davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
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: EQUIFAX, INC. (AZ)

I applied for a XXXX XXXX Credit card a few weeks ago and I was not approved now today XX/XX/20 I received a letter in the mail stating the reason why I was not approved was because there are many accounts in negative standing appearing on my credit report. I looked through my credit report because I wasn't aware that there were negative accounts on my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way. I did not allow any of these accounts to be opened in my name nor did I gain anything from them being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2020-07-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (TX)

I had a VA mortgage loan with Veterans United Home Loans. The lender recently sold my mortgage loan to another company. I did NOT receive information of the sale of my loan until two days after the sale and transfer were finalized. I did NOT receive information regarding the sale 15 days or more, prior to the completion of the sale. I am also being charged an additional {$1300.00}, by the new lender, for late fees that had been paid up months ago with Veterans United Home Loans.
Consumer complaint received 2020-07-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My 3 accounts with the bank were closed on XX/XX/2015. 
My savings account was closed with a balance of {$2000.00}. 
My checking account ending in XXXX with a balance of {$2700.00}. 
My checking account ending in XXXX with a balance of {$16000.00}. 
The funds were not returned to me after my accounts were closed. 
I went to the bank 's branch on XXXX and XXXX XXXX to get an explanation for the bank 's seizure of my funds. No explanation was given to me, instead I was given this number to call for information XXXX. I called that number repeatedly in XXXX and XXXX and nobody would take the call. I may have left a few messages on the answering machine. 
Meanwhile my friend, who had sent a wire transfer for {$16000.00} from XXXX, was skeptical when I told him what happened without showing him a letter from the bank indicating reasons for the closures. The money was intended to pay for used auto parts to be shipped to XXXX. 
I retained the services of an Attorney on XX/XX/2015 to assist in the resolution of this matter. He wrote a letter to the bank demanding a return of my funds. The bank refused to return my funds. The following attachments will tell the rest of the matter
Consumer complaint received 2020-07-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MidAmerica Mortgage Inc (CT)

The closing on the house we sold was on XX/XX/2020. The loan was over paid by {$8600.00}. According to my lawyer, the mortgage co : Mid America Mortgage had 30 days to refund the over payment. Today is XX/XX/XXXX, 90 days later and we have not received our money. I had spoken with them multiple times over the last 60 days and each time I am assured we will receive our refund ; this way or that way. I feel I am getting the run around and they have no intention of returning our money. My husband and I are both retired and on a fixed income. 

Mid America Mortgage loan # XXXX for property at XXXX XXXX XXXX XXXX. XXXX, CT XXXX
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: Franklin Collection Service, Inc. (NH)

Franklin Collection Services is reporting my delinquent XXXX account on my son 's credit report. My son is trying to refinance his mortgage and this is hurting his credit. We both have the same first and last name, but different middle names, addresses and obviously social security numbers. My son has never had a XXXX account. 

My son disputed this to the XXXX, XXXX and XXXX  on XX/XX/2020. They are all saying their information is accurate. 

My wife wrote to XXXX on XX/XX/XXXX. We have had no response from them and the account continues to appear.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

Over 30 days ago, I requested that Equifax investigate XXXX inaccuracies on my credit report. That request was sent on XXXX XXXX, and I am attaching a copy of the letter. To date, they have yet to respond to me.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I have not been able XXXX obtain XXXX Refunds XXXX my AMAZON CREDIT CARD XXXX is XXXX {$80.00} for a Jacket that was sent back too XXXX on XXXX/XXXX/2015 and as of this date XXXX/XXXX/2015 no Credit has been issued.The Second is for a pair sticky sandal that were also returned on XXXX/XXXX/2015 to XXXX .I have the XXXX RECEIPTS for the Jacket that was too small and it was lined with Dog Fur I had too pay {$29.00} and file a CUSTOM DECLARATION XXXX
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

I have a TD bank Visa. On XX/XX/2020 I was charged XXXX for a purchase at XXXX XXXX - a coffee shop- at the XXXX XXXX. I was not at the airport that day and did not make any purchase at this establishment. TD bank insists that I did, but as of today ( XX/XX/2020 ) has not been able to tell me what I allegedly bought. This charge on my account is either fraud or a mistake in processing by TD bank. 

TD bank says that they conducted an investigation, but can not provide me with a receipt that details the {$160.00} charge. Additionally, they are charging me interest and late payment fees on the disputed charge.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

Chase credit card with account number XXXX was deleted from my XXXX credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?
Consumer complaint received 2024-02-10
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. (MN)

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my ability to obtain credit. They are being reported by a 3rd party that never got my authorization.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

Citimortgage serviced my loan from XX/XX/XXXX to XX/XX/XXXX then sold it to XXXX. Ive included documentation showing that information. Also included the credit report that they are reporting me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX days late. XXXX  is still reporting payments through XXXX of XXXX on a loan that was paid XXXX in XXXX. This is a huge problem. They stopped servicing my loan in XXXX. Ive disputed this 4 times with XXXX  and citimortgage and no response. This is affecting my credit badly and is inaccurate, false information and it needs to be removed immediately.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FISERV INC. (KY)

My credit score started drastically. So i started to do some research. I found out someone somewhere has a bank account in my name. The bank account number is the same as my social security card number. And the billing address is the same on both of these accounts also. And the account name is my name. I would like to know who has ruined my credit? This is not my account. Who is commiting fraud against me?
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (CA)

Called BBVA customer service on XX/XX/2018 to ensure the payment I processed on their website was going to process. The CS Rep advised it was not scheduled, so I scheduled it again. She confirmed it was now ready to process. XX/XX/2018, 2 payments in the amount of {$5900.00} processed from my personal checking account. Called BBVA to get the money refunded, they don't make ACH back to outside accounts. I was told there is no supervisor on the floor. I call back the next person said he would transfer me to a supervisor. Supervisor advised 7 days to refund. No way to refund via ACH. Then he wouldn't let me speak to the next level of supervisor. The bank is in XXXX, which I didn't know. Their website is difficult to follow and they have horrible customer service.
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (CA)

I tried opening a USBank checking account. On the last page to create the account the website was glitching out and asking me to select a drop down menu that didnt exist so I had to finish the application over the phone. They took my XXXX $ opening deposit and created my checking account. 

I was surprised to see that several days later my account was ineligible for external ach transfers on the website. I called in and one of the reps falsely told me thats because ACH transfers cost 3 . After doing some more digging and talking to his manager, she told me the account was placed on hold because they need me to mail them my signature on a card. I asked this manager several times about the possibility of using an esignature service like docusign so that way my account & funds doesnt stay in hold for several weeks due to severely underfunded USPS delays in my area. I never heard back from her. ( to be fair I was working I think she called but no voicemail or email was left ). 

I spoke with XXXX and XXXX today who are helping me get an esignature. 

My whole issue here is that USBank is not doing a thorough job ensuring new clients are taken care of properly. # 1 The website application bad a bug where no dropdown existed for the question it was asking for. I'm a software engineer I tried multiple computers and browsers.

# 2 The website should NEVER say an account is not eligible for external transfers without providing an EXPLANATION. I found it super confusing because I went two more tabs over to the send money tab and all of a sudden I was able to send money to myself. 

# 3 Use docusign for new customers!!! I have been using docusign for my bank accounts for the last 15 years! Why would you rely on USPS when they have been significantly underfunded over the past few years. 

Im looking forward to your response.. and I hope my account is unlocked today!!!
Consumer complaint received 2020-04-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I was XXXX  I just need everything dispute off my credit report. I cant get ahead in life with this old stuff on here. Help me please. XXXX, XXXX, Experian.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (TX)

Federal Trade Commission Consumer Response Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to bring to your attention a matter of grave concern regarding the fraudulent use of my personal information by a company named Fortiva. It has recently come to my attention that Fortiva utilized my sensitive personal data to open a credit card account without my consent, constituting an egregious act of fraud, abuse, and wastage of personal information. 
On XXXX, I discovered an unauthorized credit card account opened in my name, issued by Fortiva. Shockingly, I had no prior knowledge of, nor had I provided consent for, any such application. Upon further investigation, it became apparent that Fortiva had accessed and misused my personal information, including but not limited to my social security number, date of birth, and address, to initiate this unauthorized credit card account.

This act not only violates my privacy rights but also exposes me to potential financial liabilities and damages. I have taken immediate steps to report this incident to Fortiva and have requested the closure of the fraudulent account. However, I believe that stronger regulatory action is warranted to prevent such incidents from occurring in the future and to hold Fortiva accountable for its actions.

I urge the Federal Trade Commission to thoroughly investigate this matter and take appropriate enforcement actions against Fortiva for its deceptive and fraudulent practices. Additionally, I request that measures be implemented to safeguard consumers ' personal information and prevent its unauthorized use by unscrupulous entities like Fortiva.

Please find enclosed copies of relevant documents, including the unauthorized credit card statement and any correspondence with Fortiva. I am willing to provide any further information or assistance necessary to facilitate your investigation into this matter.

Thank you for your prompt attention to this serious issue. I trust that the Federal Trade Commission will take swift and decisive action to protect consumers ' rights and prevent future instances of fraud and abuse. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX 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 XX/XX/XXXX XX/XX/XXXX I would like to exercise my consumer rights to privacy 15usc 1692 ( a ) you have shown time and time again that your company is willing to violate consumers at all cost to help benefit whomever to help violate me further from obtaining consumer products.
Consumer complaint received 2020-05-10
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. (CA)

XXXX XXXX account number # XXXX need to be updated on credit report. Account shows included in bankruptcy but account has been being paid since XXXX all the way XX/XX/XXXX and was paid in full. XXXX XXXX has recently reported that this account was included in bankruptcy was that is not the case I have attached payment history and paid in full letter from XXXX XXXX XXXX and is requesting my credit report to be updated.
Consumer complaint received 2018-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I attended XXXX XXXX XXXX XXXX XXXX in XXXX. I took out a {$15000.00} loan with Sallie Mae ( now Navient ). I have been making payments since XXXX averaging at about {$180.00} a month. Because the interest rate is so high on them ( it's broken up into 2 loans ) essentially all of my nearly {$20000.00} have gone towards interest. I have never missed a payment and am always on time, even though looking through the statements I saw they charged me late fees and that is inaccurate. Last year I noticed they stopped charging me. I still made payments hoping it would go straight towards the principle. Turns out it was going mostly to interest. I received an email saying they were going through a lawsuit and figured that was the reason they stopped charging me so I stopped paying it. Now I just found out that my " forbearance '' is ending in 21 days. I never asked for a forbearance. And because I wasn't making payments, my interest rate shot up even more. Accumulatively it is at 23 %. In the past I had called and tried to lower my monthly payments and they denied it. That is the extent of what I've done to pay less on my loan. I know that the lawsuit had to do with cases such as this, where they were doing shady things without people knowing and I am one of them. I have contacted them about it and they said they are " looking into it ''. I don't expect them to do anything seeing as how they are thieves. I need something to be done about this. I shouldn't have to pay higher interest rates because of something they unknowingly did to me. I honestly would like to refinance my loan and get the interest lowered as much as possible ( nothing over 6 % ). Also it's completely unfair that I can't claim this on my taxes because of the type of loan it is. This is ridiculous and something needs to be done.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to XXXX in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to XXXX chat feature where the XXXX rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that XXXX could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current ( that didnt make sense to me but whatever ). He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. Because although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month is if there is even one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with XXXX  again and they still did not update. So I came to the CFPB and finally XXXX  has removed it from showing as late ( attached is a screenshot of their response ). They must have finally had an actual human look at the documents. As even the payment history being supplied by XXXX shows the account being PAID IN FULL CLOSED in XX/XX/XXXX. 

After XXXX  updated theirs I filed with XXXX  and Equifax both on XX/XX/XXXX thinking it would be a breeze as I could show my payment history and proof that XXXX  had updated it. No such luck, both companies came back and did not make any changes. So just going through the motions again by filing this with XXXX  and Equifax and hopefully they too will have an actual human look at my documents instead of whatever is going on at XXXX.
Consumer complaint received 2020-05-09
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. (FL)

I have fraudulent accounts on my credit report, I have tried to have them removed but the credit bureaus will not help me. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2020-07-13
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/2017 i was hit with a 30-59 late payment on my barclays credit card due to a yearly fee that i was unaware about.
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

Credence Resources Management XXXX. XXXX XXXX XXXX MI XXXX XXXX XXXX, XXXX. {$2700.00} XXXX XXXX I disputed this with the credit beaurea as the amount of money that is listed is not owed. I cancelled my XXXX as they were grossly over charging me monthly not according to the monthly agreement. I requested proof showing how and why this was owed from XXXX but never received anything. Now it has been listed with a collection agency and is damaging my credit.