davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

Frauding scams using XXXX XXXX in Florida Frauding scams frauding XXXX county Indiana of XXXX XXXX XXXX death record Frauding XXXX county Indiana birth certificate of serial numbered documents of XXXX XXXX mom Frauding scams using XXXX XXXX of XXXX county Indiana pension files in Florida State It scam scams using my national security clearance data Frauding scams using insurance companys Frauding scams XXXX XXXX as a XXXX man Frauding my FBI registrations and social Security date
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I recently opened a Credit card account with Capital one, they have a XXXX XXXX program on their website. I noticed that the amount of loans or debt i have in the XXXX XXXX was completely wrong. I currently only have XXXX in student loan debt it is showing XXXX? This is totally wrongId love to fix that if possible.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NH)

I received an email from Chime ( XXXX XXXX XXXX ) stating that my account was to close on the same day as the letter. Within minutes i was locked out of the banks app while trying to transfer my balances. No reason was given for the account closure. When trying to contact the bank via telephone, the automatic system recognized my phone number and instructed me to reach out through email to their support department, and disconnected the call. Upon emailing them, I received a generic generated response from a supposed 24/7 live support center. I tried using my card to make a payment, also tried using just my account and routing numbers from chime, and everything is declined. They are holding my money ( almost {$6000.00}!!! ), and none of the correspondences stated how they planned to return it to me, only that i should cancel any future deposits to avoid delays in receiving the deposited funds. I had a SECURED credit account with them, containing {$420.00} ; and a checking account containing {$5300.00} at the time they closed it. This contained monies is my rent, gas money for work, food money, and payback money to the Small Business Association for a PPP loan! Please help me! My rent is due on the first, amongst other interest-accruing accounts which will now be late, and for no reason at all!
Consumer complaint received 2017-04-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CA)

I was promise by United Wholesale Mortg age ( UWM ), a Lender Credit of  {$2300.00} at 4.25 %. The final interest rate remain at 4.25 % but lender did not give the credi  t. Said that Broker did not locked the rate and cost change taking away the credit and charge on top {$1100.00} as Origination Charges.
First Estimate    XXXX   XXXX ,  2017 , shows rate unlocked,  XXXX   XXXX ,  2017   Estimate  shows rate locke  d, but Lender Credit taking away.
Second issued is that I was Double Dip on FHA UFMIP, paid in front and amount also added to/on principal loan.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

In XXXX 2015 I reported to the credit bureaus ( Equifax and XXXX ) that I did not authorize XXXX., to run my credit with any banking institution for credit on a new vehicle. I gave XXXX permission to run my credit and I told them if their financial institution could not finance me then I do n't want the vehicle. I was informed by my sales Representative XXXX XXXX XXXX XXXX, XXXX that my credit would not be sent to other financial institutions. But I found out later that was a lie, when I pulled my credit report it had XXXX inquiries ( XXXX Bank and XXXX ) I did not give permission to run my credit. I wrote XXXX and they did not respond to my request for them to contact the financial institutions and have them to remove those inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I am attaching a copy of a signed receipt from XXXX where they did receive my letter to have these banking institutions to remove these inquiries.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I tried to retrieve my free annual credit report, however, after answering the prove your identity questions incorrectly ( all questions ) they refused to allow me access to the report. Also, that the questions asked were all pertaining to a credit loan and a a mortgage lender and an a person who I never heard of let alone reside at the address ever to my knowledge which is making me nervous.
Consumer complaint received 2016-02-25
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (CA)

OneTrust Home Loans is actually the fictitious business name of Calcon Mutual Mortgage, LLC, a XXXX LLC headed by CEO XXXX XXXX ( XXXX ) and his brother XXXX. On XXXX/XXXX/2016 I recieved a solicitation telemarketing call from one of the employees, XXXX XXXX from his personal cell phone at XXXX. I asked XXXX how he obtained my personal cell phone number. He stated that he got it off of one of the tax returns of his mortgage loan client. I was shocked. I said " seriously you got ta be kidding ''!!! He actually pilferred confidential information off of a clients tax return. XXXX!!! 

If you use these wierdos your privacy is gone forever. To steal information off of a clients tax return and use it for telemarketing is beyond bizarre, it is likely criminal. 

Now for the wind up ... my cell phone is on the do not call list. I am registered. These OneTrust guys can not be trusted with your information and they do not follow the laws. It is in fact a crime to violated 47 USC section 227. The crime is listed under 47 USC 501. It is also a crime to violate XXXX Business and Professions code 17200. 

I filed a complaint with the Department of Business Oversight. I doubt the government will do anything to stops these mental nutcases. But you can do one better, do n't use them tell your friends to not use them either. Protect your privacy and get rid of scum telemarketers, use a different mortgage lender to get your loan. 

If you want to tell XXXX what you think of his racketeering enterprise, then email him at XXXXXXXXXXXX. But be prepared to be chewed-out like he did to me. 

The headquarters is at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-04-05
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXXXXXX 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
Consumer complaint received 2022-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WI)

I have XXXX  accounts at Citibank. XXXX credit cards and a money market. Last week I attempted to access my accounts and they required me to activate a atm/debit card that I never received nor want. I've been accessing online for two years without any problems nor this as a requirement. When I access now, they only show one of my credit card accounts so I have no access or info on the other two. I've contacted them several times and said that to obtain access and info to those accounts and need to activate a atm/debit card. This has not been the case for the past two years nor part of any agreement.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (OH)

In XXXX XXXX I became ill, and by XXXX XXXX I was no longer able to make mortgage payments. Seterus became the new servicer effective XXXX XXXX. I requested a forbearance in XXXX XXXX and XXXX XXXX, I was never reviewed for the forbearance. Last week Seterus filed for foreclosure.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I previously filed a complaint under " bank issues '' but since it 's a Credit Union apparently it does n't fall under that scope. The NCUA was notified but they have n't done anything. Since XXXX XXXX XXXX XXXX is now harming my credit with their incorrect reporting, I figure it 's best to file a complaint under Credit Reporting. Hopefully this works. 
I decided to switch banks from XXXX XXXX XXXX XXXX ( XXXX ) after getting married and open an account with my husband elsewhere. I did the responsible thing and took several months before actually closing the account, to make sure all pending transactions and automated withdrawals were completed. At some point I received a letter from XXXX stating that the account was negative. I sent a check immediately, along with a signed letter requesting that the account be closed. 

They cashed the check and I assumed the account had been closed. I did some research last month and found a copy of the check dated XX/XX/2014. It 's enclosed as an attached document. 

Following my request for it to be closed, I did not receive any statements or anything from XXXX, so I never thought anything of this, until earlier this year. 

For some reason, I received a letter from a collection agency claiming that I owed XXXX {$48.00}. I sent a response asking how this could be accurate, given that the account was closed years ago. They sent over information stating that a XXXX transaction attempted to go through, and thus the {$48.00} was overdraft fees ( although the transaction was declined ). Of course, had the account been closed like it was supposed to be, there would be no issue here. Apparently it never was closed, despite my written request. 

Fast forward to a few weeks ago when I noticed a negative item on my credit report in the amount of {$90.00} ( magically increased from {$48.00}, apparently ) from XXXX. 

Had they closed the account like they were supposed to, none of this would have happened. It 's not my debt. It 's their error. It needs to be removed from my credit report as this is having a substantial impact on my credit report. 

Any assistance you can provide would be greatly appreciated. Thank you!
Consumer complaint received 2022-02-07
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. (WA)

To Whom It May Concern : I recently received a copy of my consumer report and noticed the following accounts reporting balances and utilization inaccurately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish utilization on my consumer report? 

Did I give you written instructions to furnish a balance on my consumer report? 

you have 10 calendar days to Update all balances to Zero on all below accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (LA)

I tried to get my free credit report online and I had to answer questions that was supposed to be in my file and only i should know the answer well i could n't answer the questions because it asked me about a mortgage loan and payment I 've never had a mortgage loan and payment it also asked me about a jewelry card I have a card but not from the choices they gave me so they said that there 's a security issues
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

There is a XXXX address connected to my credit report. I have never lived in XXXX. The address listed belonged to my ex wife who moved there well after we were divorced. She has also moved from that address. I do n't want any address that I have never lived at or been associated with to appear on my credit report. 
I live at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and have for 50 years. I have never lived or been to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Thank you, XXXX XXXX
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (SC)

Suntrust bank froze my account for fraud and closed it some days later, the reason was that i received a grant for my business deposited n my account I have supplied the bank, with my Ein #, business licenses from three, both award emails from the SBA stating the amounts that was being deposited, letter for the FOIA legal department with SBA giving information about me and the grant, tracking number for the grant, SS card, driver license. Even after presenting my documents they still closed my account and accused me of fraud, and froze the account and holding my funds indefinite. No one from the local branch would help me, wouldn't allow me to speak with the vice president to present my documents to. I feel that I am being profile in some way, I have tired multiple time to clean this issue resolved but Suntrust haven/t giving me any option. I filed complaints but the people I tired filing complaints on was the one filing the complaint. I have received nothing but XXXX, XXXX, and XXXX from trying the resolve this issue. I have not committed any form of fraud.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to bring to your immediate attention a grave matter concerning my credit reports, which has resulted in severe inconvenience and distress. Recently, I received two credit reports in the mail that do not pertain to me but share my name. Upon scrutiny, I discovered that my credit profile has been erroneously merged and intermingled with those of two other individuals who share my name but possess different social security numbers. Despite my earnest attempts to rectify this situation, XXXX, TransUnion, and XXXX have all refused to address the matter, leaving me in a vulnerable position. I have reached out to each of these credit bureaus through multiple channels, including the CFPB portal, phone calls, and traditional mail. Additionally, I have diligently uploaded copies of my driver 's license and social security number numerous times to substantiate my identity and plead for the correction of this egregious error. The social security numbers erroneously linked to my profile are ( see attachment ) and ( see attachment ). Despite providing comprehensive documentation and evidence, the credit bureaus have repeatedly requested the same information and have shown an unwillingness to resolve this matter. I am hereby formally requesting the immediate deletion of the mixed files associated with the following creditors and debt collectors : XXXXXXXX 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 XXXXXXXX XXXX XXXX Furthermore, I demand a cease and desist from all creditors and debt collectors linked to these erroneous accounts. It is abundantly clear that the information in question was not properly verified by the collection agencies, creditors, or credit bureaus, leading to a blatant violation of my rights and privacy. I am profoundly disappointed by the credit bureaus ' refusal to address this matter in a timely and effective manner. While I strongly prefer to resolve this issue expeditiously and amicably without resorting to legal action, I am prepared to pursue further measures to ensure the accuracy of my credit reports and safeguard my rights as a consumer. I implore the Consumer Financial Protection Bureau to intervene and compel XXXX, TransUnion, and XXXX to take immediate action to rectify this error and ensure the accuracy of my credit reports. Furthermore, I emphasize that I, myself, am writing this letter, and I do not have any credit bureau or third-party agency representing me. I request that a human agent verify this information and explicitly state that I do not consent to any third-party entities, such as XXXX or XXXX, involving themselves in this matter, as they are not deemed reliable sources by me. Thank you for your urgent attention to this matter. I anticipate your swift and decisive action in resolving this distressing situation.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

On XX/XX/2020 ANFI sent me a letter stipulating that I owed money for a debt they are trying to collect. They identified the debt as liability for a claim of {$5000.00} owed to XXXX XXXX XXXX XXXX regarding a loss that occurred on XX/XX/2020. No such liability exists to the best of my knowledge. I have had no accidents, nor any claims made against me or my insurance company during the time period described. My name is misspelled in their letter, further eroding the credibility of their request. I am concerned that even though the claim appears to be false, they will negatively impact my credit rating or bring further collection actions against me.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. As the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently.
Consumer complaint received 2015-03-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK (VA)

I spoke to Gatewayone lending on XXXX to remove the recurring payment from my loan since I had setup billpay with my bank. Gatewayone lending assured me several times on the phone I was not automatic payment from my checking. I mentioned the website said the word " recurring '', the person on the phone said that they do not even have my checking account information on file. 

On XXXX I noticed that my checking account was lower then usual. So I did some digging and found out that on XXXX and XXXX Gatewayone had stolen amounts equal to my auto loan payment from my checking account. I called Gatewayone lending and asked about my recurring payment, they told me again I do not have XXXX and that they see in their system that I called in XX/XX/XXXX. Their system had notes about me wanting to cancel my recurring payment, and their notes said I did not have recurring payment setup. I informed the agent on the phone that I would like to know why my checking account shows they have been taking money from me then. They put me on a hold and came back saying they were sorry and would like proof they took my money. I told them I want the money back in my account in the same time frame it took them to steal it from me ( payment was due on the XXXX, they had the money out of my account by the XXXX, so XXXX days ). They told me that was not possible and that they require I provide a copy of my bank statement to prove they stole from me ( even though the person on the phone admitted that they see the amounts posted on my loan ). I informed the representive that I have been recording them ( they have an automatic message that says I may be recorded, so turn about is fair play ), they were fine with the recording. 

I contacted my bank to put a stop payment on all the fraud done by Gatewayone lending.