davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I opened a checking account with 53rd bank online on XX/XX/XXXX. Everything went fine until almost a month later i realized that i couldn't log on to the online banking or access to my funds. When i contacted the customer service on XX/XX/XXXX i was told that my account might be approved by error. So i asked to just close the account and return my money. The representative said ok and that the account balance would be mailed to my home in a check. On XX/XX/XXXX when i still not received the check i called again and spoke with a rep named XXXX. He apologized for the delay and said he would put a request to reissue the check and mail to my home. But as of today still no check in the mail, and I'm still receiving the bank statements so obviously they did not close my account as they promised. I called the bank this morning again 4 times. Each time i was transferred to the fraud department where nobody ever picked up the phone, i waited for over an hour until the phone battery died still nobody answered. I have no other option but to come to CFPB.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXX XXXX XXXX  ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX  XXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an XXXX XXXX  XXXX never hear of them either.
Consumer complaint received 2019-02-19
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: EQUIFAX, INC. (VA)

On XX/XX/2018 I disputed enormous accounts on my credit file, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my right according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also that they respond within fifteen days. I sent my letter through certified mail and it has been well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

Update : I received a letter in the mail about 30 days after I requested a method of verification. It was the same exact letter that was sent to me when I first disputed the accounts. Saying they opened another dispute which I didnt ask for and that the accounts again are verified as accurate. Please help me. Thank you.
Consumer complaint received 2022-01-18
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. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (TX)

In XX/XX/XXXX I contacted XXXX XXXX XXXX regarding credit card debt I owed. I was told by a collection representative to contact Credit Management , LP. at XXXX. I contacted Credit Management, L.P. and made payment arrangements. I was told I owed {$700.00}. The representative and I agreed with {$40.00} monthly. Starting XX/XX/XXXX through XX/XX/XXXX {$40.00} plus a {$5.00} software would be deducted from my bank account. 
Between XX/XX/XXXX - XX/XX/XXXX a total of {$320.00} plus {$35.00} ( software fee ) has been deducted from my account. In XXXX I made several attempts to contact Credit Management, L.P. regarding the balance but never got an answer. I contacted XXXX XXXX XXXX and was told that Credit Management, L.P. usually closes around XXXXXXXX XXXX. On XX/XX/XXXX I contacted Credit Management, L.P. regarding the balance. I was told my balance was now {$550.00}. I asked why was the balance so much if I paid {$320.00} on a {$700.00} balance? I was told by the Credit Management , L.P. representative that XXXX XXXX XXXX was still adding interest to the balance every month. I called XXXX  XXXX XXXX and was told that wasnt true because the account was closed. I requested that Credit Management , LP. send me letter regarding the balance. On XX/XX/XXXX Credit Management, L.P. emailed me a letter stating : Original Amount Owed : {$680.00} Interest Fees ( if any ). {$190.00} Payments : - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00}. XX/XX/XXXX ( their typo, not mine ) Current Amount Due : {$550.00} No mention of the other five payments that were deducted from my bank account. 

When I contacted Credit Management, L.P., on XX/XX/XXXX I was told that they no longer had my account and to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was directly sent to a voicemail system. Something doesnt sound right about this situation. How can interest be applied to a closed account? This is XXXX XXXX me out. 

Address for Credit Management, L.P. 
XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

This is a complaint is against the AmeriHome ( AM ) ( 1 ) fails to process my payment via XXXX ; XXXX 2 ) making harassing collection calls at my work until I made an extra month of payment ; ( 3 ) rejecting XXXX Proof of Payment and refused to credit the payment to my account. 
On XX/XX/XXXX, XXXX made an electronic payment to XX/XX/XXXX. On XX/XX/XXXX ( XXXX before grace period ends XXXX, I received a collection call from AH at work. As soon as I picked up the phone, there was a recorded message This is a debt and collection call from AmeriHome, if you are XXXX XXXX This is super embarrassing if the call came through reception. I received 2 mores collection calls after that. 
I called XXXX inquiring about the payment and to double check if the bank has all info correct. XXXX confirmed payment was made on the XXXX and cleared on the XXXX. XXXX confirmed the account number was correct and provided a Proof of Payment to be sent to AmeriHome. 
In order to avoid more harassing calls which interfere my work, I made an extra payment on XX/XX/XXXX, expecting that it would apply to the XXXX payment. On XX/XX/XXXX, I called AmeriHome about the issue. The representative, I believe his name is XXXX told me to email the proof to AH. To my surprise, I received a response from AH that they can not respond to my issue because it is unsafe to communicate via email. However, this is the same email address AH has been communicating with me numerous time since XXXX. 
I made a total of 2 payments for XXXX but AmeriHome only credit the payment I made directly with XXXX, refused to credit the one month payment via XXXX provided I sent them the Proof of Payment. Please assist and investigate any other victims who run into a similar issue. Thank you.
Consumer complaint received 2024-02-08
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. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
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: Experian Information Solutions Inc. (GA)

TO WHOM IT MAY CONCERN : Under 15USC 1681b- permissible purpose of consumer reports ( A ) IN GENERAL- Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX NEVER gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer demanding deletion of these accounts. 

XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00}.
Consumer complaint received 2024-02-15
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. (NJ)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00}.
Consumer complaint received 2023-03-30
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. (MD)

An individual fraudulently opened a XXXX XXXX XXXX credit card under my identity using a different address. The balance on the fraudulent account has now reached {$33000.00} with a charge off status, causing my credit score to drop by over 200 points and completely ruining my previously impeccable credit history. Despite my efforts to have this fraudulent account removed from my credit report, my requests for justice have been ignored by XXXX and Transunion. I sent certified mails to the credit bureaus, but did not receive any response. There's no evidence of investigation. This fraudulent account still stays on my credit report as I am submitting this report. 

I activated a fraud alert on my credit files, filed an identity theft report on the Federal Trade Commission website, and also filed a police report with the local police department. This is my first time dealing with identity theft and I never thought that removing fraudulent accounts would be such a difficult process for the victim. It's important that we address this serious issue, as many people 's lives are being destroyed by a system that doesn't seem to be working in their favor.
Consumer complaint received 2019-02-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NY)

I have been going back and forth with Navient, as well as a dirty tactic collection firm named XXXX and XXXX, as per the XXXX XXXX Courts reps I have spoken to. I currently have XXXX private student loans showing on a record pulled by my credit union that are showing as court based judgements, even though I have worked with Navient to get these corrected. I spoke to a rep in their executive services office who worked with me to get them out of the judgement/collection, supposedly out of the office of XXXX and XXXX and off my records. I was illegally garnished for almost 2 years and this was lifted based on Navient FINALLY pulling it. Once pulled, they told me they would be off my record, back in their office and out of XXXX and XXXX, which none of these things have happened. I still have them on my records, have been unable to defend loans which ARE NOT mine and they are still illegally listing them under judgements, which they said would be lifted. I was never served papers in order to defend myself, never given my day in court to force them to prove they are all mine ( Which most are not ) and Navient has failed to live up to promise after promise to fulfil what they said they would. They consistently state " Under court terms '' and throw these complaints out, which is unfair to me. If they are not pushed to follow their own terms, I will be forced to join some class action lawsuit against them for their lying practices, when all I want are these off my records. These are causing me to be unable to buy my mothers home, which was offered to me and are causing me irrefutable damage.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.

remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NC)

I went to the atm outside of the XXXX  on XXXX XXXX in XXXX NC on XX/XX/XXXX at XXXX to do a Cash deposit. The machine took the {$200.00} but failed to give me a updated balance receipt. The error message said the atm can no longer accept cash deposits and that my transaction had been declined. I went to the bank the next day to speak to them, the teller XXXX XXXX was unable to properly assist me as she asked the teller manageXXXX for assistance. She came back to tell me she would file a dispute that may take up to 10 days and that I needed to agree to this statement in order to get my money back. I refused and asked to speak to someone else and she replied the answer would be the same.
Consumer complaint received 2016-12-13
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i did depossite my money order in capital one bank XX/XX/2016 and the money is not being clear capital one fraud do n't give answer about why is no clear the money order, i send copy my invoice purshase and return reason by the bank mortgues the officer in charge is XXXX XXXX case # XXXX i being calling her for more 10 days let voice mail. they are not have return my call back or any answer
Consumer complaint received 2023-03-30
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. (PA)

My name is XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Capital One marketed to me, presumably based on my credit score and spending history, a bonus scheme of {$100.00} if i spent {$500.00} in XXXX months. I have spent upwards of {$800.00} within this time frame and now the company tells me that they have no bonus activated on my account. 
How can their systems not be linked to verify their direct mail campaign against my account
Consumer complaint received 2022-01-07
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. (PA)

I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. Experian said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knownly violated my Consumer rights according to Section XXXX05B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2015-08-13
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: PMAB,LLC (NC)

I have received numerous calls within a XXXX week period attempting to collect a debt I have been making payments on based on my available finances. 
PMAB called on the following dates and times:XX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXI advised XXXX when I called on XXXX/XXXX/2015 to cease and desist all communications as this was bordering on harassment and I was told they would not stop communications unless I submitted it in writing. I faxed them a cease and desist letter and then mailed it to them. I have a copy of the letter.
Consumer complaint received 2021-04-08
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo violated FDCPA rules by calling prior to XXXXXX/XX/XXXX. I already filed CFPB XXXX and reject the response. 

You can not use corporate rules to violate calling times. You can not justify harassment. You can not use Covid as an excuse to violate FDCPA laws, rules and regulations. Wells Fargo DID call me prior to XXXXXX/XX/XXXX and wish to justify their illegal actions!!!

Well No!!! 

They have admitted making the call. I want my {$1000.00} dollars for their clear violation of the law! Wells Fargo can not cite, and has failed to cite ANY state law, federal law or even a fictitious law to support their claim that they can violate the FDCPA!! 

At what point do I get paid for their harassment? Calling prior to XXXX constitutes harassment!! Calling at that time is an automatic fine. Pay up!!