davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
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: Experian Information Solutions Inc. (MI)

I am a victim of identity theft. Experian is reporting a fraudulent XXXX account on my credit report. I submitted the police report to Experian and it was not honored. I recently resent the police report and I am hoping that this resolves the issue with Experian.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have called Experian twice on XX/XX/21 and XX/XX/21 as well as disputed online on XX/XX/21 to request to have invalid/incorrect addresses removed from my credit report. I told them which address is my current and only address and yet All they keep doing is updating the incorrect addresses never deleting the incorrect addresses.They have failed ultimately to provide a solution to my dispute and I do not want to be held as a victim of identity theft because someone was able to use the multiple incorrect address thats on my credit report.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am trying to send money between my Capital One Account and my XXXX account. 

Capital one app says that my phone number is " Unable to Verify '' so I called the bank and they couldn't do ANYTHING about it. 

I called XXXX and they couldn't do ANYTHING about it. 


Just fix my XXXX account so I can transfer money!!!!!!!!!!!!! This is insane that you all partner with a company that is meant to make life " easier '' and I have been on the phone with XXXX, CAP ONE, & XXXX for the past 90 minutes trying to figure out how to access my funds because one of your XX/XX/XXXXcall center employees reshipped my debit card which was slated to be delivered tomorrow and NOW i have to wait til XX/XX/XXXX instead. Utter XXXX!
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX and XXXX removed my XXXX XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting on my Credit Report.
Consumer complaint received 2021-06-22
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. (MD)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX BANK XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX BANK XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXXL on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-08
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. (SC)

I AM LOOKING AT MY CREDIT REPORTS AND I HAVE A FEW FRAUDULENT ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME LOTS OF EMOTIONAL DISTRESS FOR MY FAMILY AND MYSELF. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILD WHEN THE BUREAUS ALLOW THESE ACCOUNTS ON MY CREDIT PROFILES? I RECENTLY APPLIED FOR CREDIT AND THESE ACCOUNTS SHOWED UP WHEN THE CREDIT CARD RAN MY CREDIT PLEASE HELP!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK (AZ)

I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

In 2018 I had an emergency I went to XXXX XXXX in California I talked to my insurance at the time they said they would pay it next thing I know I have a collection on my account from Rash Curtis & Associates later when I went to someone to assist me with getting it taken care of I noticed the amount owed on the debt is going up and continues to go up when we called to work something out the operator wasn't receptive of a payment plan or anything. This issue has gone on all my credit reports XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-11-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2016 I had XXXX dollars in my account. All transactions were processed. I was aware of the low balance, but all transactions were processed. I was going to deposit money the next day. Overnight, BOA rearranged all transactions charging me 5 overdrafts to which XXXX trans. were of {$2.00}. Before they have waived the charges. Now they are insulting me for not keeping a straight balance. I do, but they keep rearranging transactions, so i keep falling in a hole and they take a chunk of my paycheck which comes direct deposit. This time, i am not deposit any money until they erase all the illegal XXXX as i counted overdraft transactions. 
I demand for BOA to stop rearranging transactions behind customers ' backs in order to collect overdraft fees. This is not the first time. XXXX dollar fee for a XXXX transaction that they caused by rearranging transactions? I will not allow them to take anymore money from my paycheck and child support. I work too hard. I have been with BOA for 26 years. They are stealing customers ' money now. I want and need my five overdraft fees removed. That was until XX/XX/XXXX and any after that, then I will deposit money and close my account. Thank you.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Williams & Fudge, Inc (IN)

For some reason my credit report from XXXX by Willams and Fudge was marked for collection with an amount of {$2400.00}. However the orginal creditor XXXX XXXX XXXX XXXX has already canceled the debt that was owed? Attached to this compliant is my Copy B form from the XXXX XXXX recieved on XX/XX/2024 from XXXX XXXX  XXXX XXXX.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2021 approximately XXXXXX/XX/XXXX EST. I transferred money from my 5/3 express checking account to my 5/3 mortgage account. A week or two later my XXXX payment was reported to my credit as 30 days past due. I called 5/3rd bank who verified my payment was transferred on XX/XX/XXXX from my 5/3rd express checking to my 5/3rd mortgage via the 5/3rd online banking. However they stated since it was after XXXXXX/XX/XXXX EST it would not be reported as being transferred on the XXXX because the banks were closed it would be reported the next business day which was XX/XX/XXXX. 5/3rd will not reverse the 30 day late with the credit reporting agency even though they confirmed the electronic payment from my 5/3rd express to my 5/3rd mortgage was made and received on XX/XX/XXXX. The fact that 5/3rd clearly received funds prior to the 30 days and has record of it, but is unwilling to do the right thing and reverse the 30 day late is preventing us from getting refinanced. In addition to this, it shows on 5/3rd rules and regulations that internet banking cutoff time is XXXX : XX/XX/XXXX I made the payment via electronic transfer from my 5/3rd account to my 5/3 mortgage prior to 30 days. All I'm asking is for 5/3rd to do the right thing by supporting their customer and reverse the 30 days late for XX/XX/2021, so we can get refinancing. What happened to making my day a 5/3rd better? 
Please help me by doing the right thing. its clear the payment was made prior to 30 days. 
Sincerely XXXX
Consumer complaint received 2021-04-07
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: JPMORGAN CHASE & CO. (AZ)

Chase Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XX/XX/XXXX; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2015-07-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My home was dual-tracked and sold at a foreclosure sale in Georgia on XXXX XXXX 2015 even though a modification application was in review. 
My previous CFPB Case # XXXX detailed overview of events just prior to and immediately following the foreclosure sale will be attached for reference.
Consumer complaint received 2021-08-10
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. (AZ)

On XX/XX/2021, I sent a letter to Equifax credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from XXXX  of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
XXXX  removed all inaccurate address and added more that did not belong to me.
Consumer complaint received 2016-06-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN HONDA FINANCE CORP (NJ)

XXXX XXXX XXXX XXXX XXXX has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

Talk to a Representative with a credit card company and explain to them that I never own a credit card through them and not even sign with them. 4 year later I am finding out that I got a garnishment with them to pay a debt, I am very confused by this.
Consumer complaint received 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I submitted a dispute w/ Transunion regarding an inaccuracy on my credit report w/ the US Dept . of Education. I received a response from TransUnion on XX/XX/XXXX stating they conducted an investigation and verified the information as accurate. 
My student loans were successfully rehabilitated w/ the US Dept . of Education and were taken out of default status and were to no longer report negatively on my credit according to the terms of my rehabilitation agreement w/ the US Dept . of Education as of XX/XX/XXXX. Also, according documentation sent to me from the US Dept. of Education, my account has been assigned to XXXX XXXX to further resolve the debt, again according to a letter dated XX/XX/XXXX. TransUnion is reporting that I owe a debt to the US Dept. of Education in the amount of {$23000.00}, when in fact, I don't owe them anything due to the rehabilitation and the reassignment of the account. TransUnion 's reporting is now stating that I owe more debt than I actually do and this account is showing as almost 12yrs old. I placed a call to them on XX/XX/XXXX regarding the inaccuracy they're reporting and the representative attempted to tell me that the information was correct. I voiced my disagreement and informed her that I had documentation to support my claim and that I wanted the almost 12 yr old info removed from my report. Again, I was told the investigation was verified and the report is accurate and was dismissed. I'm requesting the CFPB to please look into this matter and rectify the issue.
Consumer complaint received 2020-12-08
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. (NY)

Hello, DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH XXXX  AND TRANSUNION. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS  DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX  - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (CA)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX ) via certified mail on XX/XX/2020. 
In my letter received by Experian, XXXX and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. I received a notice from Experian stating that they would complete my reinvestigation on or around XX/XX/XXXX but I never received that update and I have no update at all from XXXX or XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2017-01-05
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (OH)

I applied for a mortgage through Wells Fargo on XXXX/XXXX/2016. I gave them all the document that they had requested. They kept asking for the some documents over and over again. They kept saying the file was in underwriters. On XXXX/XXXX/2016, XXXX, the loan office told me that she thought I did not have sufficient income for me to get approval after talking {$440.00} for appraisal fee and {$11.00} for credit check on XXXX 2016. On XXXX/XXXX/2016 I wrote to XXXX to stop the appraisal process because there was no need to appraise the house which I did not qualify. On XXXX? 2016, Wells Fargo went a head and appraised the house against my advice. I filled a complain with the Wells Fargo de-escalation department. They acknowledged the communication for stopping the appraisal as the reason why I did not get the appraisal report. I had told them that I needed my money back. In their finding completed in XXXX, they said they did not see any reason why I should get my money back. I fell I was fleeced by the bank. Please help me recover my money from this terrible bank
Consumer complaint received 2022-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (TX)

SOMEONE HAS OBTAIN CREDIT UNDER MY NAME AND SOCIAL COMPANY NAME IS ACIMA CREDIT ACIMA CREDIT WAS OPEN IN MY NAME ON XXXX I/A/O {$10000.00} ACCOUNT # XXXX ACCOUNT TYPE-LEASE MONTHLY XXXX {$900.00} BALANCE XXXX TERM IS 12 MONTHS PHONE : XXXX
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I deposited a loan check from a reputable company in my Chase checking account via a branch ATM on Friday XX/XX/XXXX around XXXX. I had several hundred dollars in the account at the time. I was told there would be a hold on the check until Saturday XX/XX/XXXX and then Tuesday XX/XX/XXXX the remainder of the funds would be available. I agreed. On Saturday XX/XX/XXXX I attempted to use my debit card to find that my account had been frozen restricting access to all funds. I called customer service, was treated poorly and was told they didn't know why my account was frozen but I'd have to go to a branch in person on Monday. Today Monday XX/XX/XXXX I spent my entire lunch break at a Chase branch attempting to resolve the problem. I had to go back to work and they said they'd call. They didn't. I returned to the Chase branch after work and was told that although the check had cleared my account was still frozen because " the font on the check didn't look right '' and I would need the lender to accompany me to the bank to tell them it was real. According to Chase my two forms of ID are not good enough, a phone call from the lender isn't good enough, I need a third party from a lender to come with me to cash a check that has cleared. The branch manager got involved and realizing how ridiculously unfair this was attempted to resolve the problem. She did her best and I am grateful for her work however my account is still frozen and I have no answer as to when it will be unlocked. I was given {$280.00} of my money to basically get me to leave. I took this loan because I have very important bills to pay but I can't because Chase is playing games. The check cleared XXXX XXXX XXXXXXXX and Chase has the funds but they refuse to allow me access to my money because they simply don't want to. I have never bounced a check, never overdrawn my account, have no criminal record and yet Chase can treat me like this. I can't even close the account because it's frozen. I don't know what else to do and really need help.
Consumer complaint received 2020-12-08
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. (FL)

On XXXX XXXX I notice two hard Inquiries that show up on my account. I reach out to XXXX and XXXX/ XXXX and they have no recollection of me applying or have an account with them. Which means the Information is inaccurate and needs to be removed. They told me to reach out to you Equifax so you can remove the hard inquiry. I also attached a credit shot of my XXXX XXXX showing that the information is still reporting on my credit report. 

Feel Free to call me at XXXX