davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-03-24
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: ID Analytics, Inc. (CA)

Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files. 

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well. 

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts. 

If we don't receive the cooperation, we will file a small claims court action to protect our rights.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

In XXXX I was working on purchasing a home. The Real Estate deal was progressing and was supposed to close on XX/XX/2024. 

XX/XX/XXXX, I received an email that appeared to be from XXXX XXXX XXXX XXXX asking me to wire the funds to close of nearly {$400000.00}. The amount was correct, the property address was correct, the email had a picture of the title company XXXX, the timing was correct. 

I wired the money to an account at Fifth Third Bank on XX/XX/XXXX which had the beneficiary ( account holders name ) entitled XXXX XXXX & XXXX. At around XXXX AZ time. 

On XX/XX/XXXX, in the morning, the title company called me and asked to set up a time to sign the closing documents and bring the funds to close. I told the Title Company that I had already wired the funds. 

When I forwarded the email, XXXX XXXX XXXX XXXX informed me that the account was NOT their account. I immediately went to my bank and had my bank issue a re-call of the Wire. 

I also filed a police report and called the FBI. I went to my bank every day to see if the funds were there and if the money would be returned as requested. 

The only answer I got was that Fifth Third Bank was looking into the matter. This cycle continued until XX/XX/XXXX ( after my banks attorneys sent a Demand Letter ) when Fifth Third gave us a definitive answer that all the money was gone except {$2000.00}. 

It took 22 days to get this response. I have no other answers. I would like to know who owns that account, where did my money go, how was the money moved out of the account, when was the money moved out of the account, has the account been closed, was there ever a fraud investigation, what was the result? 

During the 22 days, I sent 6 emails, 1 priority letter, and 2 phone calls to Fifth Third Bank requesting information. I was denied any communication.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (FL)

Going on two years of trying to get one item corrected that has been verified by everyone but Experian. Experian is not putting any effort into making contact with the credit card company, who has repeatedly stated it is it Experian issue and not theirs. Even with a Experian representative on the phone they would not allow me to put the credit card company on the phone for verification. I have mailed the requested documents. 
This is causing enormous unneeded stress.
Consumer complaint received 2017-12-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened a home equity line account with Bank of America in XXXX of XXXX. When I did my home refinance with XXXX bank in XXXX XXXX of XXXX, I called Bank of America to keep this account of mine open. Bank of America promised me that this account would be kept open no matter what. However Bank of America closed my home equity Line account without any reason. Even worse, Bank of America charged me a fee for their mistake. 
When I called Bank of America, I was told that I could re-apply for a new home equity line account. I followed their advice but Bank of America ate its own words and turned down my application. 
Why Bank of America should cheat its customer repeatedly? 
Please help me. 
Thank you!
Consumer complaint received 2017-12-27
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: EQUIFAX, INC. (FL)

Equifax, XXXX & XXXX. 

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 
Company & Inquiry date 1. 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/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/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 Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

XXXX XXXX XXXX
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

Started a day after my birthday, which was all the more suspicious to begin with, I received a private call ( to the best of my memory ) asking me to verify my social security number, as they had personal information verbatim. Which prompted me to not comply, as I receive automated/spam/impersonation calls claiming that I have outstanding student loans, which are all lies, as I do not have any debt and Ive always paid my bills in a timely manner. Its very difficult differentiating what calls are what, especially when Im called on private numbers. We also live in the 21st century, where virtually everyone is easier to contact via email which is what I told Helvey & Associates and their response was, due to the nature of our business, we dont disclose our identity. If I had known they were a collection agency, I would have done everything in my best interest to comply.
Consumer complaint received 2017-12-27
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. (FL)

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 

Company Name & Inquiry date 1. XXXX XXXX date N/A 2. XXXX date N/A 3. XXXX XXXX date N/A Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

Sincerely XXXX XXXX
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-21
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: Global Lending Services LLC (VA)

On date XX/XX/2019 Global Lending Service pulled my credit without my authorization from XXXX. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with Global Lending Service Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}
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: EQUIFAX, INC. (NJ)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-12-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (FL)

I asked for relief after XXXX XXXX, and was told I could skip a payment with NO penalty. Now, I finished the priginal schedule ( my last payment was XXXX ). So all I should have left is the payment I was allowed to miss. But instead of the standard {$140.00} payment to pay off the loan, they are saying I owe over {$400.00} to pay the loan. 

I ahve no issue with payin the {$140.00} I was told I could pay at the end of the loan to satisfy the loan, But I 'm not paying {$260.00} extra in fees when I was expressly told I could miss that payment because of the hurricane.
Consumer complaint received 2017-12-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

When I checked my Credit reports I noticed " XXXX XXXX '' collection agency was trying to collect money from me. 
I asked them to validate any contract I had with XXXX XXXX and all they do is send me something from another entity, I have, had no contracts with XXXX XXXX ever, past or present, why would I give them anything? 
The contract I may or may not of had with the entity they are showing me has nothing to do with my obligation to another INC. LLC or other corporation such as " XXXX XXXX '' in this fraudulent attempt to collect a debt, without validation from their specific company, Convergent. 
I want XXXX XXXX to remove me entirety from my credit reports.
Consumer complaint received 2018-03-24
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: LEXISNEXIS (CA)

Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files.

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well.

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts.

If we don't receive the cooperation, we will file a small claims court action to protect our rights.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

THIS IS A FOLLOWUP TO CFPB CASE # XXXX. XXXX XXXX XXXX reduced my credit limit without my request and against my desire. They claimed this was because of under-use of credit. UNDER-USE OF CREDIT IS STRONGLY RECOMMENDED BY ALL FINANCIAL PROFESSIONALS AND GOVERNMENT AGENCIES. Capital One refused to change the credit back to its prior level. CAPITAL ONE FALSELY INFORMED THE CFPB THAT THIS WAS SIMPLY A BUSINESS DECISION. That is demonstrably untrue. Please see line 4 of attached document " XXXX, '' where Capital One clearly states that what was done was NOT a " business decision '' but was a ***DENIAL OF CREDIT. *** This DENIAL OF CREDIT -- which negatively affects my credit score -- was done WITHOUT MY REQUEST AND EVEN THOUGH I HAD NOT APPLIED FOR ADDITIONAL CREDIT. Thus, Capital One made a FALSE REPORT TO THE CREDIT AGENCIES AND ALSO TO THE CFPB.
Consumer complaint received 2018-03-24
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. (RI)

I recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any. 

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ). 
I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation. 
The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above. 

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
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I have requested a letter stating that my wife has been removed as an authorized user on three different occasions. On each occasion a letter is faxed but the requested information is never listed. The fax takes 24-48 hours to come through so this process has now been unfolding for over a week.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX i came with clean hands to extend my credit as a investor. CAPITAL ONE denied me my right to extend credit. I am requesting CAPITAL ONE provide me based off of the law, what factors underwriting used to deny me? Because i am aware that per CAPITAL ONE 'S most recent XXXX filing that my application that was completed for this transaction is has now been securitized into a promissory note and is now transferrable to a third party, and the account was still opened on the private side. I will be revoking CAPITAL ONE 'S ability to transfer my note until this issue has been resolved. I gave CAPITAL ONE my social security number which gave said company access to my trust, when the PRIVACY ACT OF 1974 states I am not obligated to give my social security number : Section 7 of the Privacy Act ( found at 5 U.S.C. 552a note ( Disclosure of Social Security Number ) ) provides that : It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his social security account number. Sec. 7 ( a ) ( 1 ). Also, I will be reaching out to said company regarding my interest i created from the commercial paper be deposited into my Treasury Direct account on a monthly every 4 week period in which said company will be entitled to their 20 %. If capital one chooses to not comply i will be forced to contact the appropriate officials.
Consumer complaint received 2022-09-08
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Statebridge Company (TX)

I bought this property at auction in XX/XX/XXXX, from the company that was holding the mortgage. I don't know how Statebridge ( Account ID : XXXX, XXXX XXXX, deceased ) got involved, but I suspect it was handed over to them for collection before the property was foreclosed on. I have talked to them several times. I thought they had resolved the issue because I had no phone calls or mailings for about six months. Then, I received another mailing in XX/XX/XXXX. 
As the former owner is deceased, they won't discuss the account with me, the current owner, but they have had no issue with harassing phone calls and mailings.
Consumer complaint received 2018-03-24
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. (RI)

I recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any. 

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ). 
I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation. 
The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above. 

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
Consumer complaint received 2017-09-09
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. (CO)

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' Equifax indicates that my personal data was impacted by the breach that occurred around XX/XX/XXXX, but that customers were not notified until XXXX XXXX. 

Equifax has mishandled the data and the response to the breach allowing my personal credit score, identity, digital identity and financial future to be at risk.
Consumer complaint received 2019-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The 3 major credit agencies seem to go against the laws of the FCRA and the FTC, I have disputed these unauthorized inquiries for months and the 3 credit agencies all seem to report them back as verified. Verified by whom, until these 3 major agencies send me some type of physical documentation of these unauthorized inquiries then the inquires shall be removed/ blocked immediately. And these unauthorized inquires are 1 ) XXXX XXXX XXXX  ( XXXX ) 2 XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX XXXX XXXX ( XXXX ) 5 ) XXXX ( XXXX )