davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I want to inform the EXPERIAN Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

The information is incorrect. The original creditor received payment and requested termination of the lease. This account continues to show up on my credit as an active collection and needs to be removed. I have filed 4 different disputes none in which a signed agreement was provided. I need this removed from my credit immediately to secure safe housing. The apartment complex failed to repair and requested my move out prior to accepting funding from the XXXX rent relief. Funds have been sent in full prior to the open date of collection.
Consumer complaint received 2021-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed a dispute with XXXX, XXXX  and Transunion in regards to incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results. I have several items on my account the need to be removed due to inaccurate information. 
1. XXXX  - Late payment - never late 2. XXXX XXXX- Not my account 3. XXXX XXXX - Not my account 4. XXXX  XXXX  account- Not my account 5. XXXX XXXX XXXX XXXX Never late 6. XXXX account - Not my account
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 Section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-27
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. (GA)

I have contacted TranUnion XXXX  and XXXX  regarding my information being used without my authority. I have requested multiple times that the inaccurate information accounts and inquiries be removed.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NH)

This is a follow-up to the complaint I filed one week ago, XXXX, in which Citibank claims to be unable to find {$100000.00} I deposited in an online savings account on or about XX/XX/XXXX. Since filing that complaint, I have unearthed emails from Citibank that give some clues as to the number of that account. Since I can see no way to amend that earlier complaint, I enclose herewith my letter to Ms XXXX XXXX, Citybank CEO, together with copies of those three emails, which identify the bank account as ending in XXXX and the associated debit card ( which out of caution I destroyed as soon as received ) as ending in XXXX. Hilariously, I am still getting emails from Citi urging me to deposit funds in this account which their tech representatives claim can not be found. Thank you! -- XXXX XXXX
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2021 when I logged into my SunTrust now Truist business account I received a message saying that I was not authorized. I immediately contacted the bank and was told that my account has been closed with a no debit order per SunTrust rules and regulations as of XX/XX/2021. However, I personally made a deposit on XX/XX/2021 for {$910.00} which was accepted. I spoke with 3 managers and went to 2 branches without resoultion. I was finally told that there is suspected fraud under investigation and someone will contact me when the investigation was over. I was able to obtain a print out which showed someone tried to hold {>= $1,000,000} on XX/XX/2021 and on XX/XX/2021 a Legal Order Debit for {$9300.00} was garnished from my account by XXXX XXXX XXXX  who was my PPP lender. However, the loan was transferred to XXXX which has that I owe the full amount of my loan and there isn't anything due. XXXX XXXX has no knowledge of any legal debit order, XXXX has no knowledge of said order as well and I was advised to contact SunTrust/Truist fraud department and XXXX XXXX XXXX which I am unable to obtain any help. I have the print outs from all entities. I am a XXXX XXXX and this is my XXXX XXXX which they have stolen my funds and are withholding from me in the midst of a pandemic. This is XX/XX/2021 and SunTrust now Truist still hasn't contacted me not even to tell me about this fraud. I am seeking immediate return of my funds as this clearly has nothing to do with me or my XXXX XXXX.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I had a debit card account for direct deposit of my XXXX, and Social security checks.i was constantly being overcharged by wells fargo, for months/years for overdraft protections to the amounts of XXXX was never told why, and never overdrew, but eventually had to close accounts after years of being a good customer due to this.i was mistreated by customer service reps in banks, both in XXXX, and XXXX XXXX ... .i was taken advantage of, and i feel i was mistreated due to my XXXX.
Consumer complaint received 2021-07-27
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. (DC)

First to start I am submitting this complaint on behalf of MYSELF. My name is XXXX XXXX. I recently submitted a dispute via the mobile app for XXXX XXXX, and Equifax disputing items that per the FCRA should be excluded from the consumer report as well these companies did not have my written consent to report any information. Additionally, I should not have any items on my consumer report as 1. I did not give any consent to harbor my personal identifying information without my consent or the judgement of a competent court of jurisdiction. Having my personal information is a violation of the Privacy Act as well as 15 USC 1681a ( 4 ). Also reporting to credit reporting agencies is voluntary per the CFPB. To further per 15 USC 1681b ( 2 ), I have mailed my written instructions to all consumer reporting agencies, certified mail return receipt, regarding my consumer report. I have been injured by the errors and the violations against me, a federally protected consumer as it relates to my consumer report as the errors have cause me to be denied for consumer credit transactions. Additionally, XXXX  is in violation of 15USC 1681a ( 2 ) ( b ) for including items that should be excluded from my consumer report. Again I am Sending this complaint on my own behalf. This is NOT a third party complaint
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

This is my third complaint filed on PHH Mortgage regarding the same unresolved issue since XXXX XXXX XXXXThe amount of {$900.00} was to be released after mortgage payoff with PHH Mortgage XXXX XXXX. PHH mortgage claimed they mailed a check for this amount on XXXX XXXX XXXX I have not received that check. 

I have repeatedly contacted PHH Mortgages Customer Service and Research Department with no resolutions to this issue as detailed in my two previous complaints : # XXXX-XXXX  filed XXXX XXXX and # XXXX-XXXX filed XXXX XXXX. These complaints are attached. 

PHH Mortgage claims in their response to have sent three checks. I have received none of them.

I have attached PHH Mortgage last response dated XXXX XXXX. PHH MORTGAGE claims to have overnighted a check via XXXX tracking number is XXXX. ( The XXXX number should start with a 1 not an I ). PHH MORTGAGE did not state what address it was sent to. I have attached a screenshot of the XXXX tracking number. It also does not show an address of where it was sent/delivered. 

I have provided my current address to PHH Mortgage numerous times. My current address is listed on my complaint. You can see on the attached response from PHH Mortgage it has my current address. 

To be clear, I have attached a document providing my current address. Again, I have attached a document stating my current address My escrow overage check needs to be mailed to my current address.

This is NOT the exceptional customer service PHH MORTGAGE claims they strive for. I have been beyond patient in trying to resolve this issue for two years! 

I have attached all supporting documents for this complaint.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

I believed this is from a fraudulent medical bill. For the past 10 years I have had my medical covered 100 % by the VA. I have twice spent 5 days in the XXXX, XXXX XXXX received treatment from assorted Doctors outside of VA, and don't get a bill. At some point I started receiving notices about attempts to collect from some place called XXXX. I refuted these through XXXX XXXX and at some point they were removed. Now it appears a different company is trying to collect for what I don't know and I keep asking them to remove it. I ask that if the specific detailed reason can't be given that this be removed from my credit reports for good. With no information regarding it, and no one has indicated what it specifically was for, it really screams that it's a bogus bill scam.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I applied for a citi bank credit card and it was denied saying past or current delinquent account. I looked at my XXXX  credit Report and I didnt see any delinquency or public record and they telling me XXXX provided it. I am confused because thats not the case I have no delinquency.
Consumer complaint received 2021-07-27
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. (NY)

I have filed a dispute with Equifax, XXXX and XXXX  in regards to incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results. I have several items on my account the need to be removed due to inaccurate information. 
1. XXXX  - Late payment - never late 2. XXXX XXXX- Not my account 3. XXXX XXXX - Not my account 4. XXXX XXXX  account- Not my account 5. XXXX XXXX XXXX XXXX Never late 6. XXXX account - Not my account
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

FIFTH THIRD REJECTED DIRECT DEPOSIT ON XX/XX/21 FROM XXXX XXXX. XXXX XXXX MAILED A CHECK THAT WAS DEPOSITED ON XX/XX/21. FIFTH THIRD BANK CONTINUES TO HOLD THESE FUNDS XXXX OF XX/XX/21. WHEN I SPOKE TO THE BANK THEY GAVE ME THREE DIFFERENT EXCUSES ON THE SAME PHONE CALL. ESSENTIALY THE PERSON HAD NO IDEA WHY FUNDS WERE NOT AVAILABLE. AFTER NUMEROUSE CALLS, THE BANK STATED A 7 DAY HOLD BECAUSE OF AN ONLINE DEPOSIT. THE ONLINE DEPOSIT SAYS IT WILL BE AVAIALBLE WITHIN 5 DAYS SO NONE OF THE EXCUSES GIVEN COINCIDE WITH ANY OF THEIR STATED POLICIES.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OK)

We have a mortgage on our house. Last year around XXXX we had our house roof replaced due to many hail storms. Our insurance company, XXXX XXXX, sent a series of 4 checks over the next few months. The first one went through and was deposited. The next 3, however, did not and we found out US Bank now held the mortgage and had to sign off on them. We contacted them and they informed us the checks had to be sent to them in Arizona and this is where the lies and disrespect begin. Since this had been going on the roofing company was asking for payment. We informed them of what was going on and they agreed to wait a while. US Bank said send the checks to them so they could endorse them so we could deposit them and pay the roofers. My wife sent the checks overnight at our expense and included a return also at our expense. Over XXXX in cost actually. So we wait and wait and a couple of weeks later they send them back, not endorsed! We called them and they wanted to dispute that saying their records showed they had been endorsed. We had to make multiple calls and finally had to do so from a bank to get them to understand they had not endorsed them despite what their records show. This took a couple of weeks. The roofing company at that point really wanted their money. So we again send them back to US Bank in Arizona after calling them and we are informed they will overnight them back. Still waiting. Each time I call I am told a supervisor is dealing with that and that ends the conversation. I tracked the checks and no they have not been sent overnight to us. More blatant lies for no reason from US Bank. So today I get to contact the roofing company. If they demand payment I get to go to our bank and see about a loan to cover this. The response from US Bank? A supervisor is dealing with this. We did nothing wrong and this is so unfair. We are out close to XXXX now and more time than we should have had to deal with this all because they made a mistake which we have to fix.
Consumer complaint received 2019-12-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (MA)

On XX/XX/2019, I refinanced my mortgage with XXXX  XXXX XXXX, and closed my loan at SunTrust Mortgage. On XX/XX/19, I paid my property taxes personally at the City  of XXXX, MA in the amount of {$1400.00} so I could close on this date. I received a payoff quote from SunTrust on XX/XX/19 in the amount of {$330000.00}. On XX/XX/XXXX, SunTrust also paid the property taxes, during this time I requested that they not pay the taxes and they told me that they were unable to remove the funds since they were already on the " spreadsheet '', however they would return the funds to me once the City of XXXX sends them back. I continuously called and asked for updates. On XX/XX/XXXX, I called the City of XXXX and asked if they have sent the funds back to SunTrust, they were due to be sent out that day. On XX/XX/XXXX, I contacted SunTrust again, they said that the funds have not been received. On or about XX/XX/XXXX, I contacted SunTrust again and the funds had been received, but they had to wait for the funds to clear the account before a check refund could be processed. I called again on XX/XX/XXXX to validate the funds have been cleared and was assured they were and a check would be issued. On XX/XX/XXXX, I contacted them yet again, and this time they informed me that I would not be receiving the refund as they had advanced the funds to me and did not include that amount in their initial Payoff Statement, then they quoted me an additional payoff statement in the amount {$330000.00} for XX/XX/XXXX. My loan was closed on XX/XX/XXXX. At no time during my initial conversations was I informed that I would not be receiving the funds back until XX/XX/XXXX. I spoke to several different departments, Customer Services, Property Tax & Escrow and escalated the call after being on hold for at 40 minutes each time. I believe I am entitled to the funds as I paid my taxes myself. Why would SunTrust pay taxes on a mortgage they no longer own and also use a different payoff figure 15 days later? I would like an escrow analysis done on my account. Also I can provide you all of the documentation and my broker 's contact information.
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NY)

I have tried to settle this matter and XXXX XXXX XXXX have ignored every request for verification dated in 2018 XX/XX/XXXX asking for verification and they continued communication and reporting on an unverifiable account until XX/XX/XXXX when they just deleted the account and said nothing they brought the account back the following month and clam it never happened I then sent mail via Certified receipt on XX/XX/XXXX it was received and has not been deleted
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I am applying for a mortgage. When companies try to pull my Equifax credit score/report, they receive an error message that " APPLICANT INFORMATION FROM THE INQUIRY HAS BEEN IDENTIFIED BY THE CONSUMER AS FRAUDULENT ''. This error comes with error code XXXX I have called Equifax and they said that there are no fraud alerts on my account and there is nothing they can do. They told me that I couldn't speak to a XXXX to resolve because there was nothing that they could see that the representative couldn't see. 

This is an unacceptable response by the credit bureau. I own my credit and they can not impede my ability to apply for financing without offering to resolve. 

When I look on MyEquifax.com, it shows that I do not have a Fraud Alert, but as mentioned above, when the banks try to run my credit from Equifax they are told that I do have a Fraud Alert and that I need to call Equifax at XXXX. 

Attached is an example of the error that the lenders have received.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NC)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear JPMCB Card Services, I am writing to address a concerning matter regarding an inquiry reported by JPMCB Card Services, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX and XXXX, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided XXXX written consent for JPMCB Card Services to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA XXXX XXXX, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying JPMCB Card Services to remove this inquiry from my file within XXXX business days. 

Furthermore, it has come to my attention that JPMCB Card Services neglected to inform me of my right to rescission, as outlined in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, specifically Regulation Z ( XXXX XXXX XXXX ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the XXXX number associated with the security interest provided to JPMCB Card Services. Failure to provide this information will leave me with no alternative but to initiate a level XXXX audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2021-07-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I recently attempted to apply for a Mortgage refinance with NFCU. When applying NFCU had a screen out process without allowing me to actually apply for a mortgage refinance. 


I was screen out of a mortgage refinance without ever having applied nor be given a fair opportunity to apply. I feel this is discriminatory.
Consumer complaint received 2019-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WI)

ERC ( Enhanced Recovery Company , LLC ) is attempting to collect a debt in the amount of {$1200.00} ( Ref. Number XXXX ) from me for the creditor of XXXX   XXXX. I never spent or made any purchases in this amount through either the bank or through XXXX. I have called XXXX and confirmed that there was never a charge in this amount on my account. 

They called me at my employer and I told them I thought they were a scam and wanted more detailed information. They now sent me a letter in the mail for a collection notice.