davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. XXXX XXXX XXXX XXXX | Account number XXXX | {$15000.00}
Consumer complaint received 2021-03-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

I initially took a loan in XXXX and Cardinal Financial registered the mortgage with my county clerks office in XXXX. I'm in the process of selling my home and the title company informed me that Cardinal Financial registered two mortgages with my county clerk office. One in XXXX and another in XXXX. When I received copies of the filings, I realized that Cardinal Financial filed duplicate mortgages using the initial VA mortgage from XXXX and filed it again in XXXX. My home was set to close in 4 days and this erroneous duplicate lien on my property is causing extreme hardship on my family and increased closing costs. My closing has been indefinitely postponed. I reached out to Cardinal Financial and sent them copies of the duplicate registrations to try and get one discharged. I was told it would take 30 business days for them to correct an error they made. I feel it is very unfair of an institution to make an error causing severe consequences to a consumer and not be liable for the damages caused. Most Financial institutions can resolve a lien immediately when its correctly filed. There should be some urgency when institutions file them incorrectly. Cardinal Financial has not been cooperative in finding a resolution correcting an error they made. There should be some safeguards preventing an institution from filing erroneous liens on consumers.
Consumer complaint received 2021-03-06
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)

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCURATE INFORMATION. 

FRAUDULENT ACCOUNTS- XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX FRAUDULENT HARD INQUIRIES : XXXX  XXXX XXXX XXXX, XXXX  XXXX , XXXX  XXXX, FRAUDULENT HARD INQUIRIES : EQUIFAX XXXX XXXX , XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX , FRAUDULENT ACCOUNT-EQUIFAX Collections-Unknown- XXXX XXXX FRAUDULENT HARD INQUIRIES : XXXX  : XXXX, XXXX  XXXX  FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 

WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 

PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B
Consumer complaint received 2021-03-06
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. (GA)

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCURATE INFORMATION. 

FRAUDULENT ACCOUNTS- XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX FRAUDULENT HARD INQUIRIES : XXXX  XXXX XXXX XXXX, XXXX XXXX , XXXX  XXXX, FRAUDULENT HARD INQUIRIES : XXXX  XXXX  XXXX  , XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX , FRAUDULENT ACCOUNT-XXXX Collections-Unknown- XXXX XXXX FRAUDULENT HARD INQUIRIES : TRANSUNION : XXXX, XXXX XXXX  FRAUDULENT ACCOUNTS : TRANSUNION XXXX ACCT XXXX, XXXX XXXX  WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 

WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 

PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B
Consumer complaint received 2021-03-06
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: EQUIFAX, INC. (SC)

I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2022-11-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX, AZ 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2021-03-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In complaint # XXXX, Citizens bank didnt explain at all why they disqualified me for saving account opening bonus. I did open the saving account with $ XXXX deposited for three months as required in the banks flyer. Flyer and bank statement are attached.
Consumer complaint received 2021-03-05
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: SYNCHRONY FINANCIAL (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX, XXXX/XXXX, and SYNCB/Gap. The Account Opened is XXXX/XXXX Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is SYNCB/Gap Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

Received a letter today claiming that my account with Chase Bank ending in XXXX is blocked and will be closed soon. I did not open an account with Chase Bank and it has been on our local news that allot of people in the XXXX XXXX of XXXX were getting these accounts open without their knowledge. I have no accounts or credit cards with Chase Bank. When I called the telephone number on the letter XXXX XXXX the lady that answered claim the only way to check on the account was by social security number. I did not want to give it to her but I wanted to know the account was closed. When I question her location all she said was she was overseas. I called my local police department because the news media advise to put a police report in with them. It is Saturday so no one there but left a message. Will follow up on that on Monday.
Consumer complaint received 2021-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

Credence Resource Management LLC is attempting to collect a debt not owed. Please see attached docements. Futhermore, Credence Resource Management LLC has called me repeatedly causing XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX. After I explained that this wasn't my account and I have proof that no balance existed the calls continued. I have documented calls and messages on : XX/XX/2021 @ XXXX, XX/XX/2021 @ XXXX & XXXX, XX/XX/2021 @ XXXX, XXXX, XXXX, XX/XX/2021 @ XXXX, XX/XX/2021 @ XXXX which is a violation of the XXXX XXXX XXXX XXXX as my phone number is listed on the do not call registry. I have XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and the continual calling is a huge XXXX  for me.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (AL)

National Credit Systems : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX has been sending me Collection Notices in the Amount of {$1800.00}. The collection has been reported as a past due balance. I do not know this company .I have not ever did business with National Credit Systems . This company could not and does not have a contract with my legal signature.
Consumer complaint received 2021-03-06
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank closed my business account and withheld funds for over 22 days. They have now sent an invalid check that can not be cashed with their own branch nor any where else. All traditional banks refuse to cash a check that doesnt have my name on it & traditional check cashing can not verify the funds. This has rendered my funds from a closed account useless as Chase is the issuing bank and wont allow me to cash it unless I have a business account or the check in my name. Ive since called to ask for the check to be reissued in my name and they have refused.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NC)

15 USC 1681C-2 STATES *EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIED INFORMATION THAT RESULTED FROM AN " ALLEGED IDENTITY THEFT '' PLEASE REMOVE THESE ACCOUNTS AS IT IS A VIOLATION TO MY CONSUMER RIGHTS.
Consumer complaint received 2021-03-06
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: ALLY FINANCIAL INC. (MI)

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. ALLY FINANCIAL XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to transunion and experian about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (NV)

I sent a debt verification letter to the company on XX/XX/XXXX requesting the following documents to verify the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : -Copy of my social security card. 
-Copy of my valid Photo ID. 
-Contract signed by me. 
-Bill with my address ( within 30 days of the account opening ) -Any other documents. 
Absolute Resolutions and its attorneys provided me just with statements that anybody could create, I been asking them to verify their allegations that I own the alleged debt with valid proof, Why they are alleging that I own the debt? but they failed to provide or verify the debt appropriately. 
Since Absolute Resolutions and its attorneys are violating the FDCPA and FCRA and they still collecting the debt and have 2 cases open in XXXX XXXX Justice Court against me without sufficient evidence to do so I am requesting the following documentation to Absolute Resolutions today XX/XX/XXXX : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The original account owner " XX/XX/XXXX '' have sold the account XX/XX/XXXX has sold the account to several collections agencies, every and all the times that I disputed the account with the other collection agencies have been removed from my credit report because they are not able to verify the account and then XXXX XX/XX/XXXX sells the unverified accounts to a different collection agency.
Consumer complaint received 2023-08-08
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. (OH)

I recently got preapproved for a new VA mortgage because I am shopping for a house. The day after, I have received phone calls after phone calls from supposed lenders. Some identifying themselves as working with the VA, or with XXXX. Some of the caller have been outright hostile, one even commenting that he had my social and date of birth all ready when I asked to be removed from the call list. When I tried to contact the three credit reporting agencies that must of sold my information without my permission I can not get anyone on the phone. But rather get bumped from automated message to automated message. If the credit agencies are in fact giving my Personal Protected Information out without my permission to unsolicited lenders I am extremely concerned.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NV)

Selene Finance taught me the lesson very clear. If there is a issue only CFPB can help. I have been reached out to them about the statement issues 5 time and nothing is done. After filling the complaint with CFPB at least there is some movement even Selene Finance is still not providing the right service to my mortgage. 

My mortgage payment was {$1500.00} for more then a year before Selene Finance took over. 

The first coupon Selene Finance sent me has the same payment amount {$1500.00}. Please see attachment 1 for reference. 

Which I have been sending the {$1500.00} payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This {$1500.00} should be break down as Principal, interest and {$290.00} for Escrow.

Selene Finance dropped the Escrow which should be included in the monthly payment from {$290.00} to {$60.00} without any agreement with me. They also mark my Escrow Balance as - {$410.00} on the statement date XX/XX/XXXX. Please see attachment 2 for the reference. 

I am not asking Selene Finance to provide me any special assistance but just the right service.
Consumer complaint received 2023-08-08
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. (AZ)

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 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My property was refinanced shortly before XXXX property taxes were due in XXXX The new mortgage company ( XXXX XXXX XXXX XXXX paid the property taxes ( {$1300.00} ) and so did the old ( New Rez ) mortgage company. The check from the new company was honored and the New Rez payment was returned to them. My loan number with New Rez was XXXX. 
I have contacted New Rez on several occasions ( 12 times or more ) prior to XX/XX/XXXX regarding the overpayment of tax money and how and when they are going to refund it to me. They responded that they have a separate company from New Rez that handles the tax payments. They say they are unable to get a response from this company to verify the returned tax payment. 
This has been going on since XX/XX/XXXX and still no refund. It appears that New Rez does not want to refund the unused tax money to me. This is a VA loan and actions should be taken to correct this situation immediately. 
Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX