davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I deposited a refund check from my daughters school via my online mobile banking App. The check was made available a few days later and I paid a few bills and did XXXX transfers to my kids checking account. Later that same morning there was an extended hold placed on the check which caused an overdraft of over {$600.00}. I called the bank to find out why the hold was placed and they said they were having a problem verifying funds with the issuing bank. I called the issuing bank and was able to get through to them to verify funds and explained to them what the issue was and they told me all my bank had to do was call the same number I did. I waited a few days and then contacted the school which put me in touch with the finance office of the company where the check was drawn. They informed me that the check has cleared and has already been paid to my Bank. I called the bank back and they are unwilling to release the funds and said that they are still trying to verify funds. I have deposited XXXX of these same refund checks drawn on the same bank since XX/XX/XXXX and have never had a problem. I feel that this is just another way for Citizens bank to get fees from me, the check has already been paid and I would like my funds released immediately. I have not been able to buy gas, food or pay any bills and I am extremely angry. They have placed a hold on my account until XX/XX/XXXX which I think is outrageous. If this mater is n't resolved I plan on going to the media and filing a law suit against the bank.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (DE)

I am writing to express my deep concern over the failure of Equifax, XXXX, and XXXX, the three main credit bureaus, to validate and research the debts listed on my credit reports in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, including sending validation letters and making phone calls, these credit bureaus have not provided the required verification within the prescribed timeframe. This disregard for legal mandates has left me questioning the accuracy of the information on my credit profile and eroded my trust in their compliance with consumer protection laws. I urge for a comprehensive investigation into this matter to ensure the credit bureaus ' adherence to these vital regulations. 
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 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 2016-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have written all XXXX major credit bureau 's at least 3 times each trying to clear up my credit score. Since their responses are so similarly obfuscating and unresponsive, I believe that they illegally work together! Please investigate them for illegal collusion! 

My credit history used to be excellent until XXXX loans I took out on condominiums in XXXX, North Carolina were defaulted upon. I did sign for these loans, HOWEVER, I was scammed out of ownership of these properties. I do not own them. 
They are owned by my former accountant, XXXX XXXX and his wife, XXXX. That information can be easily checked. ( They were supposed to have been owned by an LLC that we owned equally, along with XXXX other condominiums in the same complex, however that was either not done or illegally undone. ) I diligently tried to work with the XXXX banks originally involved ( XXXX, XXXX and XXXX ) to buy the loans from them or to cooperate with a repossession. The banks recurrently failed to follow through on our ( mine and an attorney ) discussions. 
There were also title issues ( the XXXX condo 's were in XXXX different XXXX buildings for which the legal addresses and the street addresses of the XXXX were mixed. ( " We '' owned all the properties so it should not have been a bug issue! ) I also tried to help resolve this issue and hired an attorney. He too could not get the banks to cooperate. 

XXXX have, recently, resolved XXXX of the XXXX loan issues. I am not involved. 
XXXX XXXX informs me that he is willing to resolve the last loan, but the bank is refusing to work with him, but is trying to resolve the property tile issue. 

I would like my good credit score restored. The credit bureau 's seem unwilling to understand or accept my plight. I pay MY bills. 

I pay the mortgage on my home ( which they bizarrely claim I dispute along with the XXXX loans! ) I pay all my other bills on time. I simply refuse to pay for mortgages on properties I do not own. 

I refuse to accept that my credit score should be impacted by this when the holders of the mortgage debt refused to work with me to resolve the problem and could have been made whole. ; the properties have sufficient equity to fully reimburse the creditors. They just refuse to cooperate and/or act. 

I have lost over {$250000.00} and the banks are not at risk of losing a penny if they work with me or use their legal authority. I should not have my credit history and ratings destroyed because I was scammed and the banks either are ( XXXX of the XXXX ) or can be fully reimbursed. 

Please help me get through to the credit bureaus who are jointly deaf. I want my good credit ratings restored.
Consumer complaint received 2016-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OR)

Please have this removed from my account. the date i am showing it was opened is XXXX 2016 Balance : {$1200.00} Collection / Charge-off Open Account Negative Account As of : XXXX XXXX, 2016 Account Details Payment History Contact Info Account Number : XXXX Account Type : Collection Account Amount Past Due : -- Scheduled Payment : -- Owner : Individual Opened Date : XXXX XXXX, 2016 Original Balance : {$1200.00} Original Creditor : XXXX XXXX Creditor Type : Account in Dispute No that is all the info showing on my credit report. I was not with XXXX in 2016. I have been with XXXX since XX/XX/2016 and before that was an a friends account with XXXX. I believe this to be incorrect information and not something i should have effecting my credit report. please have this reviewed and please remove from my account
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

My ex fianc open up accounts in my name without my knowledge. I been trying to dispute the accounts on my credit report for the last two years and they keep saying the accounts are verified, I put a freeze on at XXXX XXXX ( company that keep supplying the same info ) so I dont know how they are investigating the matter. My ex fianc also is willing to write and accept responsibility for what he did. XXXX, Equifax, XXXX XXXX.
Consumer complaint received 2017-01-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IA)

The lender received a loan modification package on XX/XX/XXXX - the docs provided is what the re-entry team at Wells Fargo requested to determine a new review on the file - We continued to follow up with the lender regarding the review - it was not until XX/XX/XXXX that we were advised of additional docs needed for the determination of a review - on XX/XX/XXXX the lender was provided with the requested info needed - we were advised on XX/XX/XXXX that the file had been sent to the second level review and if any docs are missing they will deny because we are in the seven day period and that they will not postpone the sale date. We feel that the lender is not reviewing the file in a timely manor and due to the 2nd level of review that the file is in, the sale date should be postponed for this review due to the Dual Tracking laws and the lenders lack of review and urgency of this file.
Consumer complaint received 2023-08-02
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. (IL)

I am writing this personal statement to address the presence of inaccurate personal information on my credit report. It has come to my attention that certain items listed on my report are not reflective of my financial history, and I strongly believe they are a result of errors or identity theft. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to protect myself from any potential fraudulent activity. Upon reviewing my recent credit report, I noticed discrepancies that do not align with my financial behavior. I have no knowledge of the accounts mentioned, and I firmly dispute their validity. As a victim of equifax, XXXX and the dark web, I am being impacted with misspellings of my name, fraudulent inquiries, addresses that is causing me issues in keeping my reports and my name credible. Anything I've not authorized, or approved, even what is incorrect is fraudulent with my information being exposed by the Credit Bureaus.
Consumer complaint received 2022-01-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (PA)

This company is attempting to collect a debt that is more than five years old with the original creditor. I would like for this debt collection to stopped and be removed from any of the credit reporting agencies. Also, this was reported incorrectly. This was a voluntary repossession, not involuntary. The vehicle was dropped off at a XXXX dealership in XXXX, TX by my ex.
Consumer complaint received 2015-12-23
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: CAINE & WEINER COMPANY, INC. (RI)

XXXX called at XXXX XXXX saying only following- '' my Name is XXXX call me back as soon as possible at XXXX XXXX XXXX XXXX XXXX regarding personal business. 
No other information. I looked number up and says is a debt collector
Consumer complaint received 2023-08-02
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. (CA)

This Name is incorrect please delete : XXXX XXXX XXXX I'll never live in the following addresses it is incorrect please deleteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Delete all the unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection is not mine I'm a victim of Identity theft please delete : XXXX XXXX XXXX {$100.00} XX/XX/XXXX
Consumer complaint received 2023-08-02
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)

I took out a XXXX Credit Card in XXXX of XXXX as I was at the time a frequent shopper looking to rebuild credit to obtain a newer vehicle and home down the line. Things went exceptionally well with having this credit card until the gaps of employment from XXXX of XXXX to XX/XX/XXXX in which the latter resulted in me losing my home, my vehicle, without financial assistance as I am estranged and disowned by EVERYONE in my life for personal reasons. I was also denied unemployment due to previous reasons of not reporting new employment ( which was relayed that I had never been in that position of having to do so for years as I had maintained stable employment until XXXX of XXXX ), and I tried EVERYTHING in my power to avoid this situation. I explained to them SEVERAL TIMES that I was not in a position to pay at the time, however when I started to get back on my feet, I paid what I could and in XXXX of XXXX the account was INCORRECTLY charged-off because an incompetent employee WHO DID NOT DO THEIR JOB in WHICH THEY CONTINOUSLY DENY AND DENY TIME AFTER TIME. I made a plan to pay the account in full as opposed to a XXXX payment plan which would have been tedious as I am currently homeless without a vehicle, I sometimes sleep in abandoned buildings for air-conditioning and a warm shower. I also sleep on the streets and motels when the city provides vouchers for stays. I was in a six-year XXXX XXXX in which I am a victim of XXXX XXXX, I have had my teeth broken, XXXX XXXX, had to take unpaid XXXX leave from a part-time that was barely paying the bills to begin with, I was also diagnosed with XXXX which limits my food choices that results in me NOT eating most days and in spite of the mentioned circumstances I managed to catch up on my bills including pay this account off IN FULL W/O a settlement plan. I complained to the XXXX SEVERAL TIMES ON THEM AND THEY STILL DO NOT ADMIT TO ANY WRONGDOING!!! ADDITIONALLY, THEY DID NOT PROPERLY VERIFY XXXX  IN TERMS OF MY ACCOUNT, THEY KNEW I WAS EVICTED AND I COULD NOT RECIEVE ANY MAIL AT ALL ALONG WITH BEING PROHIBITED FROM BEING ON THE PROPERTY AFTER MY EVICTION. THE LANDLORD WROTE ME LETTER STATING THAT I WAS NOT ALLOWED ON THE PROPERTY NOR COULD MAIL COME W/O PRIOR APPROVAL SO THEREFORE I NEVER RECEIVED A LICK OF XXXX VERIFICATION FROM THESE UNEDUCATED STUPID REPRESENTATIVES WHO LACK EVEN ONE XXXX  BRAIN CELL AND NEED TO LEARN RESPECT ALONG WITH LACK OF EMPATHY!!! I PROVIDED THEM WITH HARDSHIP DOCUMENTATION AND ALL THEY COULD SAY WAS " SORRY TO HEAR THAT '' IF THEY WERE XXXX SORRY THEY WOULD HAVE HONORED MY REQUEST!!!! I AM TRYING TO GET A PLACE TO LIVE AS I AM SICK OF LIVING ON THE STREETS, LIVING MY LIFE, NOT HAVING A VEHICLE, FRIENDS, A HUSBAND WITH A FAMILY, ETC. THESE PEOPLE NEED TO FIX THIS XXXX XXXX  IMMEDIATELY!!! ALSO, THEY ALSO KNEW THAT I WAS EVICTED AND I DO NOT LIVE THERE!!!! Document passwords : Target # XXXX & XXXX # XXXX
Consumer complaint received 2023-08-02
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. (MI)

I am writing to dispute the inclusion of an account on my Equifax credit report that I believe is fraudulent and to assert that I have no ownership or original contract agreement associated with this account. I have reviewed my credit report obtained from your bureau and discovered the following account : Creditor Name : XXXXXXXX XXXX  Account Number : N/A I would like to clearly state that I have never entered into any contractual agreement with the mentioned creditor nor taken out any account with them. The information provided is incorrect and does not pertain to me in any way. I have conducted a thorough review of my records and have found no evidence of any association with this creditor or account. 

Considering the lack of ownership and original contract agreement, I request that you conduct a comprehensive investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). I kindly ask you to take the following actions : 1. Verify the accuracy of the information associated with the disputed account.

2. Provide me with any documentation or evidence that substantiates the existence of a valid contract or agreement.

3. Remove the fraudulent account from my credit report as it is tarnishing my credit history and causing unnecessary harm.

I would also like to request that you provide me with a written response detailing the results of your investigation, the actions taken to resolve this issue, and an updated copy of my credit report reflecting the removal of the fraudulent account.

Additionally, I have taken the liberty of attaching supporting documents that further demonstrate my lack of ownership or association with the disputed account. These documents include [ documents, such as identification documents, proof of residence, insurance bill, police report, FTC report
Consumer complaint received 2021-05-19
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. (NJ)

I DID NOT CONSENT TO AUTHORIZE ANY OF THE ATTATCHED INQUIRIES THAT HAS BEEN ILLEGALLY FURNISHED ON MY CONSUMER REPORT IN VIOLATION OF 15 USC 1681(c)(1)(A).
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (PA)

I have an account from XXXX XXXX XXXX opened XX/XX/2022 is showing inaccurate information on my XXXX credit report. Please update correct information under 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account reporting inaccurate information is keeping my credit profile stagnant.
Consumer complaint received 2022-01-05
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. (GA)

On XX/XX/2021, I submitted a dispute to Experian dealing with the following accounts asking for the original signed contract. I never received anything back within the 30 day period. I then sent in another 30 Day Demand letter asking for the original contract again. I still have not heard anything. Under the FCRA, failure to hear anything back within a 30 day time period, should be an automatic deletion. Furthermore, being that I have received no validation or verification should also result in an automatic deletion!! XXXX XXXX : XXXX XX/XX/XXXX : XXXX XXXX : XXXX : XXXX
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (KY)

I deposited a check from my insurance company for short term XXXX, Principal Life in the amount of {$2200.00} less {$100.00} = {$2200.00} on XXXX XXXX, 2015 in my checking account at Branch Banking and Trust, aka BB & T in Kentucky. They are delaying/holding my deposit for XXXX days, they said because I overdrew my account in the past XXXX months. I went to the ATM with my ATM/XXXX card and it allowed me to withdrawal money, but BB & T charged me {$36.00} for each ATM/XXXX withdrawal. How can this be legal?
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (CA)

I am in the process of selling my home. I have reached out to my mortgage lender multiple times to better understand my mortgage terms. I've called three different times and have received different answers. To validate terms in writing, I was given an email. I have emailed them four times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. I am simple trying to understand if my loan is assumable. 

Lender : Ally Financial Email : XXXX XXXX
Consumer complaint received 2023-08-02
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. (GA)

I totaled a car in XX/XX/XXXX, which was secured by a loan with XXXX XXXX XXXX XXXX. XXXX insurance paid the value of the car. The GAP insurance plan was supposed to cover the rest. Apparently the loan was never paid in full and resulted in a charge off on my credit report. Now in XXXX I find that the debt has been re-aged stating date of last payment was XX/XX/XXXX. I have not made a payment since XX/XX/XXXX. I contacted XXXX & they stated that they gave me credit for a warranty on XX/XX/XXXX. This is illegal re-aging. In my dispute to the credit bureau I asked that they ask XXXX to provide proof of my last payment & they did not.
Consumer complaint received 2021-03-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (FL)

I applied for a mortgage loan with academy mortgage with XXXX XXXX on XXXX XXXX. I have been in contact with the lender quite often up until I finished uploading all my documents. I have reached out to the lender via text and through the website but havent received a response regarding the loan estimate. I havent received anything officially in the mail. I was given a good cost sheet via email on XXXX XXXX. It has become very difficult to contact my lender and their team since going under contract. Im afraid they have my personal information now and I dont know what is going on. I was also told to sign something that didnt have the accurate information on it. I declined signing it until it was updated. I still have not received the updates version.