested but at that time I was told that in fact I ( not FCB ) would have to follow-up w/ each merchant to dispute the charges. I requested a Form E disputes form for which they had no knowledge so I requested that they open a case w/ their Fraud Dept. I do n't think they did and I received a letter a few weeks later stating simply that there was no bank error thus no charges will be credited. I again called FCB Customer Care to get more detail since my statement did n't even reveal which locations were used to perpetrate the fraud. I still have no more information about this case than appeared on my XX/XX/XXXX bank statement. I also asked them why the EFTA ( Electronic Funds Transfer Act ) did n't apply in this case and none of them had even heard of the law? 

FCB 's position now seems to be that I 'm responsible for all XXXX charges since " some '' were made w/ a Chip-only card ( which I ca n't confirm of course as I do n't have sufficient detail from them regarding the transactions ) and that they were made " in my area ''? 
Obviously, this is unacceptable especially since I specifically requested an ATM-only card when I opened this checking account and I was misinformed by the XXXX branch who said it would not be functional as an ATM card which turned out to be totally false. In fact, I later learned that I would need to open a " Savers '' account to get an ATM-only card. 

This is by far the worst banking experience of my ( XXXX year ) life and I will follow-up w/ the NC AG 's office, then file a small claims action in XXXX County NC if necessary. If all else fails I will do all that I can to ensure that others are aware of this FCB " policy ''!
Consumer complaint received 2021-08-02
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: Total Card, Inc. (IN)

On XX/XX/2021 XXXX XXXX/XXXX  received a validation dispute and the did not investigate. They did not notify the credit bureaus that the account was being disputed and did not give me a response at all for the dispute submitted within the timeframe that is applicable by law. This account has not been validated. On XX/XX/2021 a letter was submitted to this creditor and they still have failed to report to the bureaus that the account is in dispute. No response have be given at this time.
Consumer complaint received 2022-12-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In pursuant to 15 U.S. Code 1692c I have told Capital one on numerous phone calls to NOT CALL ME while I am at work. I am not allowed to take phone calls at work. I receive text messages relating an alleged debt which I do not consent to as I am not allowed to text while I am at work and they also contact me at inconvenient times. I have told them to not call me while I am at work but they do not listen.
Consumer complaint received 2022-12-22
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. (NC)

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (PA)

Citibank has not been able to provide me access to online banking after calling XXXX times. The support team just keeps on transferring me. There was a fraud in my account and a new account was then created for me, ever since have not been able to access online banking even after talking to Citibank for XXXX XXXX I can not access my funds. I need access to these funds asap. This is my XXXX complaint here still no one fixed it for me. This bank should be regulated better and its a shame. Please fix the issue so that I can access my banking and can have access to MY OWN MONEY!!!!
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (NY)

Good Afternoon, I have a mortgage loan from XXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX. 
I subsequently researched the note, and I found out that person who signed my note ( allonge ) was not an authorized or official officer of the XXXX XXXX, instead she was an title closer, Lastly, the Note was signed in blank. 

Currently, my home is being foreclosed on, and there is evidence and affidavits that person who signed the note, acted out of capacity to defraud both the banks and myself of {$620.00}, XXXX. 

Wells Fargo Bank XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. are claiming to have the new assignment from XXXX XXXXXXXX. To date, there are no official endorsements or business records, from XXXX  XXXX, to Wells Fargo. 

The Plaintiff, Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, having its principal place of business at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX is a Foreign State Banking Corporation duly licensed , organized and existing pursuant to the laws of their state doing business in the State of XXXX XXXX. 

Wells Fargo Bank, XXXX was never a legal registered occupant at the mentioned address during the dates of the Summons and Complaint. ( The landlord for the said property never rented, acknowledged them, never officially meet Wells Fargo Bank, XXXX, employees, management or staff, at the commercial space ).
Consumer complaint received 2022-12-22
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)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 

Account nameXXXX XXXX XXXX : # XXXX Account name- XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 an 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.

15u.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.
Consumer complaint received 2023-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AZ)

No mine. I not knw who medical billing ppl are. Not been any medical hospital since XX/XX/XXXX. This {$510.00} duplicate debt report # XXXX was sold to different 3rd collection Co XX/XX/XXXX Bec it got deleted twice of same amt XX/XX/XXXX & XX/XX/XXXX was disputed 2 different collection co XXXX  XXXX XXXX XXXX XXXX XXXX XXXX sold to different collection co when got disputed & erased from my credit report & now sold to 3rd different collection company Ability Recovery collection started new one in XXXX of same exact duplicate {$510.00} each that is not mine!
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Whenever I call EQUIFAX, they have a problem accessing or pulling up my credit file using my social security number. They keep telling me to mail my social security card, Drivers License, and a cover letter. I have been mailing and faxing these documents for weeks and they are not being uploaded to my profile. I finally, spoke with a Manager, XXXX XXXX ( XXXX ) at Equifax who told me that because they are unable to locate a credit file for me, they keep destroying my documents that they receive via mail and fax. I have already mailed them twice and faxed them twice and yet no one at Equifax receives those documents because those documents are being destroyed due to your department not being to pull up my credit file. However, I can login to my equifax account online and check my credit score and credit report but none of the agents at EQUIFAX can pull up my credit file using my social security number. After more 15 calls to them and spending numerous hours with them on the phone and mailing and faxing all the required documents, they are still not able to create a credit file for me due to which any application I make for a credit card gets rejected for not having any credit history. I already have an existing credit card from XXXX but Equifax has no record of that. I don't have this problem with XXXX or XXXX. Both these other agencies can authenticate and access my credit report with no problems at their end. It's only EQUIFAX that I am having problem with. When I told one of the EQUIFAX agents over the phone that both XXXX and XXXX have no problem pulling my credit file using my social security number, he told that this is a question I need to ask them as to how they are able to do that? I was appalled to hear this senseless reply. 
I can't open a dispute with them online because their online system allow me. Each time I click the File dispute option, I get the following message : '' We are temporarily unable to complete this request. Please try again later. '' How am I supposed to resolve this issue if they don't let me submit documents through their online system while destroying or shredding any documents I mail or fax them because they can not pull up or create a credit file for me using my social security number?
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I paid Chase an amount of {$2500.00} to a wrong credit card account on XX/XX/XXXX. I wrote to them middle of XXXX to get my money back. Chase wrote me back after a month on XX/XX/XXXX stating they would mail me a check. They told me it took two weeks to get my money back. As of XX/XX/XX/XX/XXXXand many follow up calls they can not give me a straight answer as when I will get my {$2500.00} back. This has caused many problems. We told them we want to get refunded right away but they told me they would a month ago.
Consumer complaint received 2024-03-31
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. (NY)

Transunion to give an accurate investigation on XXXX on my credit report. The account reporting open every month. How was this account verified? This in regard to XXXX XXXX XXXX and XXXX XXXX XXXX. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ). PURSUANT 15 USC 6802 ( B ) I Nerlande Volcy, hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. How was this account verified? By who?
Consumer complaint received 2023-06-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (LA)

Dear XXXX XXXX In this notice, I am responding to your letter dated XXXX XXXX XXXX, for an Auto Loan Application Letter # XXXX. I find it difficult to understand your decision. I would like to request an investigation of all accounts on file related to credit transactions, payment derivatives, and debt securities, on behalf of XXXX XXXX ( Including debts and credits with checking and savings account as well. ) Please find the notice attachments below. 

Please note : The letter I received from your company PENFED CREDIT UNION dated XXXX XXXX XXXX was not signed. Please send a signed letter with an actual person 's name to for validity. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX