davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by JEFFCAPSYS Upon reviewing my credit report, I discovered that JEFFCAPSYS has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to JEFFCAPSYS or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation.

Furthermore, it has come to my attention that JEFFCAPSYS is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction.

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires.

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (MI)

on XX/XX/2021, i asked chime bank to cancel two transactions because i never got the products, also i found out the companies were scams. chime bank gave me the money back, then about two days ago i received an e-mail stating that i received the products and then they took money out of my XXXX money, I never received the products, I then contacted XXXX, to check on the tracking no. They told me that this was the wrong tracking no. and no products were ever delivered to me. They also said to contact Chime Bank and have them call them XXXX XXXX XXXX and they would show them that it was the wrong tracking no. I tried to call chime bank and all i got was a busy signal and problems with their automotive service. I tried to e-mail them they wouldn't answer, INSTEAD THEY TOOK {$150.00} FROM ME WHICH THEY HAD NO RIGHT TO.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

A debt collection company called Resurgent Capital services continues to report negatively to the credit bureau on an account that is not mine. I have sent letters, called and tried to work with this company. They are saying I owe XXXX from 2016. I continue to request from them proof or signature or application or something from this account and they refuse to provide.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

I sent a letter on XX/XX/XXXX asking XXXX XXXX XXXX to verify 2 items they are currently reporting on my credit report. One acct # XXXX for {$320.00}. Another acct # XXXX for {$480.00}. I only got an update to my report saying these items are verified. I have not received anything verifying this items.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We state for the record to XXXX, Transunion, & XXXX of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval. 

XXXX XXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-06-13
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC. (TX)

I appied for a {$1000.00} loan and was initially approved by XXXX XXXX. Then, at the last minute, the loan request was denied because of some policy of the XXXX concerning my academic status in the school. My contention is that the claim that my academic status is bad is fraudulent and caused by mismanagement on the part of the school teachers.
Consumer complaint received 2018-06-13
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: AMERICAN EXPRESS COMPANY (FL)

American Express keeps reporting a " hard '' credit inquiry on my XXXX  credit bureau report. 

This inquiry is from XX/XX/XXXX and is too old to be listed on my credit files at XXXX.

It is definitely hurting my credit score and ability to obtain a loan.
Consumer complaint received 2018-06-13
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: Experian Information Solutions Inc. (FL)

XXXX keeps reporting an old credit inquiry on my credit bureau reports from the 4 major credit bureaus. This inquiry is fromXX/XX/XXXX.

This inquiry should be deleted from my credit files at the 4 bureaus, because it is so old. 

My credit score has gone down because of this outdated inquiry.
Consumer complaint received 2015-07-13
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I applied for a mortgage loan to purchase a home. I got an approval from the lender subject to proving a home that I put in a bankruptcy 4 years ago has been removed from my name. Currently it still shows in title I am the owner. My lender XXXX told me I had to have the old home out of my name to get an FHA loan regardless if I put it in my chapter XXXX. I called Bank of America direct. They are the lender that had my loan on the home in my chapter XXXX. They told me that there records show the chapter XXXX and that I do n't owe anything on the home but it is still in my name. I asked them why they have not started the foreclosure since its been 4 years. They had no answer. I asked them if I could just sign a deed over to them and give them the house back. They said no. I asked them how to remove the home from my name and they told me I would have to sell it or wait for the foreclosure to be completed. I had my lender search records to see if Bank of American has done anything in the last 4 years. Title records show that Bank of America has done nothing to start the foreclosure process. My new lender said they can not give me a mortgage to purchase my new home because HUD requires my name off the old home. Due to Bank of America doing nothing, I am unable to purchase a new home for me and my family. I have done everything right by getting new credit, paying my bills, good credit scores and saving money. Now my lender, HUD and Bank of America can not come up with a solution to help me. How long can Bank of America tie up my name and ability to buy? Is there a way for HUD to see the problem is not mine and allow my new purchase?
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I was a victim of identity theft when my home was burglarized in XX/XX/2015 ( XXXX XXXX XXXX report attached ). All my valuables were stolen including a car and a safe box which holds my social security card, passport booklet and passport card. 

I am receiving calls from Midland credit company for a debt that was not mine from XXXX XXXX ( identity theft account ).
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

ChexSystems is reporting delinquent information attached to my SSN and when I filed bankruptcy, all of the information was to be removed and zeroed out. I do not owe any banks or financial institutions. I have tried numerous times to work with ChexSystems, but the inaccurate information continues to be on my file.
Consumer complaint received 2020-07-10
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. (OK)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$440.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3600.00} XXXX XXXX {$2200.00} XXXX {$650.00}
Consumer complaint received 2020-07-14
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. (VA)

information showing to me as inaccurate or not mine to the best of my knowledge filed FTC claim XXXX/XXXX  XXXX XXXX XXXX  XXXX  XXXX  ( missed this on the ftc please add it ) XXXX XXXX
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Hello, I have detected one incorrect record on my credit report from XX/XX/2016 for a " hard inquiry. '' The hard inquires have been performed by : Citizens Bank.

I have never authorized nor I recall authorizing a credit card or any form of credit request from Citizens Bank during these dates.

Thank you for your time.
Consumer complaint received 2021-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EQUIFAX, INC. (FL)

Please see all attachments listed from : AAA1, B2, C3 E5, F6 Concerning XXXX XXXX, on XXXX/XXXX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX XXXX ... 
See attachment : A1 - page 4 - 8
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

I have been getting so many email alerts from the Experian credit company that I tried logging into my account on XXXX at about XXXX. When I did, the website showed me an incredibly long document that represented their new and improved contract for using their site. In it, it said if I would not comply with its terms, to call XXXX. That number goes to an automated system with very few options and none lead to a customer service representative. I tried every option, so I know. The one option for cancelling the service simply dumps me back into the beginning where it asks for my ss # and address. It happens every time -- I tried three times. There is no way to cancel my account, or to stop them from harassing me with emails. Can you please help!?
Consumer complaint received 2020-07-14
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: Avant Credit Corporation (FL)

I have requested several times from Avant Corp to remove the late payments that they are reporting on my 3 credit reports or provide me with a detailed account of where I had paid late. To date they have refused to do either. My requests for account validation are responded to with an email telling me that I need to provide them with a copy of my credit reports and other documentation for them to move forward. Per the FCRA I should not have to provide them anything, they need to provide me proof that they are reporting accurately. I have not paid this account late and want this removed from my reports.
Consumer complaint received 2020-08-19
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. (NY)

I check my credit report and notice some things that shows inaccurate information. These accounts are stopping me from getting a loan approval. The account listed below should be deleted on my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Would appreciate you helping me here. Thank you. 



DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX XXXXXXXX
Consumer complaint received 2018-06-13
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: Consolidated Information Services Solutions, LLC (FL)

After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX XXXX on XX/XX/XXXX and XX/XX/2017. I attempted to reach creditor and was unable to.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

ERC tried to collect on a XXXX XXXX bill that the credit reporting agencies contacted me about. The credit reporting agencies informed me that I was a victim of identity theft and deleted the account from my credit report. ERC then tried to report it. I disputed it and their solution was to sell the debt to XXXX XXXX, who just sent me a bill. ERC knew that there was no debt and they sold it to another company to continue their harassment.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NC)

In accordance with the Fair Credit reporting act the following creditors violated my rights under the XXXX XXXX XXXX section XXXX o XXXX states " I have a right to privacy ( XXXX XXXX XXXX section XXXX states a consumer can not furnish an account without my written instructions under XXXX XXXX XXXX, my Discover account, Bank XXXX XXXX, XXXX XXXX, and XXXX XXXX. Looking to have it reflect correctly on my XXXX, XXXX and XXXX account. 

Under the FDCPA, a debt collector XXXX not call any person repeatedly or continuously with the intent to annoy, abuse, or harass them. I received multiple calls from Discover demanding payment from a debt that is now in a charge off state, I need the following accounts removed from my credit asap, because I have every right to fair treatment.
Consumer complaint received 2021-02-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

My XX/XX/2019 mortgage was sold to Mr Cooper. 
A year later they offered a lower interest rate and lower monthky payment.Not only did my monthly paymeny go up.Now they say my eskrow is XXXX in debt.Thus raising my payment even higher.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

So I went to TD Bank drive thru atm at XXXX XXXX XXXX XXXX, XXXX, PA on XX/XX/2024 to deposit {$2900.00} in small bills. Because the atm only takes XXXX bills at the time I split it into XXXX. The first deposit went through and its {$1400.00}. The second one I put {$1500.00}. The atm machine kept counting about XXXX times and then the atm went down. I tried to canceled it to get my money back but the atm wont give it back. And instead asked me to write down the amount and I write down {$1500.00}. Couple days later I check on it and it showed me a correction amount for - {$1000.00}. Which means they took my money out for {$1000.00} on the next day on XX/XX/2024. I tried to disputed it twice by customer service but for twice TD Bank sent me a letter saying there is no errors. I was so confused because my money is {$1500.00} not {$410.00} and the atm went down right in front of my face and being forced deposit because XXXX cant cancelled it. I have my mom with me as an evidence. And the money is {$1500.00} for my second deposit. Please help me! Thank you so much!
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

I recently received my CitiBank response from an Executive Response agent who unknowingly proved CitiBank ( Sears ) company has been inaccurately reporting my payment history to all three Credit Bureaus. I will start out by indicating the companies response was detailed, professional but did not resolve the issue. I recently received my response, from the Executive response agent ( not named ). The agent clearly states my payment was not received by the due date on XX/XX/2016 ( specifically XX/XX/XXXX per the attached Bill ). In the next sentence she then immediately acknowledges a payment in full was received by Citibank from me on XX/XX/XXXX. Clearly, if a payment was received 17 days past the due date ( by Citibanks own  admission in their response ), by definition this cant be considered a 30 day late payment. Yet, for the last 2 years Citibank has been reporting that I was 30 days late in XX/XX/2016 to all 3 credit bureaus. This is clearly a mistake by Citibank, reporting a 30 day late payment for XX/XX/2016 when I was only 17 days late by there own admission. The executive went on to indicated that " The account information and payment history in your credit profile are correct and will not be changed '' ( see attached doc w/ highlighted response ). The payment history, in fact is NOT being reported correctly. I request Citbank make things right by not only removing the 30 day late notice for XX/XX/2016 but also making no further adjustments to my account or payment history. Once again by Citibank 's own records and response, I wasNOT 30 days late in XX/XX/2016 and therefore they are indeed reporting inaccurate information. All three credit bureaus show a 30 day late payment for XX/XX/2016. Citibank/Sears is in clear violation and have failed to prove that I was 30 days late in XX/XX/2016 and must update their reporting to the Credit Bureau 's. 
This is my second complaint. I am highly disappointed in how Citibank/Sears has handled this situation and their unwillingness to make the situation right even for a consumer that has multiple Citbank cards. As a result Citbank and Sears will likely loose me as a customer.
Consumer complaint received 2018-06-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (CO)

PAID OLD LOANS IN FULL, BUT THEY ARE STILL REPORTING NEGATIVE DESPITE BEING OVER 10+ YEARS OLD. HAVE FILED DISPUTE WITH CREDIT BUREAUS BUT WITH NO SUCCESS.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

What about the wrong doing of Bank of America and what they did to this senior even having XXXX dollars title insurance policy. What they did was totally illegal and very wrong!!! AS far as we know they never owned the land that they gave me a mortgage on with me paying XXXX down and paying XXXX a month for 6years is there not anyone that can do the wrong that they have done to me!!
Consumer complaint received 2016-05-12
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America assigned me, yet another representative regarding an ongoing problem. The new one now is XXXX XXXX. XXXX XXXX left a message on XX/XX/XXXX. He did not leave a extension number. I tried to call anyway on XX/XX/XXXX at XXXX, and could not get to him. 

Bank of America has mishandled my loan process, taking over 15 months to complete the first step, and this process is now going on XXXX years with no help. 

They only offer a solution of restarting a possible 15 month first step process again. 

Below is original complaint ; 1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of XX/XX/XXXX. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least 3 occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process. 
20 XXXX. Bank of Americas only solution to rectify this problem is to have me restart the entire process.