davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

This complaint is being made by me there is no third party involved. 
I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. Furthermore they are also in violation of the Graham Leach Blily Act 15 U.S. Codes section 6801and 6802. 

On XX/XX/XXXX, CHEXSYSTEMS agent XXXX XXXX received via certified mail number XXXX XXXX XXXX XXXX XXXX my FTC identity theft report, notarized FTC identity theft affidavit and proof ID. CHEXSYSTEMS has removed the fraudulent inaccurate addresses and email address on my consumer report but has failed to comply with the Fair Credit Reporting Act and remove the fraudulent in accurate account from XXXX XXXX  from my consumer report. If this fraudulent an accurate account is not removed from my consumer report within four days as required by the FCRA, I will file a lawsuit for damages for civil liability for willful noncompliance. pursuant to 15 U.S.C 1681n.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Indeed, no more than an affidavit is necessary to make the prima facie case. United States v. Kis, 658 F.2nd, 526, 536 ( 7th Cir. 1981 ) ; Cert Denied, 50 U.S. L.W. 2169 ; S. CtXXXX XX/XX/XXXX I have already filed a complaint with the XXXX XXXX XXXX  regarding this matter under case number XXXX.
Consumer complaint received 2020-07-17
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. (NY)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (VA)

Advance Financial 24/7 is a predatory lending company. My loan has a 360 % interest rate. In the beginning, your payments go towards the principal but after a few months, I noticed the balance never went down. I called to find out my payoff after I realized the balance hadnt gone down in about 5 months. I was told {$800.00}. I said I would call back in 2 weeks to pay it off and when I did, the amount changed to {$15000.00}. At the end, my original loan was XXXX. I ended up paying a total of {$4400.00}. This company is a scam. No one should be allowed to charge almost 4 times the original balance.
Consumer complaint received 2021-03-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TN)

Comenity/XXXX XXXX has placed some inaccuracies on my credit profile. They have placed a {$45.00} increase on my balance when I have not used the card in over a year and they have placed a recent late payment when I have not been late. I've spoke to 3 different reps and I've heard 3 different things.
Consumer complaint received 2020-07-17
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2018-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I didn't know when I received an account from capital one, XXXX XXXX, XXXX XXXX, or any top companies. I was in high school and didn't have access to my personal information because my mother had my information. She played like she was me and put things in my name. I started getting threatening phone calls and letter from the company that said I owe them but how do I owe y'all when I hax no prior knowledge of anything?
Consumer complaint received 2020-07-17
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi bank closed my credit card without asking me on XX/XX/2020. 

And I haven't gotten any message from them until I submit a complaint on CFPB before, the previous 's case id number is XXXX. 

One of their agents called me, and we have discussed the situation, she was pretty sure even though my account got closed by the bank, and even if reopening is failed, they will still redeem my points for my statement credit. 

But until I called them on XX/XX/2020. Their supervisor from Citi ThankYou Points Center told me, I lost all of my points, but this is really ridiculous.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX not mine Additionally, Experian has systematically and maliciously changed items on my credit report to lower my score. 

XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number.  Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My BOA ( Bank of America ) accounts were closed recently. External transfers were not cancelled as per my request made to an XXXX XXXX, there is a transfer initiated on BOA end which is recurring in the amount of {$20.00} and has not been cancelled. Due to account closer, I am unable to log in and cancel on my end.. I have copied the email from BOA showing this recurring transfer, which needs to be cancelled out so it does not pull from my XXXX account.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have a ticket XXXX stating it was in Arizona, XXXX XXXX. I have never been to Arizona. My license was stolen and I never was issued a XXXX  at any time.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

My original complaint about this agency ( # XXXX ) was closed. Since then, the agency provided me with information as to how they arrived at their decision to continue to list the item in my credit file, a bankruptcy. I have provided this information to validate that the agency LIED as to how they received information regarding the bankruptcy item in my file. A letter from the Court specifically states they do not " perform '' such activities to Credit Bureaus. Giving false/inaccurate information in my credit file is a violation of the FCRA.
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (VA)

On XX/XX/2018, Citibank, NA sent me a letter declining my application with no other explanation than " because we couldn't verify the accuracy of some of the information you provided. '' The letter lists a phone number, XXXX, which upon being called, played a recording instructing me to refer to the information in the letter, with no possibility of speaking to a representative. 

As part of the application process, Citibank, NA went so far as to demand a photocopy of my Social Security card, which I provided. 

Citibank, NA is neither clear nor helpful in explaining their decision. Further, I believe the information I provided in the application XXXX is accurate, and that I am creditworthy.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC (VA)

Hello, I pay my mortgage on time and I am current on both of my loans. Citadel Servicing Corporation continues to not process my on time payments and has marked both of my loans Inactive. They also continue to send me Notice of Foreclosure every month on both mortgages. I have been fighting with them and they will not resolve the matter. They have been doing this to me since XX/XX/XXXX and until this day XX/XX/XXXX. 
XXXX # XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22 we mailed 5 checks, all written on our Wells Fargo accounts, to pay various bills. On XX/XX/22 all 5 checks were cashed by someone other than the payees. On XX/XX/22 and XX/XX/22, when we realized the payees had not received the checks, we filed three claims with Wells Fargo. 

Two checks ( made out to XXXX Bank for {$2800.00} and XXXX XXXX XXXX XXXX for {$2200.00} ) were clearly endorsed by " XXXX XXXX '' ( see attachments ) and cashed at XXXX Bank. XXXX checks ( made out to XXXX for {$510.00} and XXXX XXXX XXXX XXXX for {$500.00} ) appear to have no endorsement at all ( see attachments -- backs are blank ) and were cashed at XXXX  XXXX XXXX. XXXX check ( made out to XXXX XXXX  for {$1100.00} ) was clearly endorsed by " XXXX XXXX '' ( see attached ) and cashed at XXXX  XXXX XXXX. 

Since these claims were filed over two months ago, we have had contacted Wells Fargo numerous times. Wells Fargo insets that they are under no obligation to credit us any of these funds. We have never been able to speak with their investigators, as they are a " back end team '' ( to quote Wells Fargo customer service ). Our complaint was escalated to the Executive Office but it doesn't seem to be bringing us any closer to a resolution. During our many phone calls with Wells Fargo we have been told variously that : the claims were closed ; that perhaps XXXX XXXX is in fact authorized to cash checks for XXXX Bank ( headquartered in Delaware ) AND XXXX XXXX XXXX XXXX ( our local club in XXXX  ) ; and that there was no record of our claims numbers at all. Wells Fargo has refused to give us provisional credits ( though they did, in fact, give us a provisional credit for the {$1100.00} check only ; when asked why only that one, the executive case manager could not answer ). The only reason we know where the checks were cashed is because of the diligent work of an XXXX investigative reporter. 

We've always been told not to mail cash -- but we may as well have, as we would have had the same luck trying to recover our money. Why bother making anyone endorse checks at all? Apparently it means nothing. Why is it that with credit card fraud, the consumer can usually recover their funds, but with check fraud, there is apparently no recourse at all? 

We are losing hope that despite this obvious case of fraud, we will never be able to recover our {$7200.00}.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

To Whom it May Concern, I have been an American Express Centurion Card holder for over 35 years, since XXXX, and have never missed a payment, and have never been late. I have accumulated XXXX XXXX points over several years, on Monday XX/XX/XXXX, I was trying to buy a coffee at XXXX XXXX and my card was denied. I immediately called American Express, and they said that my payment was late. Not only was it not late, it wasn't true. The payment is due on XX/XX/XXXX. Also on Monday XX/XX/XXXX, my Account Manager, proceeded use approximately XXXX of my XXXX XXXX to book a flight for my son & I to XXXX, for him to goto college. The flight was booked for my son & I, locator # issued. The following day my itinerary was revoked by American Express, and to make matters worse, the flight was then sold out. American Express was notified, and again, they said due to non payment, that I was not allowed to use my XXXX XXXX points that I accumulated over the last several years. I was told by American Express to talk to underwriting, on XX/XX/XXXX, and after 1 hour 40 mins on the phone, underwriting stated that they had put a limit of {$59000.00} on my American Express XXXX card. To my amazement, I have {$85000.00} on it as of today, and the payment is still not due. After talking to underwriting ( XXXX ) I was told that they were asking for additional information on my account. I told XXXX that every year for the past 10 years, we have sent my personal tax return to American Express XXXX, and nothing has changed with my finances in that time. XXXX, demanded information that not only I don't have, and never have had, in the 35+ years that I have been with American Express XXXX For American Express to arbitrarily without any type of notification or reason to freeze my card from working, even though I have a {$100000.00} limit, and have for several years. Enclosed is my XXXX card bill which shows balance of {$45000.00} with a preset spending limit of {$100000.00} and payment due XX/XX/XXXX ( see enclosed XXXX XXXX statement ). American Express unlawfully and illegally has withheld my XXXX XXXX points, that I've earned over several years, and is holding them hostage, even  though there's no bill due till XX/XX/XXXX & has no answer to why & how.
Consumer complaint received 2021-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

On XX/XX/XXXX my mortgage was transferred to Loancare. I have a few hours of video Navigating the website to backup every single statement regarding this companies business practices. 1 star reviews are consistent with these same issues as well, these are not isolated incidences. Loancare has a few ways to log into your account. One is an ( which doesn't work ) and the other is online. I generally pay my bills online and this includes my mortgage ( Loancare charges {$10.00} for online payments ). More often than not I can not log into my Loancare account. Though I have a XXXX computer and my passwords are all saved and enabled by a fingerprint, Loancares ' website rarely lets me gain access to my site. Seemingly every single month I spend 2-3 hours trying to contact someone at Loancare ( through a looping phone system that intentionally loops the user through a series of misdirected prompts ). If I am lucky enough to get through to a live voice they offer incorrect assistance in logging in or reseting passwords and will not stay online while you go through the unsuccessful process of trying to get into your account. This happens months and it is clearly intentional. I have sent Checks to avoid the monthly frustration of using their ever changing site, but Payments are mysteriously received and processed late. Loancare then applies a late payment fee to the account. The last straw was this morning. I have an appointment with my accountant to file my XXXX taxes. I spend two hour trying to log into my Loan care account to gather statements pertaining to property taxes. The website allows you to enter the User Name and Password and then thinks and comes back to the login page. I reset and verified my user name and password through the automated system. If the password is incorrect the system issues a warning that your attempt failed due to entering the wrong password and prompts a message that you have a failed attempt and that 2 more unsuccessful attempts will lock you out of your account ... Entering the correct password just continues to reset the page. There is no way to access my account information, make online payments or contact anyone in regards to the ongoing issue. It is a stressor every single month and this isn't opinion. My Loan originator let me know that the company is extremely difficult, unethical and intentional in their methods. This needs to cease. It is bordering on harassment. I just want to have access to my mortgage info, tax info and be able to pay my monthly payment without jumping through 2-3 hours of hoops every single month. I believe that Certified mail is the only way to pay this company without aggravation. What about my tax info? I have not figured that out. Please help the thousands of us who deal with these unethical business practices every single month. No one deserves the absolute XXXX that this company causes in peoples lives. Loancare is an unethical company whose business practices are shady at best.
Consumer complaint received 2021-11-05
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. (SC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-07-17
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. (PA)

XXXX XXXX is reporting and inaccurate balance to transunion and the the bureau refuses to validate the correct information. There are 5 accounts with the same account number yet they are saying I owe them which I paid them off. I requested a detailed account history which has yet to be provided. Any incorrect information should be validated or removed! 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.