davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
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: Marlette Funding, LLC (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BEST EGG Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been disputing this account with XXXX XXXX to update the payment history on this account since XX/XX/XXXX. They have come back each time stating that the account is " certified as accurate ''. The payment history is still reporting incorrectly. This account can not report 31 charge offs for 3 years from XXXX up until XXXX of XXXX. The payment history from XXXX has been eradicated and doesnt report at all. The date of charge off states XX/XX/XXXX when they charged the account off in XX/XX/XXXX. I have called and reached out to the company and was told that they dont handle XXXX accounts and that these accounts were given to capital one. Another rep from capital one told me that the account was sold to another company called enhanced recovery company. 1-how can XXXX  verify the account as accurate if the payment history is still the same and has not been corrected? 2- how can they verify an account is accurate but don't have any information about the account anymore? 3- how is the account verified as accurate if the charge off status still shows XX/XX/XXXX and not XX/XX/XXXX? This account payment history needs to be corrected or the account must be removed from my experian credit file. This is in violation of the fair credit reporting act.
Consumer complaint received 2020-11-17
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. (TX)

ALL 3 CRA REPORTING OUTDATED ACCOUNTS SINCE XXXX - XXXX ... NOT MINES/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I believe thats these companies are stealing my personal information and running my credit abusing my credit report by allowed others to lets random peoples to using others peoples information thats dont belong to them I am affected by this disaster I ask u to removed and disputed all this negative things off my report immediately theses inquiries and accounts they are not mines I have not give none of these accounts ppls my information they have no live camera videos of me or documents signed by me in the build so yes my information have been stolen I ask for you wipe these things off my report XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-21
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: TD BANK US HOLDING COMPANY (SC)

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries immediately.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

( 1 ) On XX/XX/21, I was charged a recurring fee of {$6.00} by XXXX, which overdrew my account by {$6.00}. This was paid by the bank. 

( 2 ) On XX/XX/21, US Bank charged me an OD fee of {$32.00}. 

( 3 ) On XX/XX/21, I deposited {$10.00} -- an amount which would have been sufficient to bring my account into positive status had the {$36.00} OD fee not been charged to my account. 

( 4 ) I opted out of Courtesy OD protection upon opening the account. I have always been in opt-out stauts.

( 5 ) On XX/XX/21, I spoke to XXXX at US Bank for a waiver of the {$36.00} OD fee. It was not approved. 

I am requesting that the {$36.00} OD fee be waived. {$36.00} is unconscionable for an overdraft of only {$6.00}. OD fees should be progressive and not result in a forfeiture.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I opened a WELLS FARGO checking and savings account and i got a notification that a inquiry was sent to view my credit report for both accounts. Which was unnecessary but fine. Than friday i received a notification that a credit card application inquiry had been made. So I go up to wells fargo and the account that pulls up with my social is in a different name and address according to the teller. I am referred to a banker. About 10 minutes later the banker comes to get me and notifies me that the information is incorrect. He corrects everything except my phone number. Which is the only way WELLS FARGO can verify me over the phone. He also stated that there is no credit card in my name. Which doesn't explain why there was a credit card inquiry ran against my credit. I ask for my account number and he says since I opened it online I have to wait for it in the mail. 

Wells Fargo is the only bank in the history of banks that I have used that does not allow you online access to your account immediately. 

Wells Fargo shows no effort to care about their customers identity. Despite them confirming the account had the wrong information on it with my social they can't help me access the account to verify myself. If my identity is stolen there is nothing Wells Fargo is willing to do to help me recover the account. 

This seems like a very shady business. I do not know how they stay in business.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (ME)

Citi Bank applied Payment Safeguard to my account with any permission to do so. I called about the fee once a couple years ago and was falsely told that it was a required fee as I had a balance. I recently called again after being informed that it is not required, the customer service representative cancelled Payment Safeguard, and informed me that if I did not sign up for Payment Safeguard I should be refunded for all of the charges. I never signed up for Payment Safeguard, and never would have if offered. 

A few weeks later Citi Bank sent me a letter telling me that I was not due a refund because it is an insurance policy and that you can't cancel it later if you don't need it. 

This has cost me thousands of dollars on an account I have been working to pay down. Almost 1/3 of my monthly payment was taken and put towards this service. I have paid my account every month without fail, and not even a single late payment. This service should never have been applied to my account.
Consumer complaint received 2021-10-12
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: TRUIST FINANCIAL CORPORATION (TX)

In XXXX of 2021 a credit card was fraudulently opened under my name by someone that I know. I was not aware of this till XX/XX/2021 when the credit card was maxed out and SunTrust ( now Truist ) called to tell me this. I immediately closed the account and asked to speak to fraud department. I filed a police report and sent all documents to the credit copy. I frozen all credit bureaus and sent all letters explaining what has happened. This investigation has been going on since XX/XX/2021 and there is still no resolution. I have to email them weekly to ask for update but they continue to tell me that " it is complicated because of some purchases '' During this time my credit has gone from XXXX to XXXX. I am unable to do any major transactions, or make any major purchases as my credit is still frozen and credit score is ruined. 

They have the suspects name, info, address, phone number and when i asked if they have even reached out to that person they stated that they called " once '' and there was no answer. 

I have made multiple attempts to reach out and ask for status even regarding a time frame that they think this will be resolved but they have yet to give me a reasonable answer. 

We are going on 4 months with essentially no resolution and no update. 

I have finally hired a legal team to pursue this manner and costs are being accumulated as we continue waiting
Consumer complaint received 2019-03-14
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. (IL)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Overpaid my credit card almost {$1000.00} on XX/XX/XXXX and called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and today XX/XX/XXXX. I immediately requested a refund when I realized I overpaid the amount from my BOA DEBIT CARD TO MY BOA CREDIT CARD. At first I was really understanding and I would have been if they didnt waste more of my time and kept lying to me saying I would get a refund in XXXX days and then a month and then two statement cycles and then XX/XX/XXXX. Im just over it. I told them I would get all my money and transfer to chase after they refund my money. The guy on the phone who I spoke with today couldnt even give me a date on when I would be getting my money refunded to my debit card
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I have been disputing this account with synchrony bank to update the payment history on this account since XX/XX/XXXX. They have come back each time stating that the account is " certified as accurate ''. The payment history is still reporting incorrectly. This account can not report 31 charge offs for 3 years from XXXX up until XX/XX/XXXX. The payment history from XXXX-XXXX has been eradicated and doesnt report at all. The date of charge off states XX/XX/XXXX when they charged the account off in XX/XX/XXXX. I have called and reached out to the company and was told that they dont handle XXXX accounts and that these accounts were given to XXXX XXXX. Another rep from XXXX XXXX told me that the account was sold to another company called enhanced recovery company. 1-how can synchrony verify the account as accurate if the payment history is still the same and has not been corrected? 2- how can they verify an account is accurate but don't have any information about the account anymore? 3- how is the account verified as accurate if the charge off status still shows XX/XX/XXXX and not XX/XX/XXXX? This account payment history needs to be corrected or the account must be removed from my XXXX credit file. This is in violation of the fair credit reporting act.
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

We applied for a loan with Penny Mac. After discussing with the loan officer the what the situation was he decided that we should get a certain type of loan. We paid a {$100.00} fee and provided all documentation. We began getting stuff in the mail that our credit has been run and also documentation from a company stating that they would be handling the closing etc. I was under the impression that we should be closing soon and I reached out to Penny Mac on XX/XX/XXXX knowing that we should be closing soon. I was told that someone would call me back. On XX/XX/XXXX I reached out again because I had not heard back and at this time I was told that the loan had been moved to an in active status and that someone would reach out to me. I had not heard back and reached out again on XX/XX/XXXX and requested a call and was told that the issue would be escalated since this was my third time asking for a callback. I received a call back from XXXX XXXX who said that she was a manager and that the company had failed to do their job and to inform us that we were not approved for a loan and that we had four days left on our locked in interest rate and that she would take the loan in front of the board on Monday the XXXX to see what they could do. I once again had not heard back so I reached out to XXXX yesterday and finally received a call back and was told that there was nothing that they could do and that we were not approved for the loan even though they had failed to inform us in the time period they are legally suppose to. We have now lost out on a locked in interest rate which was a lot lower than what I can get now and I am having to pay interest and try to find another company
Consumer complaint received 2019-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

As of XX/XX/2018 my mortgage payments were to be XXXX per recast on hemp program. Instead the are charging XXXX. 

I have spoken to ditch each month to correct this, to no aVail. 
They argue that I am wrong but eventually see the numbers. The next, month same happens. 
I have signed, the docs numerous times but they say there is a missing form. Which I never got
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2020-07-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (MO)

Called in the month of XXXX. I stated to him that I have paid this already. I asked him to please send me an email so I can send in a copy of the receipt showing the account has been paid in full.
Consumer complaint received 2020-06-03
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. (MI)

I AM A VICTIM OF IDENTITY THEFT. I CHECKED MY CREDIT EARLY XX/XX/XXXX AND I FOUND A LOT OF ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. AFTER THESE FINDINGS, I FILED A FTC IDENTITY REPORT AND FILED A POLICE REPORT WITH THE CITY OF XXXX ( REPORT # XXXX ). DUE TO COVID-19 I  WAS UNABLE TO PICK THE REPORT UP. I ALSO SENT IN LETTERS TO THE THREE MAIN CREDIT BUREAUS. XXXX AMD TRANSUNION STILL HAVE NOT RESPONDED TO MY REQUEST AND XXXX   RESPONDED BACK SAYING THAT THEY WERE DENYING MY PURSUIT OF SECTION 605B ( C ) OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XX/XX/XXXX {$580.00} 11 XXXX XX/XX/XXXX {$590.00} 12 XXXX XXXX XX/XX/XXXX {$500.00} 10 XXXX XXXX XX/XX/XXXX {$1600.00} 12 XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$480.00} XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX   XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$360.00} XXXX XX/XX/XXXX {$360.00}
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (VT)

My wife and I received a {$5500.00} credit limit on a store card from XXXX XXXX in XXXX XXXX, CT, managed by TD Bank. We made some initial purchases and had over {$2000.00} available credit remaining. We set up autopay immediately and had been making on time payments for months. One month we started a new joint bank account and I neglected to change the autopay information with the XXXX TD Bank card, so the payment was declined. I quickly resolved the issue once I noticed the problem. Literally every other payment thereafter was on time via autopay. However, Our entire remaining available balance was deleted due to the once single circumstantial late payment. 

I called TD Bank to see if they could help, but they were unwilling to reconsider. 

This seems to me a very unfair practice. I would understand if there had been multiple late payments, etc, but other than the one late payment due to a change in bank accounts, every other payment was on time and I assumed we were in good standing. 

I only found out the credit limit had been erased because we are moving and were ready to buy a new bedroom set. 

Is there anything CFPB can do to help?
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CARD Corporation (AZ)

Back in XX/XX/2020 XXXX XXXX  from XXXX offered free information to improve my son 's credit in order for my son to buy his house ( XXXX XXXX house ) he recommended to buy from card.com, he then asked for repairs to be done in his house repairs that we did with with the promise of free information but repairs costs were going to be reimbursed from XXXX XXXX, all the information from him was sent from his official car.com email and his cellphone, everything seemed legit until he sold the house to us and never paid the repair in specific one garage coating for {$1600.00} ( invoice attached ) ( emails from XXXX XXXX and text messages attached ). When XXXX XXXX was requested to pay he sent an email to someone else with card.com where he asked to block our email address to avoid the problem. ( email attached ).
Consumer complaint received 2021-04-12
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)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.