davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (TX)

I have disputed the erroneous late payments that were reported by Nationstar/Mr. Cooper via the credit bureaus but they responded promptly stating the late payments were accurate. I have documents from my banks indicating payments were indeed drafted and within the 30-day period each month. I have forwarded documentation to the credit bureaus to verify the reporting is inaccurate but Nationstar/Mr. Cooper has not even attempted to review the data or consider the possibility they may have made errors. In fact all they did was change the month the late payment was posted in. Another concern I have is I was charged late fees almost every month of 2019 even though my payments were all posted within the 15-day grace allowed by XXXXationstar/Mr. Cooper. Three times in 2019 Nationstar/Mr. Cooper completely reversed payments on their system and removed the funds from my payment balance when in fact my bank has validated the payments were drafted successfully. If this matter is not resolved after this filing with CFPB I will proceed with filing with XXXX for possible transaction fraud.
Consumer complaint received 2022-11-17
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. (GA)

I'm 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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. (SC)

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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX FIN SVC XX/XX/XXXX ; XXXX XX/XX/XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-05-13
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: WELLS FARGO & COMPANY (KY)

I formerly had a savings account with  Wells Fargo, that has since been closed. I just checked my credit report and saw that Wells Fargo  initiated a hard inquiry on my credit in  XXXX    XXXX   ( indicating that I applied for a line of credit from the m ). I never applied for or received a line of credit from Wells Fargo. I just contacted WF regarding this and they essentially said th ey could not give me any info and just gave me a fax # for a credit dispute.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I have 2 business accounts with Union Bank, XXXX CA branch. On XXXX XXXX I was about to pay some bills when I decided to check the balances on my accounts. I logged in only to find that on XX/XX/XXXX both of my accounts were closed. I called the branch but was only given a telephone number to call. They could NOT tell me why or who closed my bank accounts. I called the number I was given ( XXXX ) and a voicemail recording asked for my name, account number and phone number and they would get back to me within 2 business days after their investigation. It's XX/XX/XXXX and I have never been contacted by anyone at Union Bank. Not anyone from the branch, not anyone from that investigation unit - nobody. I have called the branch several times, I have called and left messages for the investigation unit - several times just today - NOTHING! Can they seize my funds like that and never contact me? It's now over a week since they closed my accounts and I never heard a thing from them. All of the contact has been initiated by me. When does the bank have a responsibility to contact me about my funds ( my money )?
Consumer complaint received 2017-05-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC (FL)

I received my loan from  Title Max   XXXX   XXXX   XXXX   office. I have moved to  XXXX  for work. I now have a   XXXX   drivers license and my trailer is registered in  XXXX . I need to register my truck in   XXXX   To do that I have  XXXX  option s : Title Max se nd my   XXXX   title to the   XXXX   XXXX   and then   XXXX   send s title Max  the new    XXXX    title  ( thi s is common ). Or  Title Max  sends   XXXX    XXXX  a letter refusing to send the title . Title Max  refuses to do either. I have talked with the office  manager a nd she says she ca n't do either. On  XXXX   XXXX  I reached out  Title Max corp orate and they gave me number to dis trict manager . I have left numerous messages and not call or solution. I contacte d Title Max  corporate again on  XXXX   XXXX  letting them know I have gotten no where. I reached out to corporate again on  XXXX   XXXX .   Now my temporary   XXXX   plates are expired, I c a n't drive my truck to work, I ca n't work, ca n't get paid,  ca n't pay loan. All of this is because of  Title Max.  I am also a  XXXX  veteran and c a n't drive t o appointments.     The original address on the loan was  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX
Consumer complaint received 2023-02-15
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)

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 # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : 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 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 2017-05-13
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: ERC (UT)

I have multiple dates of inquires. Almost daily. I put fraud and security alerts buy my credit is still being ran almost daily.     Also, A deleted account for {$2500.00} for  XXXX  reappeared even after the first dispute, they could n't verify the debt and it was  deleted.now it  reappeared thru same collection agency even tho they did n't verify debt in 30 days as stated in FCRA.
Consumer complaint received 2017-05-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BBVA FINANCIAL CORPORATION (AR)

I and my wife discovered that after our contract agreement was assigned to  BBVA Auto Financing,  that our agreement/promise to pay, was deposited into an transaction account, opened in our name, without our permission, and monetized, that was concealed from us. We are requesting full disclosure of that deposit slip associated with our loan, and a receipt.
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: 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.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX I noticed there were two teller withdrawals one for XXXX and one for XXXX. I immediately called the bank and did not recognize the names on the checks. The customer rep acknowledged that these were white washed checks, with my information on it but didn't look like my checks. She immediately placed a stop payment on them. It took me two days to get an appointment with the branch manager to open a new account. I filed a dispute on XXXX  I opened a new account with a little money in the old account for my pension to get in. I went to the police to file a report, got a case number and reported it to the bank on XX/XX/XXXX. On XX/XX/XXXX the check for XXXX was refunded to my account but not the check for XXXX which also had a stop payment on it. I called the bank and was told that the dispute would take 30 to 90 days to replace the XXXX. I called the bank repeatedly and was told that " this was their process '' even though that XXXX had a stop payment on it like the XXXX check. In addition, both checks were cashed at my bank up in XXXX. The teller never suspected obvious fraudulent checks. I filed an affadivit with the branch manager on XX/XX/XXXX and gave her a copy of the blank check with the number used on the XXXX check. I spoke to the police who said this was clearly a whitewash case and did not understand why I would have one check put back in but not the other. I called the fraud department numerous times and never received a call back. I called customer service MANY times and while they were sympathetic there was " nothing they could do. '' I would like my XXXX put back in my account now. I have been a long term customer and do not like the way I am being treated.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TomoCredit Inc. (AL)

I signed up to TomoBoost unaware of what this was. I initially signed up to what I thought was TomoCredit, for the small actual credit line they offered. That is apparently no longer a legitimate service, but still have the website up to sign up for. 
After signing up for TomoCredit on the tomocredit.com website ( which I had had before, and used legitimately a couple years ago ), now they redirect your sign up to TomoBoost which is a subscription monthly service provided for them to somehow LIE and submit false information to the credit bureaus to report that you have a {$1000.00} or {$30000.00} credit line. Which you DO NOT and is unethical. 
Had I not been redirected, I would not have signed up. I was charged {$14.00}, but charges and offers of credit reporting go up to $ XXXX for their service of lying. 
Originally sent XXXX email XX/XX/2024 request for my account to be closed to both email addresses XXXX and to XXXX. 
First response was for feedback on why I was considering closing my account with no response to me asking again to close it and that I had no feedback to give. 
I have sent an email on XX/XX/XXXX, formally requesting my account be cancelled and closed. Received a message reply asking for feedback and sorry that I was Considering closing my account. 
Sent another email today XXXX XXXX revoking any and all banking, charges, access to personal information including any and all bank information and access to my personal credit reports and AGAIN requesting account closure. 
Have received the same response. 
There is no way to remove personal information from their website from your settings, nor any of your bank account information, not to mention they have your Social Security number. 
There is NO way to cancel your membership and NO phone number to customer service, which I feel would not be of help anyway. 

This company needs to be shut down immediately! Unethical Credit Reporting, and Consumer Rights Abuse!!
Consumer complaint received 2023-06-14
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. (MD)

I am exercising my right under the Fair Credit Reporting Act, 15 USC 168a2 to request information regarding items that is listed on my consumer credit report.I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens Mo 281 SW 715,719 I presume that no proof of the alleged debt, in fact therefore exists. The bureaus continues to tell me they have investigated the items and they will remain and havent sent me any proof on how the items were investigated, who was the contact person or any other information Im asking for. My inaccuracies havent been throughly investigated so therefore be deleted
Consumer complaint received 2017-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WA)

when     XXXX   XXXX   gave the  XXXX  business to  Citi ca rd, we believe they issues a card for the wrong number or they sent the wrong card or some  one  in the company is collaborating with the criminals to create a new account under my name but a different address ( have all the documentation ). After several months citi Silently closed the account and gave it a new account number and want to make me responsible for the debt My identity is compromised due to their negligence and we have been fighting and calling to find out how it was created and who was responsible and no body dare to say any thing except promising to take care of the debt. After several months of going back and forth we received an email that states they are wiling to give us {$21000.00} credit and few weeks later they send my name to their recovery department in  XXXX   XXXX  where they could not even understand our problem and resolve the issue.
Consumer complaint received 2018-10-10
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. (GA)

On XX/XX/18, I sent a dispute letter to EXPERIAN for reporting an inaccurate address on my credit report.. On XX/XX/XXXX, From the results of their investigation they said it was verified as accurate. I have documents of the inaccurate information and ALL my information under my social security number name and credit report should be accurate and correct.
Consumer complaint received 2017-05-13
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: I.C. System, Inc. (TN)

I have attemped to resolve this is sue with Credit Reporting Agencies and the comp anies included in my complaint.   Approximately 18 months ago I started receiving delinquent noti ces from I.C. Systems, INC.  {$890.00} and  XXXX   XXXX   XXXX  {$99.00} that 's located in Washington State for accounts opened in  XXXX  and  XXXX   XXXX  respectively. I advised them that I 've never lived in or visited Washington  State.  My son by the same name and obvious ties to my address was stationed in the  XXXX  there. I was advised in early  XXXX  by th e I.C. Systems INC.  and  XXXX   XXXX   XXXX  that the matter would be resolved and taken off my credit record.   AS of  XXXX   XXXX ,  XXXX , the incorrect information has not been corrected and continues to negatively effcet my credit history and score. Please advise.      XXXX   XXXX   XXXX
Consumer complaint received 2023-06-14
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. (GA)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
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. (PA)

Account number XXXX In the later part of XXXX, I received a loan from XXXX XXXX XXXX for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXXXXXX XXXX in XXXX. 

Immediately, after obtaining the loan from XXXX XXXX XXXX, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. XXXX XXXX XXXX representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with XXXX XXXX auto was reporting as late or behind multiple month payments. The result was a continuous reporting to the XXXX credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called XXXX XXXX XXXX multiple times to get my account current and stop the reporting of negative information to the XXXX credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called XXXX XXXX XXXX multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in XXXX month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at XXXX XXXX XXXX resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with XXXX XXXX XXXX about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.