davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (OH)

Have reached out to Equifax to clear fraudulent hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX on XXXX XX/XX/2022. Attempted to resolve XXXX separate times without resolution. A separate fraudulent event was resolved with my credit and a fraudulent account with a bank that was resolved, but the hard inquiry has not been resolved. 

Complaint # : XXXX Submitted : XX/XX/2022 Completed : XX/XX/2022 Complaint # : XXXX Submitted : XX/XX/2022 Completed : XX/XX/2022 Complaint # : XXXX Submitted : XX/XX/2022 Completed : XX/XX/2022
Consumer complaint received 2020-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.
Consumer complaint received 2020-04-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (IN)

I tried to transfer money via ACH from my savings account at Alliant Credit Union. Even though I had already confirmed the transfer account last year, and done multiple transfers before, they flagged the transaction as a security risk. I called them and answered all of their questions, but they have still not released the hold on my account. In the middle of this Corona Virus pandemic, they are holding my money hostage. 

I need access to my money!
Consumer complaint received 2020-03-24
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 (NV)

Applied for Bank of America credit card XX/XX/XXXX. Received card activated XX/XX/XXXX. The promotion was spend {$1000.00} within 90 calendar days. 
Statement totals as follows : XXXX ... {$300.00} XXXX {$180.00} XXXX {$540.00} TOTALS {$1000.00} I CALLED THEM TO FIND OUT WHY THEY HAVE'NT GIVEN ME THE {$200.00} BONUS YET. THEY WERE GOING TO RESEARCH. 
RECEIVED A LETTER YESTERDAY DATED XX/XX/XXXX THEY SAID I HAD NOT SPENT {$1000.00} WITHIN THE 90 DAYS.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I am the XXXX XXXX XXXX XXXXXXXX XXXX XXXX .ON behalf of the asssociation I opened an account-checking account at Huntington Bank. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for the balance and it was only the last deposit $ XXXX asked about the remaing XXXX  the bank 's response has been consistently vague and unhelpful, with their representatives simply stating that they are '' working on it '' without providing any concrete information or timeline for the resolution of this issue.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-06
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. (FL)

I am not liable for this debt with XXXX and do not have a contract with FAIR COLLECTIONS & OUT. They did not provide me with the original application like i asked. Experian and all other credit bureau are wrong for even reporting this account without written instructions please read my attachments below
Consumer complaint received 2020-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MA)

I was wrongfully charged {$46.00} on XX/XX/2020 for XXXX when I was not using the service. I was not sent any email telling me that my free trial was ending. My account was already in the negatives when that charge was made so there was no reason for my bank, Chase, to let that charge to go though.
Consumer complaint received 2023-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TN)

I emailed Wakefield and associates on XX/XX/XXXX  to receive validation of the 5 debts that they have contacted me to pay. I used the reference number provided to me XXXX. They never sent a validation letter and proceeded to call me while I was at work. I then requested by phone to get debt validation and they said I would have to email. I have since mailed a physical letter to them to request validation. With nothing received to validate the debt.
Consumer complaint received 2020-03-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.
Consumer complaint received 2020-03-23
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. (NJ)

XXXX  XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX/XXXX  inquiry XXXX XXXX XXXX/XXXX XXXX inquiry XXXX XXXX XXXX inquiry XX/XX/2018 all hard inquiries that I have no knowledge of an should be removed from my credit immediately
Consumer complaint received 2022-12-28
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: FIRST NATIONAL BANK OF OMAHA (CA)

XXXX XXXX XXXX To : XXXX Cc : XXXX Wed, XX/XX/XXXX at XXXX XXXX  I have been trying to get a credit for a charge of {$350.00} and exp said they credited me to act XXXX. Well, the new credit card co did not post it to my new account number # XXXX so there is a credit I should have that is in limbo somewhere. I need someone to look into this as it has been 3 months of trying to resolve and no one is helping at XXXX. The note below is from the co-eXp that is showing the refund. 
I have also called them numerous times to the bank and on hold for an extended time. 


Hi XXXX, The refund for XXXX {$350.00} was refunded to you on XX/XX/26. Please see the image below. The card that was refunded ended in XXXX. Thank you XXXX -- XXXX XXXX XXXX Billing Sr. Team Lead Account Solution XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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. (AZ)

I am submitting this CFPB complaint in regards to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that the Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the account, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct these accounts : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2020-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OR)

Credit score dropped 28 points. The only change was a XXXX payment to one of my credit cards. This alerted me to a potential problem. I called and waited over 3 hours to speak to customer service. Once they answered they told me to call back in 30 minutes because they were having system issues and could not access my records. I asked them why they did not put this in their hold messages so that people arent waiting for 3hrs. I was told they cant disclose that information. I asked if they will do this. The answer is no. I asked if they had an estimated time that the issue would be resolved. The answer was no. I asked to speak to a supervisor and asked for her name and ID number. She said they dont have supervisors and that she could not give me the ID number or anything but her first name : XXXX. I am concerned about the unexplained drop and am hoping its not due to some kind of fraud issue. This happened today XX/XX/20. At approximately XXXX.
Consumer complaint received 2020-03-22
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. (NY)

Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it when I first noticed the faurd I contacted XXXX XXXX right away and let them know.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have numerous issues..I spoke to one of your agents on XX/XX/XXXX for over an hour.My sister 's name and mine are the same. Our socials differ by one digit. The 3 bureaus have her info on my file.I thought this was fixed till I got my 3 reports. All mixed up! Does not have my correct address. 
XX/XX/XXXX XXXX XXXX reports 3 addresses in XXXX. I have lived present house for 22 years. XXXX XXXX XXXX. Never XXXX? Employers from XXXX?? am XXXX  XXXX since XXXX.XXXX  XXXX  XX/XX/XXXX . I never got a card. XXXX XXXX who stated they told XXXX XXXX that was NOT MY DEBT! 
Experian-XX/XX/XXXX..I never had a XXXX XXXX acct. Never chged any money.XXXX  XXXX  again.I spoke to them they know I didn't have their card. Still showing past due etc ... didn't have 2 XXXX XXXX cards it was a fraud..only have 1. Shows XXXX XXXX XXXX..never lived there..XXXX XXXX..sister..XXXX.XXXX.not us..XXXX  XXXX. Sister..XXXX.XXXX..sistrr..XXXX  XXXX XXXX..sister..SHOWS SOCIAL VARIATIONS ; XXXX?? NEVER USED XXXX IS SISTERS..XXXX  IS MINE..Do n't work at a trucking company? Have also called all of these inquirers that I neverrr called..I never applied for Life Ins..XXXX XXXX..XXXX   XXXX..Leasing..XXXX  etc.. 
XXXX  : Again, had 3 addresses in XXXX..only lived at one..had my sister 's year of birth XXXX..not mine..and her social XXXX..and her name XXXX. 
But this XXXX XXXX investigation of XXXX XXXX  was incorrect. XXXX said they told XXXX that it was NOT me and they were writing it off..it was a fraud..so was one of the XXXX XXXX. They are all still reporting XXXX and it was NEVER MINE!
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I was expecting that I will have a fix payment. I notice an e-mail from Amerihome Mortgage related to the COVID19. When I logon into the page I saw that there were a message saying that something changed when I go through the notifications and my statement I saw an increase in my mortgage payment over {$400.00} and it says that it is due to my escrow balance. I got my homestead exemption and the insurance increases few dollars. Im just surprised and I just can not afford an increase of {$400.00} I just cant afford it so I need that this bank listen and review and research and adjust my monthly payments in a timely manner because I dont want to lose the house. Im not trying to play violins with a drama story but get this house was very difficult, even using a county down payment that I cant payback in the next 6 years.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XXXX XX/XX/2020, my new lender purchased my mortgage from Lakeview. I had an autopayment set to withdraw at the beginning of XX/XX/2020. I canceled the autodraft and erased my bank information from Lakeview 's system. On XX/XX/2020, Lakeview withdrew money anyway {$8300.00}. I contacted Lakeview to refund the money immediately. They said it would take 10 to 14 days. At 14 days, I asked them where the refund was. They said the check was in the mail. It has been 19 days. I have not received any payments. This is theft. Even if they have sent the check, they have optimized the delay in refund and have injured me the opportunity cost in interest. It's slimy and disgusting. It's illegal. Lakeview creates ways to steal money from its customers. They steal money from their customers and only react when a customer with the wherewithal and bandwidth complains. REF : XXXX
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have received a wire transfer which was accepted and posted by Capital one to my account. The purpose of the transfer was a business loan for the amount of approximately {$25000.00} and it was under my business partner who started a small business and sponsered me to run this business and all the financial and basically I am in charge of managing the entire business and I even have an power attorney from him and the money was authorized by him to be deposited to my account and I was going to use the funds to make some purchases. Please also keep in mind the business is a sole proprietor business and using a personal account is permitted by law since is not an llc or corporation and is under my sponsor name. Capital one blocked the funds and even I have called and explained the situation multiple times, they still refused to release my funds. I understand Capital one has a right to end the relationship at anytime as is stated on the agreement and that is not my concern at all, but they dont have a right to hold the funds that legally authorized by my sponsor to be deposited to my account and I have full authority over the funds for absolutely no reason. After many contacts, still they have refused to release my money and even i was told the transfer is going to be reversed to the originator which is absolutely unacceptable. I have provided a clear explanation and clarified about the funds and ready to provide any documents of is needed, but if capital one does not have any documents or any reasonable explanation why they still have not released the funds even after I have clarified, they have to immediately release the funds to me. I am requesting capital one to immediately release the funds to me and give the money that belongs to me and I have full authority over the funds and would like to clarify again, they can not hold my funds or return them or anything to do with the funds, unless they have evidence supporting that the funds does not belong to me. I have a notarized power of attorney from the person who his name is for the transfer and he authorized the funds to be deposited to my account. Additionally, if there were any concern in regards to the name mismatch or anything else, capital one could reach out if there were any concern and if they weren't satisfy with my clarification they could have reject the deposit before being deposited into the account and I will deposit then into another account, but instead they have accepted and deposited the funds and after a few days all of a sudden they decided to investigate and place a hold on a money that does not belong to then and even still after I reached out and clarified and provided them with a power of attorney letter which proves the funds belong to me, still they did not release my funds for absolutely no reason
Consumer complaint received 2020-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My Mom passed away over 2 years ago and I have been named executor and trustee of her account. I've sent copies of her death certificate and copies of her will twice. These are the dates that I've called SLS but they can't tell me anything because I'm not on the account. They call me every other day to talk to the estate then hang up. 
I Called on the XX/XX/ Called on the XX/XX/ Called on the XX/XX/ Called on the XX/XX/
Consumer complaint received 2022-10-12
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit reportng Agenccies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$26.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX XXXXXXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Owed : {$85.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$79.00}
Consumer complaint received 2020-04-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Recovery Specialists, Inc. (KS)

On Thursday, XX/XX/2020 sometime between XXXX-XXXX the debt company Account Recovery Specialist, INC contacted someone that I know looking for me and about my debt. They have my phone number but decide to call this person. I don't even know how they got their name and number.
Consumer complaint received 2022-12-28
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. (LA)

I have previously sent a letter to XXXX, and Equifax XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This a violation of my rights.
Consumer complaint received 2022-12-28
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. (IN)

There are several inaccuracies on my credit report. 

All accounts referring to XXXX XXXX, XXXX 's XXXX 's, and XXXX XXXX are incorrect and were opened in an instance of identity threat. Please remove them immediately. 

All inquiries from the same ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), as well as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( I don't know who this is ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX