davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND THE COMPANIES THAT REPORTING ON MY CREDIT REPORT ARE FRAUDULENT. JUST BECAUSE ITS EQUIFAX AND BIG COMPANIES IT STILL GIVES THEM THEM NO RIGHT TO REPORT FRAUDULENT INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE BEEN REACHING OUT TO THEM FOR MONTHS, I HAVE REACHED OUT TO THE CREDIT CARD COMPANIES AND THEY CANT FIND ME ON YOUR DATABASE, BUT YET THESE 2 ACCOUNTS ARE NOT REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2018-05-08
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: JPMORGAN CHASE & CO. (CA)

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CHASE CARD on XX/XX/2016 which l have no idea about it at all.
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/21 XXXX around XXXX my wife and I went to the ATM at Fifth Third Bank to deposit my bonus check from my employer. I signed the check and wrote " pay to the order of " Them my wife signed it. ( Which is how the bank has told us to do it the past. I am not on the account. The transaction was complete the check was deposited and we waited for it to be available. The next day at XXXX still not available. So wife calls the bank and was told bank rejected check. Asked why was told payee not on account. Okay can we have the check back was told no .. that a legal copy of the check would be mailed to us. NEED OUT MONEY ASAP.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My checking account ( XXXX ) was hit multiple times over a weekend and my bank did not reach out until the following monday to question a withdraw that I was told was denied. I was not given detail as to why it was. By this time nearly a {$1000.00} had already been stolen. That's not right. There is a way for credit card thieves to figure out your PIN. 

All through XX/XX/XXXX my account was hit multiple times and Chase never reached out. I did not have the card. Since I was hit with debit card transaction theft before, I keep the card at home and use a bank across the street where I live to get cash. So when I was alerted on the following monday at work, I had to wait until the end of the day only to find it lock up at home.
Consumer complaint received 2020-07-30
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 have a line of credit with XXXX XXXX XXXX XXXX of XXXX. Upon check my report with Experian I noticed they are showing the account closed. I have contacted them to have a the account updated. They mention that XXXX XXXX is reporting the information to them. I contacted XXXX XXXX and the account is open in good standing and has been since the date it was open. I have asked Experian to update the correct information and they have failed to.
Consumer complaint received 2018-05-08
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: ALLY FINANCIAL INC. (CA)

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ALLY FINANCIAL on XX/XX/2016 which l have no idea about it at all.
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Resurgent/LVNV Funding have not given a legal contact between their company and myself stating that I promised to a pay them XXXX dollars nor any amount of money. I have not received any notification from their company, nor have I spoken with any representative of their company.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information. I am distressed that Bureau has included the information below in my credit profile and that they have failed to maintain reasonable. 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. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
Credit Bureau must remove this account Immediately.
Consumer complaint received 2022-07-24
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. (FL)

Upon review of my Equifax credit report I noticed these unauthorized credit inquiries : XXXXXXXX XXXX  / XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

First, I will NEVER use Fifth Third Bank for any service again nor will I allow anyone I know to even consider dealing with these loose and inept customer service phone associates. They gave me several conflicting reports and answers re : the payout and closing of my car loan. In addition they gave out conflicting and erroneous info about the faxing of a letter of satisfaction and a copy of my title. Its obvious that this ineptitude starts at the top and filters down to the rank and file personnel. They continuously left me on hold for 15 minutes to look for a Supervisor. They lied about what they could do and refused to facilitate my reasonable requests five days after the loan was posted as paid out entirely. 
Never Again - what an incompetent group of people handling loans no less - SHAME!
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is reporting a charged off account on my reports. I have disputed this account both with the credit bureaus as well as directly with XXXX XXXX XXXX and have yet to hear back from either of them. Furthermore, XXXX XXXX XXXX is verifying this inaccurate account with the credit bureaus and each bureau is reporting multiple inconsistencies concerning this debt such as, different account numbers, different last active dates as well as different last payment dates. How is this account able to be verified if they arent even able to reports a validate consistent information on my reports? They are in clear violation of my rights as a consumer to dispute inaccurate information from my reports as well as report inaccurate information on my credit report. I am requesting that this account is deleted from my credit reports and all documents concerning this account be mailed to my address!
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have filed multiple reports with Transunion requesting that they remove the account XXXX XXXX XXXX that is on my account. I have no knowledge of this account and under the law 15 USC 1681b I would have to give my consent for this to be reported to my consumer report. I have attempted several times to resolve this and transunion has not cooperated or complied with my request. I am submitting this report to the Consumer Finance Protection Bureau with legal action to follow.
Consumer complaint received 2021-06-15
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: Bread Financial Holdings, Inc. (NY)

review the following accounts that appear on my credit report, without any authorization, are hurting me XXXX Account Number : XXXX This is not mine. 
CB/VICSCRT Account Number : XXXX
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITY NATIONAL BANK (NV)

In XXXX of 2018 we completed an application for an unsecured line of credit for {$100000.00}. By XXXX we had pulled out all {$100000.00} and started making payments on it. While getting payments set up with the bank was much more difficult than it needed to be, we did make all of our payments on time for the last 18 months exactly as billed. After 11 months City National emailed me and notified me that I needed to re-apply for the loan or not only would the line be closed, but the full amount would be due immediately. I provided assets over 2.5x the credit line and income supporting a very low DTI , but that wasn't enough. They continued to harass us only via text and email, never mail ( just kept billing us the same amount due ) so we decided, regardless of the resolution, we never wanted to do business with City National Bank and started aggressively paying it down. Over the following 5 months we reduced the balance by over {$50000.00}. On XX/XX/XXXX I received another text message from a person at the bank stating we owe them the rest of the money by XXXX or they will file it with collections.
Consumer complaint received 2024-02-12
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. (OH)

I have encountered persistent challenges in rectifying unauthorized accounts and inquiries on my credit report, despite diligent efforts to engage with the credit reporting agency. Notably, previous disputes raised pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c2, which mandate stringent compliance with accuracy reporting and full file disclosures, have been met with inadequate responses from the agency. Despite my repeated attempts to escalate the matter and engage with supervisory personnel within the fraud and dispute departments, the agency has failed to facilitate such discussions, citing internal policies that seemingly diverge from the explicit mandates of federal law. 

Under 15 U.S.C. 1681c2, the agency bears a legal obligation to expeditiously block any information originating from alleged identity theft, upon receipt of requisite documentation, including substantiating proof of identity, an identity theft report, specific identification of disputed information, and a formal statement disassociating said information from any consumer-initiated transactions. Notwithstanding the provision of comprehensive documentation, including my driver 's license, social security card, and an FTC report, the agency has regrettably neglected to fulfill its statutory duty within the prescribed four-business-day timeframe. 

My paramount concern stems from the agency 's apparent non-compliance with federal statutes enacted to safeguard consumers against the deleterious effects of erroneous credit reporting. As such, I am compelled to signal my intent to pursue further recourse, including, but not limited to, legal remedies, absent expeditious compliance with the mandates of 15 U.S.C. 1681c2. I therefore implore the agency to promptly rectify the identified inaccuracies in my credit report and take requisite measures to ensure future adherence to federal law.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Seattle Service Bureau, Inc (MO)

I was involved in a car accident on XXXX in a private parking lot where the other driver collided with my truck, under our states statutes he would be deemed at fault as the damage appeared at first to be minor to my truck I was willing to drop the matter, he contacted the police to file a report I gathered contact info from the witnesses that were present at this time. When the officer arrived he stated as it was a private parking lot we were both responsible for our own damages. A year and a half later I went to renew my insurance at which time they notified me I was suspended for this car accident. I reached out to the other drivers insurance company and sent them copies of the amended police report with witness statements. At which time XXXX XXXX refused to change the position of liability, the state XXXX stated that I needed to contact National Service Bureau the debit collector hired by XXXX XXXX. After contacting NSB I explained under our states laws I was not responsible for their damages they were actually responsible for mine Based on witness statements and my statement of what happened. One witness included a diagram of what happened and the other driver hitting my truck that was at a stop. With all of this National Service Bureau has taken action against my Drivers licence with out a Judgement or a valid claim that this money is owed. I can not get my license reinstated without payment to National Service Bureau, It comes down to me being held in a position of extortion to pay an unjustified debit in order to have my rights and my life back when I have no fault in this manner.
Consumer complaint received 2022-12-01
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. (WI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX Accounts # XXXX XXXX ( {$840.00} ) Account # XXXX XXXX XXXX XXXX ( {$11000.00} ) 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 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 the information is inaccurate.
Consumer complaint received 2016-03-25
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I just received my credit report. There are XXXX derogatory entriesXXXX from Bank of America. I complained to them XXXX years ago and assumed they had removed them. 
I have NEVER had an account with BOA. I received XXXX unsolicited cards from them in 2011 which I assumed were sent by mistake. They were never activated and I still have them in their original wrappings. 
I 'd like XXXX charge-offs removed from my report.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

YOUR RESPONSE HAS TAKEN MORE THAN 30 DAYS DELETE ACCOUNTS AT ONCE. Please Follow Suit and remove the following accounts from my credit report ASAP. If you fail to due so you will be breaking the FCRA rules and laws. In this complaint I will attach a follow suit letter. Proof of XXXX deletions, and the original letter which you failed to respond to within 30 day time period will be all be attached to this complaint. As a result you guys must delete these accounts due to privacy consumer rights at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNT HAVE BEEN REMOVED FROM OTHER BUREAUS PLEASE REMOVE AT ONCE.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (CA)

On XX/XX/2021, I made a credit card payment through my online banking account. I noticed the balance amount was not a good number ; thus, I made an additional payment for a few dollars. The payment was processed immediately. The monthly payment was due the following day XX/XX/2021, which was a Sunday. I sent a message through the online banking system inquiring about the status of the monthly payment, but still have not received a response. Since I live on a fixed income, I could not attempt to make another payment in fear of overdrawing the account. I telephoned the bank on the XXXX, and to my dismay, the monthly payment was not processed and there is no record thereof. So, I made another payment and the fees are as follows : Late Payment Fee {$27.00} Monthly Interest Charge on Cash Advance {$30.00} Monthly Interest Chare on Purchases {$70.00} These Fees Total {$120.00} I telephoned the bank again asking them to waive the fee, and my request was denied since a late fee was waived in XX/XX/2021. 

There is a branch downtown close to where I live so I usually go there to use the atm, and when the atm is not working I go over to XXXX XXXX next door, and I am charged a fee by my bank, Bank of the West, and XXXX XXXX
Consumer complaint received 2021-06-15
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: Navient Solutions, LLC. (MA)

There are two loans from neivant loans and they keep reselling the loans to collections I have a total of six times the same two Loans are on my credit report and this is since XXXX, shouldnt they have been off my report? This is preventing me and my children from a lot we are entitled to. Ive been XXXX by the state of XXXX since XXXX and unable to use the certificate I recieved for completing the XXXX XXXX course at XXXX XXXX in XXXX, XXXX!!! Totaling up to almost XXXX dollars on my report this is unfair and unjust I have had to higher a lawyer to help me also taking note money out of my pocket as a single mother of XXXX children trying to better our lives but get turned down from so much for example we need a vehicle and I cant get one cause of this situation. My name is XXXX XXXX XXXX XXXX : XX/XX/XXXX last four of social is XXXX please help stop this madness!!!
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I was applying for a mortgage refinance and the the broker identified below from Amerisave provided misleading information leading to me disclosing personal information I would not have disclosed had he been transparent. Specifically we exchanged several emails and texts and where Mr. XXXX informed me my total fee would be {$4000.00}. I specifically asked if this amount included " appraisal, title and recording, and discount, origination, and all other lender fees. '' He responded in the affirmative, stating " the only fee we take up front is an application fee which is credited back ... .and the appraisal fee of {$440.00} is included in the {$4000.00}. '' Based on this, I agreed to provide my personal information ( SSN, income, etc ) so he could initiate the full loan application. The loan estimate he provided at that point included ~ {$1300.00} in additional fees ( including the appraisal fee ) on top of the {$4000.00} he quotes. All of these fee are in one was or another " appraisal, title and recording, and discount, origination, and all other lender fees. '' He tried in many ways put the blame on me because I never asked specifically for the total closing costs. This is disingenuous and not working in good faith at best, and more likely misleading and potentially fraudulent behavior. 

XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX TX XXXX
Consumer complaint received 2020-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

Hello, my name is XXXX XXXX. 
I was using a third party vendor called XXXX XXXX XXXX, to be on loan forgiveness. I called them in XX/XX/XXXX to renew my eligibility. I also emailed. Noone answered and noone called me back noone emailed me. 
In XXXX I received a student loan bill from FedLoan servicing for XXXX dollars. I called XXXX XXXX XXXX again, because I had still been billed every month for my usual {$50.00}. I called and emailed, nothing but an answering machine. 
I then called fedloan servicing. XX/XX/XXXX and XXXX XXXX. I only get a sweepstakes recording, over and over. I attempted to email twice on those days and it responds with a weird error message. I am racking up debt, my credit score is going down and I do not know who to call! Please help me! 

I have an issue with XXXX XXXX XXXX company ( supposedly from XXXX ) And, FedLoan servicing.
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.