davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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: CITIBANK, N.A. (IL)

The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a CitiBank account for {$3500.00}. This debt was purchased by XXXX XXXX a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to XXXX was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.
Consumer complaint received 2021-10-29
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: WELLS FARGO & COMPANY (IA)

MY WELLS FARGO AUTO LOAN ACCT XXXX .... WAS PAID OFF IN XXXX BUT IT'S REPORTING AS A CHARGED OFF ACCOUNT.
Consumer complaint received 2022-05-16
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. (VA)

Dear CFPB, We have an ongoing problem with Equifax Commercial that Equifax has done nothing about. Equifax has been notified in writing several times, in the past 18 months regarding an issue with our Equifax Credit Data at XXXX. Attached are some reports, recent in XXXX, XXXX and XX/XX/XXXX from XXXX that show our Credit with XXXX XXXX  XXXX, XXXX, and Equifax. Note that Equifax is showing a " Charge off '' in my Credit History if you can open the Attachment with the XXXX  and a D Risk Rating for my company assigned. 

If Equifax feels that this data is accurate please let me know. If Equifax disagrees with what XXXX is showing in our profile to potential Lenders, then Equifax must finally do something about this and reach out to XXXX to see what is going on in the Contract between Equifax and XXXX. 

As per the attached recent correspondence, attached. Our Lawyer sent a Letter regarding this erroneous Credit Data that is False and Fake from Equifax on the XXXX company profile for us. Equifax has not yet responded. However, XXXX has an Inside Counsel named XXXX XXXX who is " Standing By '' their Assessment, that he says is " According to Equifax '' That XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( my company ) needs to take up this issue with Equifax. 

Every single Letter, Call and Report to Equifax about this Alleged Charge-off that Equifax is reporting on my company that we have sent in the past 2 years ( since XXXX ) has been ignored by Equifax. Equifax sends sometimes a copy of my company 's Credit Report that is clean and does not have any negative information, however the XXXX company when they see that still refuses to make the correction. Equifax is not handling this properly and we are demanding that Equifax will review the Attached information where XXXX is claiming that " Equifax Says that XXXX XXXX has a D /386 company score ''. 

Also they ( Equifax ) refused to send me copy of my recent Business Credit Report the last time I called. I can't understand why they ( Equifax ) would not want to help us to have this mattter corrected and resolved. Further, Please let Equifax know that According to XXXX XXXX, Inside Counsel at XXXX ( Please see all attached ) the ONLY WAY TO GET THIS MATTER RESOLVED IS WITH EQUIFAX. 

I have also attached a copy of our Equifax report first page from 6 months ago for this. Please let me know what you find out! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EIN number XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instrusctions.

15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-16
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. (NY)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-05-16
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. (NY)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (MD)

I have been calling every other day and you have to wait on the phone for 4 and 5 hours or more before someone can talk to you about your account. 
As XX/XX/22 I received a statement in the mail with the amount of funds that they are still holding but when I go to check on my account on the phone it's still close. And I was told by someone in the main Headquarters that the investigation was not over. But " I should be receiving my funds and my account should be open for where I can receive my money. They know that, they was wrong on there end. Because I have warning and told them. And the money that they was holding was there for XXXX, that was before the fraud check. 
I want my money.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX around XXXX XXXX  I received an email from capital 1 that a new account has been opened in my name. I called customer service and we determined that it was open fraudulently. Therefore I department was not open on a Sunday. I called this morning and had the account frozen and deleted. I was advised to file a police report, file a claim on this website, and report to XXXX, XXXX, and XXXX XXXX
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (MI)

I obtained a loan modification in XXXX from XXXX. After I got it, they sold my loan to another company. They in turn sold it to another company with it being sold every year. My taxes and homeowner 's insurance were part of my mortgage payment. When it went to XXXX in XXXX, they stopped paying my homeowner 's insurance and told me to do so on my own. I did so and have paid it myself for over three years. In XX/XX/XXXX my loan was sold to Selene. I continued to pay my own insurance for over a year and a half. Selene suddenly started accusing me of not having home owner 's insurance. I sent them verification that I did and they acknowledged that they received it and are aware that it is paid in full for the calendar year. All of a sudden, they have decided that they want to pay the insurance themselves and have increased my mortgage payment by {$260.00}. This is more than I pay yearly for home owner 's insurance. When I called them about it, they said it included my taxes. I told them that was not true as my taxes have not increased and I pointed out that my previous payment included my taxes without the insurance. Thus, the increase was for my insurance. They then said XXXX told them they paid my insurance when it was sold to them and that XXXX had last paid my insurance in XX/XX/XXXX. I told them this is not true as I have paid my insurance myself for 3 years. They then said they did an analysis when they bought the loan in XX/XX/XXXX and that's why I am now being charged for insurance. I asked them why did it take a year and a half for them to tell me they wanted to do this? Further, I advised that I never received any analysis or documentation from them about this, and that they had told me in writing, email and over the phone that they accepted that I would pay my own insurance. I also questioned why they were charging me more to escrow my insurance than I pay, and why they are charging me for insurance that is paid in full already. They said they would collect the money and have the insurance company refund the money that I paid them already. So in effect they would be voiding my paid in full policy for their own benefit. I talked to them about a waiver wherein I continued to pay my own insurance but was told I wouldn't receive one. So, they have lied about allowing me to pay my own insurance, the reason for the mortgage amount increase, about XXXX paying my insurance, and their property analysis which was never sent to me. The fact that they have consistently lied, and want to charge me for insurance that is already paid in full, and more than I pay is concerning to me. I want to pay my own insurance as I have previously done.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a copy of my credit report and found many inaccuracies. XXXX XXXX has violated my right to an accurate report, due to the many inaccurate dates of payment status. it is reflecting late 120 days on XXXX, 150 days late on XXXX and XXXX on XXXX. XXXX dates of last payment XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. This is a violation o 1681e b whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of information concerning information about whom the person relates. 1681c ( c ) 4 accounts placed for collection or charged to profit and loss antedate the report by no more than seven years. It will be impossible to get a valid antedation date with so many different dates being reported. 15 U.S ( 1 ) duty of furnisher to provide accurate information. I demand that this account be deleted. I understand that under 15 U.S.C you must complete this within 30 days of receipt
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION ()

I filed a complaint XXXX regarding M & T bank they have just contacted me and are still refusing to recognize that I am a borrower on my mortgage because my late husband signed as my agent since he had power of attorney at our closing. the bank states since I did not physically sign I am not the borrower. 
this is insulting to me I need M & T to recognize that I am the borrower on this morgage and assign a senior agent to deal this situation ASAP I have attached documents please see page 33 & 34
Consumer complaint received 2022-05-16
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: Maximus Federal Services, Inc. (FL)

XXXX is the company consolidating all student loans on my CREDIT REPORT. To date XXXX is no longer the company consolidating my student loan debt. I have never owed any payments neither been late on paying as my account has always been in a differed payment status. XXXX reports a late payment on my account which is not accurate whatsoever. In addition, XXXX now claims to have no administration over my student loan accounts. They have transferred my student loan account to another company. XXXX has done so without having provided any proper/legal notices of this transferred/changed account status. XXXX is continuing to report on my credit as the administrator managing my accounts which violates the FCRA rules of truth and accuracy in reporting.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX/XXXX/2015 I disputed an inquiry on my credit report directly with XXXX via certified mail. The letter was received, but there has been no response. Please remove this item from my credit report immediately!
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1618 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 a account without my written instructions.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (MD)

I provided documentation and a request to the credit bureaus via XXXX Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, To remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: U.S. BANCORP (NC)

I purchased a prepaid debit card for {$100.00} from a grocery store a few months ago. The card was issued by US Bank. I made a purchase from a restaurant that was well below the {$100.00} limit on the card, {$56.00}. However, the bank approved the transaction for {$140.00}. Which made my balance negative, which makes no sense since this is a prepaid card without overdraft protection. 

I called U.S. Bank at the phone number they provided for disputing transactions. I informed the representative that I needed to dispute the amount of the transaction. She asked me if I had contacted the merchant first. I responded no. She said that I have to first dispute the transaction with the merchant. I replied that is contradictory to the disclosure provided to me by U.S. Bank which states that I should contact the bank in the event of an error with a transaction. The representative put me on hold while she spoke with a manager. She came back and said that her manager stated that I must first contact the merchant before I contact the bank with my dispute. I asked to speak with the manager and I went over this again and again. After almost an hour long process, the manager finally said so you would to go ahead and file a dispute? I said yes that is what I have telling you from the beginning. Then he transferred me to another department to finally file my dispute. 

U.S. Bank is not following their own disclosures or the law. They are attempting to turn as many people away as possible from filing disputes with them. Had I not been so persistent, I would not have been allowed to file my dispute. 

On XX/XX/2019, I received a letter from U S. Bank that they had provisionally credited my account in the amount of {$140.00}. The letter stated " You will have full use of these funds while we complete our investigation. '' I tried to use my card later that week and it was declined. I called U.S. Bank and they said that it was declined because my card was " deactivated '' due to the disputed transaction. I asked then if I could get a new card so I could " have full use '' of my funds. The representative stated that she could send me a card, but there was normally a fee of {$5.00} for a new card. However, she said she could waive the fee in my case. I received the card recently. However, the bank charged me {$5.00} for the new card. So essentially to " have full use '' of my funds I have to pay U.S. Bank another {$5.00}, which was NOT mentioned in their letter to me regarding the provisional credit.
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (SC)

I refinanced my home in XXXX with XXXX XXXX. In a letter dated XX/XX/2019 I was notified that my loan servicing will be transferred to XXXX XXXX, XXXX. The paperwork was not clear and in reality only the primary mortgage had been sold and XXXX XXXX  retained the 2nd mortgage. 
XXXX XXXX  Loan # XXXX to XXXX XXXX , XXXX Loan # XXXX XXXX XXXX   Loan # XXXX, in reality stayed with XXXX XXXX. 
Without this knowledge, I made both payments to CMC/XXXX  through my bank bill pay on XX/XX/XXXX.  I made 2 separate payments to CMC, but I used the appropriate XXXX XXXX   account number on each. 
I only knew there was a problem when XXXX called to collect on the past due payment. At that time my account had not been " on-boarded '' by CMC so they could not help me. Account was finally set up 2-3 weeks later. After multiple hours of research, CMC posted the erroneous payment of {$1000.00} to additional principle. I applied for a refund and I received a message that the check was sent to my address of record on XX/XX/XXXX but I have not received. Many call attempts but after being on hold, they hang up and state they are in an all employee meeting and disconnect the call on multiple occasions. At least 6 times in last 3 days. Maybe 12 times before that. Can't be in all employee meetings that much.
Consumer complaint received 2022-05-16
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. (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN DATE OPENED-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX HIGH CREDIT- AMOUNTS DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- SHOWS BALANCE- WHEN ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX, EXPERIAN & XXXX PAYMENT HISTORY- HISTORY DIFFER XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX  was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX XXXX complied with this requirement.
Consumer complaint received 2021-10-29
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2022-12-16
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.