davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions. (TX)

i received a letter from a debt collection company ( FBCS, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX XXXX XXXX The bank who filed the claim is XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX. I called FBCS and they confirmed my social security number, name and address are correct ; however the email address on file was not. FBCS XXXX  said the account was related to charges from 2017. I have never opened a XXXX XXXX XXXX so I know this is not my debt. I asked them to please report the account as fraud. The FBCS XXXXXXXX told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.
Consumer complaint received 2021-12-18
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: Experian Information Solutions Inc. (NJ)

I was not aware of any action taken towards me I made my payment for service on that day. I was not aware of any balance I immediately went to the XXXX to resolve this issue. Please me in clearing this up as this my be having an effect on my credit report as I am attempting to secure a place to live.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WV)

On XX/XX/2020 I had a larger deposit in which was for my back XXXX, I was made aware via email by workforce XXXX I had then gone over to my Citibank app to enter my acct to situate the money to a couple other accounts to pay on bills and whatnot since my woman owned small business took a huge hit from the pandemic, and had no income, and when I do finally get my XXXX, its basically to no avail! But, back to after entering the app, I could not gain access to my funds, I msg from the app to Citibank via the app messenger, but theyre stating theres no block on it, but yes there was, and yes, THERE STILL, I again, try just yesterday, THEYRE still staying my acct is active, to call in, even after I signed a form yesterday, every time, like as a year ago, all seem to going fine, till I get put on hold for them to access my acct, theyll then return very different acting n say, theres no problem, but call in to the said department.. XXXX  was contacted immediately of the occurrence, Im not clear what happened there, nothing that helped me.. I have all correspondences, emails from them since ... and also, the probably 30-40 CALLS Id made prior, just endless transfers to representatives that are barely able to even be understood, but all to have said the same, not a problem, some say yes, was a block they put, but its been lifted.. I just want into my acct n get my money they stole! Please help me... thanks and god bless. XXXX XXXX XXXX XXXX **** will gather up all documents pertaining to, included the screenshots of the msgs yesterday.XXXX
Consumer complaint received 2021-12-18
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. (GA)

Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXX XXXX XXXX, 2021 One credit card applied for online through XXXX  XXXX on XX/XX/2021 2021
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MD)

My XXXX and I applied to Loan Depot for a refinance on our investment property located in XXXXXXXX XXXX  XXXX. Prior to submitting the application we explained to XXXX XXXX XXXX that we no longer keep large summons of money in our bank accounts because XXXX of our accounts was hacked by XXXX. He assured us that the XXXX reserve would not be an issue. They would not need to see it until closing. We submitted all the documents required and when the loan was conditionally approved Loan Depot requested XXXX XXXX XXXX  in reserve funds. My XXXX and I agreed that we would put the money in our account, but we were not comfortable leaving it there. XXXX XXXX XXXX then contacted us a few days later stating the loan had been restructured and the loan was approved without needing the reserve. I signed the final papers and sent a copy of my XXXX XXXX social security card. XXXX XXXX XXXX phoned me stating that no reserve was needed and that everything was ready for closing. Today we were notified by XXXX XXXX XXXX that they wanted XXXX XXXX XXXX reserve in a XXXX or an XXXX. We are both retired state and federal employees with pensions for the rest of our lives. We gave this company XXXX XXXX XXXX for an appraisal. Our property far exceeded the appraised value and we feel that it was a ploy to obtain our information which they will sell. Since giving our information to Loan Depot my XXXX has been receiving fraud detections on his credit cards which the banks have been able to help stop. We are very concerned that this was a scam from the beginning and that our personal information is now being compromised.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/24 I mailed a letter to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX, XXXX, XXXX. Tracking usps XXXX XXXX XXXX XXXX XXXX XXXX delivered on XX/XX/24. The letter states that there are XXXX outdated accounts that are past XXXX years of age which is the Statue of Limitations age and this should be removed from my credit. I sent Navy Federal a letter to the address above stating the account numbers and amounts of the debts that needs to be removed due to being out dated but no response and change has been made. I have made a request to the credit bureau but they wont remove the debt because Navy Federal refusing.
Consumer complaint received 2021-12-18
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. (GA)

Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX  indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXX onXX/XX/XXXX 2021 One credit card applied for online through XXXXXXXX XXXX  on XX/XX/2021 2021
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (WA)

I contacted the bank on XXXX to inquire about why they were processing debit card transactions when the balance was low on as I did not opt in for the overdraft protection. The transactions in question were a reoccurring debit card transaction that hit my account at different times. The representative agreed to reverse two of those and only reversed 1. The bank has processed more of these and then tacked on an overdraft fee of {$36.00} per transaction, I was charge {$36.00} on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX with only one refunded. Asking for s refund of {$100.00}. 

Ive tried to call the bank multiple times in the past week with long hold times. I finally reached a representative today and was told she could not hear me, This was after waiting on hold for XXXX minutes and she ended the call.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I am current on my mortgage with XXXX and never missed a payment and Experian has my mortgage listed as closed and discharged in bankruptcy so it makes my credit look bad to lenders and Im not getting raised points on my credit with my on time every month payments. 

I have talked to XXXX and they report my payments to credit bureau and I tried to file a dispute with Experian to get them to correct and they have done NOTHING and you cant talk to a live person to get help
Consumer complaint received 2022-10-02
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. (MI)

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any reporting containing any of the following items of information, any other adverse items of information other than records of convicted crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any other information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PLAZA HOME MORTGAGE, INC. (NJ)

Plaza Home Mortgage filed a report to XXXX that my account with them was delinquent for 60 days now. I just saw this information on my credit report but have not heard from Plaza about this. I have never been late with any mortgage payments. In fact, my loan has been transferred to different lenders twice already since I closed on my home the end of XX/XX/2021 and have been caught in the middle and suffered from the lenders miscommunication with each other in the midst of it. During the loan transfer to Plaza, there was miscommunication between the lenders on the date my loan was officially transferred. Therefore, Plaza requested a payment from me for the month that I had already paid to my original lender. I had to make numerous calls to my original lender and Plaza to rectify the situation. Plaza then informed me that they received the payment in question and so I believed the problem was resolved as my payment has been fulfilled. Now I discovered they reported me to the credit bureau falsely. I am appalled by the incompetence of Plaza staff and how poorly theyve serviced my loan. The loan transfer debacle was not my fault, nor should I have been responsible for their due diligence.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

I was trying to close an account with 53rd bank. I sent a closure email to find out how and received no response. I then just tried to transfer the money out to force closure of both my savings and checking account. On roughly XX/XX/XXXX I started the transfers from XXXX to chase. On XX/XX/XXXX I received 2 emails from XXXX stating the transfers had been stooped for review ( Item # : XXXX Amount : {$1300.00} From : XXXX To : XXXX XXXX, Checking XXXXXXXXXX ) ( reasons. 

********************************************* Item # : XXXX Amount : {$30.00} From : XXXX To : XXXX XXXX, Checking XXXX ********************************************* ). 

I was at that point locked out of my account. I emailed the account back asking for an update and received auto message saying no response would be given but that this would help the investigation. 

It is still locked.
Consumer complaint received 2021-12-18
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft, and I have a right to privacy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Consumer complaint received 2021-12-18
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. (MI)

These accounts on my credit file are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts were 100 % accurately mine, So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC report # is : XXXX FTC report is attached and every account listed in my documents below are included in the report. 
Do not respond to me using a computer throughly look at my credit file and do your Job!.
Consumer complaint received 2021-12-18
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. (MI)

These accounts on my credit file are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts were 100 % accurately mine, So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC report # is : XXXX FTC report is attached and every account listed in my documents below are included in the report. 
Do not respond to me using a computer throughly look at my credit file and do your Job!.
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On Saturday XX/XX/XXXX. I was at a kohls department store. I was talked into getting a store credit card. Under the assumption I could get gift cards. When I went to ring out they informed me that I couldn't get the gift cards. The lady at the store voided the order. I was suppose to get the charges fixed within 24/48 hours. 7 days later here we are and the charge is still there. The card company has told me twice now to come down and the store could fix it. I live 45 miles from this store. Now I'm out gas and the frustration. I want to get this fixed.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I submitted a dispute with Experian regarding my XXXX account balance not being correct. The account was paid in full with a zero balance and during the dispute investigation, XXXX was not honest and said the balance was accurate.
Consumer complaint received 2021-12-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I sent the attached dispute to Equifax on XX/XX/2021 and they haven't respond as they are required by federal law which stated they have to respond in 30 days.
Consumer complaint received 2021-12-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (TX)

I do have a vehicle with bridge crest, I did speak with a representative know as XXXX XXXX about this matter and was told do not worry about it. So all of a sudden this item was put on my credit report so I asked to see contracts etc so they send me information Im the mail to send a copy of my social security number and asking for my drivers license. No Im not complying with this fraudulent activity sending my personal information to them. Not comfortable with that at all.
Consumer complaint received 2021-12-18
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. (MI)

These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXX AFNI ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have 2 student loan account : XXXX that Experian is reporting as included in a bankruptcy, closed and a late payment XX/XX/2021 ( showing on both ) I spoke with XXXX XXXX and they stated that I should dispute it and it would be updated I dispute twice and Experian never updated. During this pandemic student loans were forbearance and should have never been reported as negative. I want these accounts updated to reflect the correct information.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This private student loan was opened in XXXX and I renewed an in-school, XXXX XXXX deferment/forbearance form every year as required by XXXX XXXX, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the female representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report 2 late payments, significantly dropping my credit score. I was shocked and called XXXX XXXX. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact XXXX XXXX to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at XXXX XXXX I can speak to any longer. This is extremely frustrating and simply wrong.
Consumer complaint received 2023-06-12
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX