davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
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. (CA)

XXXX  XXXX XXXX gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX  just increases your interest. Credit Card services takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and Credit Card Services gets rich.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2020-03-30
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. (CA)

XXXX  XXXX XXXX gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX  just increases your interest. Credit Card services takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and Credit Card Services gets rich.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

American Honda Finance they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/XXXX but they were reporting me as Charge Off from XXXX thru XX/XX/XXXX. I am in the process of closing on a home and because of this my credit score is being affected.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (TX)

I was checking my credit report and notice inquiries and addresses I do not recognize or authorized. I am afraid my information may have fallen into the wrong hands. The unauthorized inquiries are as follows XXXX XXXX inquiry dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The inaccurate addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX and XXXX XXXX XXXX, XXXX, Ohio XXXX
Consumer complaint received 2021-10-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (WI)

XX/XX/2021, received letter to settle account from SANTANDER CONSUMER USA in full if I pay {$310.00} by XX/XX/2021. Paid {$310.00} on XX/XX/2021. Today, XX/XX/2021, Santander now says I owe {$550.00}. 

The debts on my credit were not adjusted to reflect this even after they told me three times it would be fixed within 30 days after payment ( which was done on XX/XX/2021 ), so I had to submit disputes to XXXX and XXXX. The disputes were accepted, and my accounts were fixed to display that I no longer owed Santander Auto any money. 

Today, on XX/XX/2021, Santander has updated my XXXX account saying I owe {$550.00}, and they marked on my account that I missed a payment in XXXX, dropping my credit by 12 points. My payment was accepted on XX/XX/2021 to settle the account as PAID IN FULL, how could I have possibly missed a payment in XXXX of 2021 for an account that has now been closed for multiple months? 

They clearly have no intention of being honest, and are trying to mark things on my credit that they do not have the power to do.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This complaint is a companion to CFPB Complaint # : XXXX-XXXX.

Transunion continues to fictitiously " investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. 
They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy. 
Just because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.
Consumer complaint received 2021-10-19
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: CURO Intermediate Holdings (IN)

As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. AD ASTRA RECOVERY SERVICES Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and AD ASTRA RECOVERY SERVICES is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing consumer name private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (CA)

Please be advised that CMRE is attempting to collect the alleged debt listed on my credit report. I previously requested verification of debt and I did not receive any proof that this account belongs to me. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CMRE absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed I am re-sending an Identity Theft Victims Complaint and Affidavit supporting my position, and a a copy of a Utility Bill to prove my residency during the time the disputed account was opened. As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Victims Complaint and Affidavit, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please close the account, remove the account from my credit report and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-03-30
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me.
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Online fraud report Account # XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX On XX/XX/XXXX around XXXX, I got an email from Wells fargo saying that a wiring of {$24000.00} from my account # XXXX has been confirmed. As soon as I got it from my cell phone I called wells Fargo to let them know that my account seems to have a bridge and tell them that it was not from me and they need to stop any transactions from it that day. Later I saw that {$24000.00} was wired to a XXXX  FED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Trn # XXXX Rfb # XXXX. After talking to the wells fargo rep, She checked my phone #, address, pin # and text me a code to verify my identifty. She told me that they can't do anything right now and I need to go to a wells fargo branch and tell them to call them back directly to verify my identity with picture ID. I went to XXXX branches in all of them they told me that they are busy and can't help. I have to go a branch in XXXX to get help where they told me that this was done online and they stated that I did send money to my brother to buy a car. I don't even have a brother at all, without my knowledge or approval. I told them they need to cancel all my transactions that day to prevent any payment. At the branch, they took my ATM and destroy it in front of me and close my account. What I can see that Wells fargo bank didn't try to do anything that day because if it did, that person should alert XXXX bank to do not disburse money at all. After 20 days of investigations, I got a letter from Wells fargo saying that wiring was done by me or somebody I have giving authorization. I think they are wrong on that because I have never wired nobody money online since I opened my account in XXXX. Please help in investigating with local police where this happened. Usually even when I want to buy in local store if I try to spend more than {$500.00} I will get a message saying that I need to call Wells Fargo to confirm it's me. I was curious why they allowed to wire that much amount without verifying with me first.
Consumer complaint received 2020-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Due to covid-19 i called lake view loan servicing to see if we can get an differed payment agreement or add it at the end of the loan.the refused and state that i have to pay something even when i notified then that i am out of work about 3 weeks and i don't have any income.other mortgage companies giving up to 90 days. i don ' t know what to do.is not my fault what is happening with this pandemic. i have been following instruction to stop the spread of this dangerous virus.
Consumer complaint received 2021-10-18
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. (PA)

Dear Sir, I have filed a police report for fraudulent remarks on my Equifax, XXXX, and XXXX Credit Reports. I have also sent them two letters, demanding proof that these accounts are mine. I requested to see proof of my signature, that ties me too these negative remarks. These accounts are as follows ; Equifax : XXXX, XXXX XXXX, and XXXX 's accounts. XXXX : XXXX XXXX XXXX XXXX, XXXX 's XXXX XXXX : XXXX XXXX, and XXXX XXXX. They continue to state that these accounts, have been verified. Yet, the have not supplied me with any supporting information containing my signature. I am asking for assistance with the CFPB, in resolving this matter. I thank you in advance! 
XXXX XXXX.
Consumer complaint received 2020-03-30
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$290.00}
Consumer complaint received 2020-03-30
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$290.00}
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/21 we were involved in a scam in the amount of {$8900.00} which we transferred from our Bank of America to another Bank of America to pay scammers who claimed that our daughter who lives in XXXX was involved in an auto accident and needed bail money to have her released from jail. I took cash advances from 2 of our Bank of America credit cards to pay scammers. Money was sent to Bank of America account # XXXX, rt # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Later that evening XXXX we finally got in touch with our daughter by text and she was not involved in a accident and was just fine. During these transactions we had talked to what we thought was our daughter and sounded like her. I immediately called Bank of America fraud department and had payment stopped and recorded as a scam and fraud. On XX/XX/XXXX I called the bank and was told that the money had been stopped. I signed and faxed a claim form to Bank of America. I also reported fraud to XXXX Police Department. I phoned the next week several times and was told by various people that the money was on hold until bank heard from accused party. On XXXX XXXX told me case would be solved by XXXX XXXX. On XXXX XXXX I was told it could take 60 - 90 days to solve case. On XXXX XXXX the amount of {$4600.00} appeared in my account and was told this was the settlement amount and account closed. I refiled again as I had been told many times that the full {$8900.00} was on hold. What happened to money? The bank has never had any correspondence with me and was told that paper work showing all info on claim would be mailed to me. I never received this paper work so have no idea what transpired. Thank you XXXX XXXX
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2019, I made a check out to my sister for {$7000.00}. She deposited into her bank but somehow the check did not clear into her bank but into someone elses account and different bank. I have been fighting this with the bank ever since and no one has done anything to assist me or tell me where my money went.
Consumer complaint received 2020-03-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (HI)

Received documentation from Hawaii senators office concerning the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act provides relief for homeowners with government guarantee mortgages. VA amongst others, are eligible for loan forbearance for up to one year without fees, penalties, or additional interest. 

Called Loan Care and on their website, it states that VA home loan doesnt qualify for forbearance under the Coronavirus situation. It goes on the say that if we did qualify for the forbearance, the monthly amount times the number of months will become due at the end of the forbearance, this could add up to 20 to 30 thousand dollars. We would have to do a loan modification which mean we would have to re-qualify for the loan. Not able to provide a paystub for the last 90 days would dis-qualify for the loan and loose our house. 

At the time I called, there wasnt anyone live to talk to, to see what possible avenues were available.
Consumer complaint received 2022-04-13
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital one bank XXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted Capital one bank and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by Capital One when payments resume. Because my bank account was compromised as well when capital one resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late payments.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/2021 about {$5000.00} was stolen from me from my bank account with Bank of America claim # XXXX I noticed over 25 unauthorized transactions in different amounts on XX/XX/2021 I contacted the bank and the stated that they will do an investigation I provided documents showing the fraudulent activity I also got a police report done which I sent to Bank of America to this day I never received my money back they only closed out my old card ending in XXXX and gave me a new card ending in XXXX
Consumer complaint received 2021-10-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (CT)

I took mortgage with crosscountry mortgage llc as participating in XXXX XXXX XXXX XXXX. 
They issued property assessment on wrong property address ( there are 2 properties with the same address but different zip code ) I ask them to provide required property assessment on correct property they told me they do not require to do so. 
After that they try to force me to sign change of mortgage to the wrong address, I refused. 
I am still waiting for the proper assessment of the property.