davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (NC)

On XXXX XXXX our mortgage with Nationstar was paid off through a refinance. I called Nationstar who told me that it would be up to 14 days before escrow balance would be refunded. On XXXX XXXX I called Nationstar again about the status of the escrow balance refund and then they told me they had 30 days to refund me the balance. I asked for an urgent refund and they said okay that they would have it to me within the next XXXX3 business days and gave me a tracking number for the refund. 3 business days have passed and I contacted them today for the status and they said the refund had been issued but that it would be another 10 days before it would be sent. I asked for an urgent refund and they said that I would receive the check prior to 10 business days but the status of the tracking number that has been provided to me has n't been changed since creating the label. I was told at closing and several times by Nationstar that I would not have to wait more than 14 days for my escrow refund, but yet 28 days later I still have no refund. The money is not theirs!
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2018-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I met a Man online and asked me to borrow {$74000.00} and give me a fake business address associated with a real TD Bank account located in XXXX New Jersey. He asked me to wire the money to his business account located at TD bank account. When the money was wire from my XXXX XXXX account to TD bank, the fake business address was also sent over to TD Bank. However, TD Bank accept the wire but fail to check the business address associated with the real account. After I wire the money I realized that the business is a scam but the TD Bank account number is real and still open. 
I am asking the CFPB to also look into TD Bank practices to see if td bank is following the law when opening bank accounts and verifying information when accepting wire transfer. 
If TD Bank should have compare the fake business name to the real account and they should have notice that the business name and account number did not match. TD Bank should have rejected the wire and flag the account as fraud. 
I am asking for TD Bank to investigate this fake business attach its name to a real TD Bank account and return the money to my XXXX XXXX account. 
TD Bank account information where the wire transfer went into is : Account number : XXXX Routing number XXXX Also, this man is using a fake name XXXX XXXX also XXXX, also XXXX XXXX He has a paid XXXX profile for creditability under XXXX XXXX. If an investigator would like to investigate his real name you can contact XXXX, XXXX, and TD bank. He is currently a new member at XXXX under a new name XXXX XXXX I reported this incident to the FBI internet scam department, Attorney General, TFC, FCC.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Approximately XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, accounting Dept during its monthly bank reconciliation of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) operating account they noticed XXXX withdrawals over a 4-day period from XX/XX/XXXX to XX/XX/XXXX of XXXX each transaction to a XXXX XXXX XXXX XXXX  A total of {$43000.00} was Electronically Fund Transfer from XXXX XXXX XXXX XXXXXXXX XXXX  account to a XXXX XXXX XXXXXXXX XXXX  at Chase Bank. 
XXXX is the property management firm under contract to provide accounting and management services to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 
XXXX immediately called XXXXXXXX XXXX XXXXXXXX XXXX in XXXX AZ at XXXX left a message and followed up with an email. 
As XXXX is 2 hours behind XXXX  time zone, I did not receive a call back from until approximately XXXXXXXX XXXX XXXXXXXX was informed that it was being turned over to XXXX XXXX XXXX immediately as soon as XXXX signed and returned to an ACH unauthorized transaction dispute form that was emailed me. XXXX signed and sent back to XXXX. In meantime XXXX placed a hold on XXXXXXXX XXXX XXXXXXXX checking account. All outstanding checks will need to be approved by XXXX to process going forward. 
A new account will be opened going forward. 
At approximately XXXX XXXX on Friday XX/XX/XXXX, XXXX contacted me by email that we would need to file an incident report with the local authorities, XXXX XXXX, Florida Sheriff 's Department and the federal government, FBI, which XXXX sent me the link to. 
XXXX did not receive the email until Sunday XXXX the XXXX and the processes were done on Monday the XXXX, XXXX. 
I wish for there to be a thorough Investigation and that charges be brought if/when a suspect is located.

After nearly 10 months, no funds have been returned nor I have had any indication from Chase on this issue via XXXXXXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION (NH)

I called to close my Penfed XXXX card on XXXX I was told the {$95.00} annual fee would be reversed. The company closed the card but left the annual fee. I was not notified until the XXXX billing statement. I called Penfed on XXXX The agent seemed surprised this issue was occurring. I was told it would be fixed and have yet to see the balance be updated.
Consumer complaint received 2022-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Please I need help with this inquiries i dont recognize to please have them removed from my credit XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XXXX XXXX CAPITAL ONE on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE on XXXX XXXX XXXX XXXX on XXXX XXXX CAPITAL ONE NA on XXXX XXXX CAPITAL ONE AUTO FINANCE on XX/XX/XXXX 2021
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (SC)

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 : Bridecrest
Consumer complaint received 2023-08-15
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. (NV)

am writing to bring to your attention a provision of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2Ai, which pertains to the duties of furnishers of information to consumer reporting agencies. As a consumer, I believe it is important to ensure that this provision is properly adhered to in order to maintain accurate and fair reporting of credit-related information.

According to 15 USC 1681a 2Ai, furnishers of information are required to : Provide Accurate Information : It is essential that information reported to consumer reporting agencies are accurate and complete. Furnishers are obligated to have reasonable procedures in place to ensure the accuracy of the information they provide.

I kindly request that you ensure compliance with the aforementioned provisions of the FCRA in your reporting processes. Accurate credit reporting is crucial for maintaining a fair and transparent credit ecosystem, and I trust that your agency is dedicated to upholding these consumer protection standards.

In accordance with the FCRA, I request that you provide me with a copy of the investigation results related to any disputed information in my credit report. Please inform me of any actions taken to correct or update my credit information as a result of your investigation.

PLEASE STOP REPORTING MY UTILIZATION FROM THE ACCOUNTS IN THE ATTACHMENTS. I HAVE ALSO ATTACHED ALL IDENTIFICATIONS
Consumer complaint received 2023-08-15
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. (CA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (PA)

PNC : I settled and paid off a credit card. Payments from XX/XX/XXXX - XX/XX/XXXX were reported as not made, even though I had XXXX and XXXX  XXXX issues that I informed PNC of XXXX The reporting is preventing my credit from being high enough to rent a home. I paid off the card, so the account and months are not delinquent and should not show delinquency. I called again XX/XX/XXXX and PNC told me that they were attempting to collect a debt before allowing me to speak further. I have no debt with PNC. PNC told me that they were not able to reverse the reporting and told me to file a complaint.
Consumer complaint received 2023-08-15
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$900.00}
Consumer complaint received 2023-08-15
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. (NJ)

You are in Direct violation of the fair credit reporting act... account name XXXX.. 
Account number # XXXX ... Has violated several of my rights..

15 u.s.c 1681 section 602 A. Clearly states that i have the rights 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 1666 B : A creditor may not treat a payment on a credit card account under open-end, consumer credit plan as late for any purpose... Remove these late payment and up date this account immediately as you in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-08-15
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX  XXXX XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-15
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation (GA)

BRIDGECREST ACCEPTANCE TOOK ME INTO A PROCESS CALLED " REBUILD '' THREE TIMES SINCE I ACQUIRED MY XXXX XXXX XXXX IN A TRADE IN XX/XX/XXXX. SINCE THEN, MY CAR 'S ACCOUNT NUMBER CHANGED/ WAS CHANGED 3 TIMES. AND IN THE PROCESS THEY FAILED TO REPORT MY PAYMENTS TO XXXX AND XXXX PARTICULARLY. THEIR FAILURE TO REPORT THOSE PAYMENTS CONSISTENTLY IN THE LAST 2 YEARS, HAS MESSED WITH MY CREDIT-WHERE IT WOULD HAVE HELPED INCREASED MY SCORE, FOR INSTANCE, IT DID NOT. MY CREDIT TOOK A TOLL. 

IVE BEEN PAYING {$480.00} FOR TWO YEARS. I MISSED OR WAS LATE WITH BUT ONE PAYMENT. 

PLEASE CONVINCE THIS COMPANY TO MEET THEIR OBLIGATION TO REPORT TO THE BUREAUS EFFECTIVELY. AND ALSO DISSUADE THEM FROM PRACTICES SUCH AS THOSE REBUILDS THEY HAVE INCONVENIENCED ME MAJORLY WITH ( 3 TIMES - XXXX # ACCOUNT NUMBERS, AND TWO COLLECTION CALLS AT ONE POINT, FOR 2 DIFFERENT ACCOUNTS FOR THE SAME PERSON ( ME ). 

THANK YOU
Consumer complaint received 2022-09-10
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. (AZ)

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. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 3. The followng information is incorect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. there is some inaccurate information reporting. XXXX XXXX  Account XXXX : XXXX Please Delete this account.
Consumer complaint received 2023-08-15
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. (CA)

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please correct my account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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. (GA)

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.

The letters are stated with items and issues.

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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services (WA)

I took out two parent student loans for my son, one in XXXX and XXXX. I was awarded total XXXX in XXXX of XXXX. I was very grateful that I got a letter stating my loans would be forgiven. Ed Financial sent my loans to DEPT OF EDXXXX and they were both closed as of XX/XX/XXXX. XXXX XXXX XXXX continues to show that I still owe the loan from XXXX it was {$19000.00} and it is around {$22000.00}. On my {$10000.00} is not on there. It shows closed from DEPT OF EDXXXX. I have talked to Ed Financial multiple times and they said they dont report, I have Disputed on XXXX multiple times because they had both loans and have token off the {$22000.00} but have put it back on 3 separate times. I have talked to supervisors and all the credit companies and they have said they are reporting it to be accurate but Ed Financial says they say it shows that it is closed and forgiven. Is there anything you can do to help me. I am desperate
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts List As Follow : XXXX XXXX XXXX  ( Bank ) XX/XX/2022, XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX XXXX