davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$660.00} XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 
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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My name is : XXXX XXXX. I am one of costumers of Bank of America. I sent wir transfer money from my I account that have bank of America, down town branch located in XXXX MN. to account of my nephew at XXXX XXXX in XXXX. That was supposed to reach my nephew and my sister his mother in 24 hours. the date was XX/XX/2019. But, up to now the money was delivered to people that I sent to. After, ten days my branch bankers told me they will send message to bank in XXXX to return the money. Again up to now money was not returned to me. The only option is to give me information, that I am legally entitled : which to give me answers WHY? that is happening? Because, if there is any reason why my is kept. None was given to me. Whenever I call wire transfer office of Bank of America. Or physically, I go to the branch, they say " We don't have any responses from XXXX XX/XX/XXXX. When my nephew and sister go to XXXX in XXXX, they told them " We don't have that money, the sender should to bank of America, the will give you answers. So, for me all this is ill treatment. I want justice. I believe this is not the way deserve. It is responsibility of bank of America to give one of two options : 1 ) - Return my money if it not delivered. 
2 ) - Give information, why that happening if there is any reason or issue. 
Because, Bank America is the company that I trusted as bank and handed my money. But they are mistreating me. I lost time and money because of what I was trying to do with this money.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/year>, I went to a Bank of America to open an account. They were unable to open an account for me as another person named XXXX XXXX had an existing account with my social security number. I provided them a copy of my social security card and ID to the banker at the branch. Then, I submitted another ticket with boas fraud department and was told they would send a letter to confirm and verify the other persons identity. The ticket I submitted was closed, so I believe the other party may have provided a fake social security card. 

I dont have an existing bank account number with Bank of America and and can not be found in their systems. My ssn will prompt XXXX XXXX information. 
Ticket number : XXXX
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (MS)

UNAUTHORIZED INQUIRIES ON MY ACCOUNT. 
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
Consumer complaint received 2020-01-11
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. (VA)

When I moved from California to Virginia in XXXX, my ex and I placed all of the shared California accounts in his name, including the XXXX account that led to this dispute. At some point between XXXX and XXXX, he let the account fall into collections. 

I knew nothing about that until XXXX when it popped a notification on my credit monitoring service and subsequently on my credit report. I received no emails, no mailings, and no phone calls about it ( from my ex, from XXXX, or the collection agency XXXX XXXX ) until it appeared on my credit report. At less than {$400.00}, I would have paid to resolve the issue before it went to collections had I known about it. 

My ex has since paid the collection. Ive tried to work with both XXXX over the phone and in-store, and Ive tried to work with XXXX XXXX to have the collection entirely removed from my credit since I am in no way responsible for this issue and had no opportunity to intervene in the situation before it went to collections ; both companies point me to the other to have it resolved, but neither will actually do anything about it. 

I have disputed this successfully with XXXX and XXXX ; as a result, my credit is accurately reflected at just over 800 with both agencies. I have disputed this with Experian without success ; the issue is dragging my score below 700 with them and as Im trying to buy a home, this is a problem. 

This is negatively impacting my financial position even though it is in no way an accurate reflection of who I am as a borrower which is the entire purpose of credit scores and reports. So this is my last hope - Im respectfully asking for this to be either removed from my credit or at the very least, have the negative impact to my credit score nullified so that I can proceed with my mortgage. 

Thank you in advance for your consideration and for helping me save several hundreds XXXX thousands? ) of dollars over the lifetime of my upcoming mortgage.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After 3 years. A account is reported back on my credit reports. The original creditor is reporting and the agency they apparently sold this debt to. First, its against the law for the original creditor and a collection agency to report the same thing. That is fraud! Second, this was removed from my credit report XX/XX/2016. Due to incorrect information, harrassment, threats and etc from XXXX. Then its a different name of XXXX XXXX and the collection agency XXXX XXXX. Both the same with a couple dollars off. All illegal and fraudulent.This needs to be removed and never sold or return on my credit report ever?
Consumer complaint received 2020-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (GA)

I sent a debt validation letter to FirstSource and they responded with a letter that I received on XX/XX/2020. The letter which I will upload a copy of stated that they did receive my request for them to validate the alleged debt. In the letter I requested that if this debt in indeed mine I would like a copy of the original contract between myself and the company. FirstSource responded with a statement of charges that does not prove that this debt is mine. If there is no proof of a contract then they have no authority to report or collect from me. This makes this debt unverifiable and FirstSource needs to cease collection activities. They simply gave me a printout of a statement does not constitute verification.
Consumer complaint received 2020-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc (DC)

On XXXX2020 I received a letter from Synergetic Communications Inc ACCT # XXXX on behalf of XXXX XXXX XXXX ACCT # XXXX attempting to collect a debt not owed or known of. This is a complaint as this company is in violation of 15 USC 1692c ( a ) -Communication with the consumer. Generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. As neither company have no written consent from the consumer or judgment from a court competent jurisdiction they have blatantly violated the FDCPA. To further there is no known or first hand knowledge or relationship with the two companies mentioned. This is TRESPASS and invasion of the consumers legally protected interest ( PRIVACY ). These companies are liable for violations under 15USC 1692ka1.  THIS IS ALSO NOTICE TO CEASE AND DESIST ALL COMMUNICATION EFFORTS I would like to also ask are these companies in possession of the consumers social security number? If so then that is identity theft per 12CFR 1022.3h.If not then this is harassment per the FDCPA as they are trying to  collect from the wrong person.
Consumer complaint received 2020-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Account from XXXX with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with XXXX, and I am not an authorized user on an account with XXXX. Please assist and remove.
Consumer complaint received 2020-01-11
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: EQUIFAX, INC. (NC)

Account from XXXX with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with discover, and I am not an authorized user on an account with discover. Please assist and remove.
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received promotional mail and email from Bank of America in XX/XX/2019, which said I would be offered {$300.00} bonus credit, if I successfully apply a Bank of America Business MasterCard, and spend {$3000.00} eligible expense in the first 90 days of card opening. I responded to the offer, and got my card opened in XX/XX/2019. 
Between XX/XX/2019 and XX/XX/2019, I see from the credit card statement, there was a total expense of {$3000.00}. However, after the end of promotional period, I was not offered a {$300.00} bonus credit. I called Bank of America, and was told among the {$3000.00} expense, there was a {$39.00} late fee, and the eligible expense is only {$2900.00}. I told them I paid my card monthly due in full on time, why would there be any late fee? Bank of America acknowledged it was a mistake on their side, and returned me the {$39.00} late fee. But they refused to give me the {$300.00} bonus. 
I dont think it was a mistake. I think the bank fraudulently put the late fee on my card, to trick me out of my bonus. I paid all my monthly due in full on time, I was absolutely not aware there was any late fee on my card when I calculated how much I need to spend before the end of 90-day period. If I knew, I would of course have spent {$22.00} more to achieve the {$3000.00} ELIGIBLE expense.
Consumer complaint received 2023-03-16
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-12
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: FORD MOTOR CREDIT CO. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc. (OH)

I am trying to clear up my credit report and found a credit in collections since XX/XX/2016. I have no idea what this is for, nor has the company sent me a notification that I owe this debt. I attempted to dispute the charge with XXXX, XXXX, and XXXX, but the creditor replied that the charge is mine, yet I still have not received notification about this debt. 

The company ( SA-VIT COLLECTION AGEN ) is stating that I owe {$820.00}
Consumer complaint received 2022-12-27
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. (OH)

I have a Bankruptcy report on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TN)

I attempted to pull my annual credit report from Experian and received the message that their server was experiencing problems and the report would not be available. The system then checked off that the experian report had been accessed ( which it had not ). I  believe the same thing occurred the last two years. This is XXXX ; they should be required to fix their problems or allow you to access the report after their computer problems are resolved.
Consumer complaint received 2020-01-12
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. (MA)

this account should not be reporting this account posted after they were paid and levy my wages this is defamation of character and should not be on my report delete this account immediately account SSA/OFFICE of Finance account number XXXX
Consumer complaint received 2020-01-12
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. (MA)

I have disputed this account several time and ask for proof of debt validationa nd all documents proving that i owe this debt with in the FCRA laws and all the bureau send back is an updated letter. I also disputed with the collector directly and the mail continues to come back as undelivered. 


Company : XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2020-01-09
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)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 90 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Lightning Mortgage Holding Company Inc (MN)

There are ALL KINDS OF WRONGS with this other lenders worksheet and what they are telling you. So much so, that you should report this XXXX XXXX XXXX to the CFPB. 



To Start- You can not use a XXXX XXXXXXXX XXXX on an FHA loan unless you have owned it for a period of XXXX  months. The snap shot below is from the FHA site. Hes trying to give you {$7800.00} You must have lived in your home the one with the mortgage you are refinancing for at least XXXX  months to qualify for an FHA cash-out refinance. If you've only lived in the home for XXXX  months, you'll have to wait XXXX more before applying for that FHA cash-out refinance. 



Hes waiving escrows for taxes and insurance ( which you can not do on a FHA loan. 
Federal Housing Administration ( FHA ) loans require all borrowers to have escrow accounts. The accounts are used to pay property taxes, homeowners insurance, and mortgage insurance premiums ( MIPs ). 



You currently have a conventional mortgage. Flipping to an FHA loan adds the Upfront MI fee of {$2600.00} to your loan. 
The XXXX XXXX {$10000.00} XXXX and XXXX liens you used at closing will not allow a XXXX XXXX XXXX. See the attachment. 
The reason the rate is Low-er is that hes charging you XXXX points to lower the rate ( FHA is lower rate the conventional rates we discussed yesterday anyway ) Hes charging you {$4200.00} in Origination fees. This is Tremendously high. Our fee is {$1300.00} for underwriting and {$320.00} for the fraud guard fee. 
Hes charging you {$650.00} for an appraisal. Unless youve owned the home over XXXX months, you have to use the value at time of purchase. 


I would again, report this guy at : https : //www.consumerfinance.gov/complaint/ Hes offering you programs that dont allow what hes offering
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC (IN)

Flagstar recently updated their computer system. Now deposits from companies that I work for as well as social security and military retirement are not being updated in a timely manner ( should be at the beginning of the business day at the very least ) which means my account is not current. The result is the inability to draw on funds that I am told are there but the account is not updated so I risk overdraft or rejection for payment. This is unacceptable and the response from the bank is lackluster at best ( we are still working on the computer ). I have a right to timely and accurate account information and this needs to be resolved.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of XXXX XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank account.