davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My name XXXX XXXX. I became a victim of identity theft a long time ago. After that incident I noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report immediately. Besides these items, I also want to delete incorrect names and addresses that I do not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not authorized by me as soon as possible. Please see attached identity theft report.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE (UT)

On XX/XX/20 I received a text from Huntington alerting me that my account was overdrawn. I do not use Huntington as my primary account and it only exists because it was the local bank in Ohio. 

I immediately logged into my Huntington account to see where the charges came from and noticed that I had funds in excess of {$100.00} going to XXXX. I called Huntington Bank after seeing the charges and after several attempts could not reach anybody. The IVR system kept sending me to the wrong location and when I finally did get the right pathing I was informed that the office was closed. 

I had the card in my hand and it was not physically lost or stolen but I could not stop the transactions from happening online. I now have an overdrawn account that I have no intention of putting funds back into as I can not reach a customer service representative for such an egregious problem. I understand that the holiday was the XXXX but to not even have a fraud department open is unacceptable and highlights the ineptitude of the company as a whole.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently noticed a fraudulent account on my credit report from XXXX XXXX XXXX, account # XXXX, opened on XX/XX/2019 with original balance of {$890.00}. 
I did not authorize this account and it is not mine. Identity theft report filed and included.
Consumer complaint received 2020-07-06
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. (AR)

I RECENTLY APPLIEDFOR AN APPARTMENT AND I GOT DENIED. I DO NOT UNDERSTAND WHY I WOULD BE DENIED BECAUSE MY INCOME, RENTAL HISTORY AND CREDIT IS UP TO STANDARD. TODAY I CHECKED MY CREDIT REPORT WHILE DOING SO I SEE ITEMS THAT ARE NOT MINE. I DO NOT UNDERSTAND WHAT IS GOING ON, BUT THESE ITEMS ARE NOT MINE AND THEY ALL NEED TO BE DELETED FROM MY CREDIT REPORT.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

In XX/XX/XXXX, my partner passed away and I was namedthe personal representative of the estate. Since XXXX XXXXI have been attempting to work with Wells Fargo to completea deed in lew of foreclosure. Wells Fargo has assigned mycase to many representatives who tell me that this is basicallyapproved, then not approved, then it is assigned to newperson. Wells Fargo had stated on the phone, of whichthereXXXX have been many calls they have recorded. 
that this is moving forward and their are no issues. 
There is a line of credit with WElls Fargo of whichthey stated they declined the {$6000.00} offer from thefirst, only to tell me on the phone they reversed thatand would accept it. I was told today that the previousHome Preservation Spedicalist was removed from theposition, and that he had incorrectly selected the wrongscreen and put my case into a different status ( I still do notunderstand ) and that I would need to start the process overagain. I have done everything I can and have so many lettersstating that this is moving forward, only to have the letter thenext day tell me it is not, then the following day it is. I havehad no less than XXXX home preservation specialist. This hasbeen ongoing since XXXX and when I asked to speak to asupervisor I was given XXXX, only to be told today, that personwas not my preservation specialist supervisor ... .so I was liedto. I do n't know what else to do and need assistanceto get this moving forward so it can be closed out.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I noticed with the 3-consumer reporting agencies are not reporting my tradelines like they are supposed to. I noticed that they haven't reported since XX/XX/2023. I called all of my credit card company, and I was told that they are reporting to the 3-consumer reporting agency. They are not responsible when the consumer reporting agency report the tradeline.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

In XXXX of XXXX I opened a XXXX XXXX Credit Card ( Citi Bank ) after reading the advisement for XXXX  years, 0 % interest. I linked my bank account in order to make prompt payments as a way of protecting my good credit score. After XXXX  years of making automatic payments and the XXXX years expired, Citi Bank immediately added a retroactive interest fee of {$3000.00} on a {$3600.00} balance. I called Citi Bank Representative and account manager named XXXX who gave me her employee ID as XXXX. She refused to hear me out and eventually hung up on me after I pleaded with her to understand that the decision to add such an interest fee was unethical. To be clear, it wasn't until I went to pay off what I thought was the remaining balance of {$3600.00} on Friday that I noticed the huge interest charge from back in XX/XX/XXXX.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2018 I paid the amount of {$3200.00} to XXXX from a " Balance Transfer Convenience Check '' from my XXXX credit card account. 

The check was in fact cashed by XXXX on XX/XX/2018 and XXXX provided me with a copy of this cashed check with XXXX XXXX XXXX account number stamped on the back AND so there is no doubt that they RECEIVED and CASHED this " Balance Transfer Convenience Check. '' However, they refuse to post it to my account. To aid in the process I faxed them # 1 Their cashed check # 2 The proof that it had also posted as a balance to my XXXX account However, they just keep saying : " That they did not receive the fax ( even though I faxed it 3 times ) and that they still have no idea where their cashed check is. I am now paying interest on the {$3200.00} but it remains not credited/posted to my XXXX and I can not seem to find a resolution with them.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-11-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: L.B.Gray LLC A Debt Collection Agency (OH)

Had a XXXX  month lease and toward the end the apartment had mice so we did not renew the lease for XX/XX/2016 we completed an attempted to vacate form gave it to management and moved. We were not notified of a balance or given an itemized list of the balance. Recently spoke with the current manager and was told to dispute because she could not find anything and she would call when she received the dispute yet she has not called and the amount remains on my credit. This negative should be removed.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 XXXXXXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my check systems report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX, XXXX  which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

This information is very wrong, I do not recognize that it is mine, I have many problems to also have this, I want them to delete everything that is not mine 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 2022-10-06
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: Resurgent Capital Services L.P. (NY)

On XX/XX/XXXX an XX/XX/XXXX LVNV FUNDING LLC added derogatory marks on my credit report per XXXX XXXX. upon, further research, these accounts were transferred/sold an I am no longer responsible for these accounts debtors creditor did not verify these collections. Also, there was no written form of communication, contract, or signature for these accused debts at all. A bill without out a signature does not validate these debts and anyone can send a bill an say its mines. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer an I am requesting legal actions to remove these accounts immediately.
Consumer complaint received 2020-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NJ)

I opened a PNC Bank Business account yesterday XX/XX/2020. I deposited {$500.00} cash I also deposited {$10.00} via XXXX XXXX. I was told my funds will be available today XX/XX/2020. When my funds of {$510.00} was available early in the morning on XX/XX/2020 I proceeded to deposit {$2100.00} into the same PNC business account which brought my account up to {$2600.00}. During the day while checking my account my account balance said {$0.00}. Then I called PNC Bank customer service to find out what was the reason for this they said my account was pending closure. Which no reason has been given why my account was closed and my funds were frozen. I was told to go to the branch and at the branch the same woman who opened up my business account the day before told me that there is nothing that can be done until Monday. Ive also called customer service multiple times today and Ive gotten the same answer no one has told me why my account was closed. Now I have no funds available funds that are used towards my business which is affecting my business and my customers. I need this resolved as soon as possible this is hurting my business and my brand I need help.
Consumer complaint received 2016-12-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (KS)

When the lease agreement with Toyota Motor Co. ended XXXX XXXX, XXXX, I chose to purchase the XXXX XXXX XXXX, & TMC received payment from XXXX XXXX XXXX by or before the XXXX date. As of today ( XXXX/XXXX/XXXX ) Title for the vehicle, naming XXXX as lien holder, has not been received. As a result, when the registration expired in XXXX. I was unable to register the vehicle, so I am unable to drive my car. XXXX was, and is still, expecting to see the Title & has been co-operative, so far, while payments to them have been timely. Numerous contacts to TMC, beginning early XXXX, have been made, & each time I have followed the advice of the representative & in return, advised them of the pending registration end date. A lien release was sent to XXXX, KS XXXX XXXX. XXXX KS DMV has joined in contacting TMC regarding need for Title-not a lien release. I was informed on my last inquiry ( XXXX ) that the title had been sent to both the DMV in XXXX, KS & to me at the home address on XXXX XXXX. Neither I nor DMV have received the much needed Title. When I asked if TMC had overnighted the Title, I was told it went out in the regular mail. I also requested, during that same phone contact, a written explanation & apology from TMC-not received-no surprise! XXXX holiday may have caused some delay, but almost 2 weeks-unacceptable! When I phone TMC today, I will tell them I have filed this complaint in the hope that CFPB can get resolution to this frustrating & unnecessary delay.
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

The response from Selene Finance to CFPB is incorrect. My application for loan modification the income section is incorrect. Income reported on my application {$4500.00}, Selene reported income to CFPB {$6700.00}. Errors on Social Security amounts. Rental income I reported {$800.00} monthly, Selene reported {$2600.00} of Rental Income on their report to CFPB.
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (IN)

Since I opened this account for my fiancee 's engagement ring with wells fargo I have made payments exceeding the minimum and if I worked overtime several payments a month. then in XXXX and XXXX this year I made XXXX payments in early XXXX and Early XXXX, but for some reason they refused to recognize the XXXX payments and charged me a late fee and did not credit me with any payments in XXXX stating I owed XXXX dollars with a 25 dollar late fee. They have been unwilling to recognize the payments or waive the late fee at this time. I make payments the day my pay checks come in every other week and hope to get the billing cycles moved to recognize the paycheck that arrives during the first 10 days of any given month will be gauranteed to be recognized on the billing statements since they seem to shift when the cut off.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I recently disputed information on my credit report that did not pass CDIA Metro 2/CSRA compliance. The CRSA  enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact, fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to CERTIFIED METRO 2 COMPLIANCE standards ? I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws provide that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) requires. Please reply within ten days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.