davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
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. (FL)

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX XXXX/XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (ME)

On Monday, XX/XX/XXXX US BANK/ Reliacard , issued a hold on my Maine unemployment benefits debit card for no specific reason. 
They did not notify me. I found out by attempting a purchase. 
I called and was instructed to fax a copy of my driver 's license, SS card, and W-2 from XXXX. 
I did so on Monday XX/XX/XXXX. 
They claim that it will take 10 to 15 biz days to reactivate my card. 
This is absurd. 
Their manager was until to help expedite. 
I am unable to pay my rent due to this inompetence. They are holding {$2500.00} of my money.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SC)

I am the victim of a fraudster who billed my card for goods and then failed to deliver them. I reported the fraud to the credit card issuer, which made a conditional reversal on or about XX/XX/2020. The fraudster subsequently misrepresented to the credit card issuer that he had -- in fact -- delivered the goods. The credit card issuer reversed the conditional credit on XX/XX/2020 and closed the case. 

I called the credit card issuer on at least three occasions to inform them that the fraudster was also a liar, but was unable to get the credit card issuer to reverse the charge. The credit card issuer misrepresented to me that I would receive a letter in the mail. I never received such a letter. After considerable searching, I discovered a copy of the letter that was allegedly mailed to me on the credit card issuer 's website. I immediately completed the fraud affidavit on XX/XX/2020 and returned it to the credit card issuer. I also mailed a letter to the CEO of the credit card issuer 's parent informing him of the problem and cautioning him that I would file a complete with the CFPB unless the issue was resolved by XX/XX/XXXX. The issue wasn't resolved, and here is my complaint.
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (LA)

RECEIVABLE RECOVERY is reporting a debt I do not owe them to all three credit reporting agencies. I requested documentation to demonstrate that I owed this company. Despite this request and their failure to do so, they have not removed the item from my credit. if this is not removed I will be seeking legal advise.
Consumer complaint received 2020-09-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

To whom it may concern on my credit report I was being told I had applied for a new XXXX XXXX XXXX on XX/XX/2020. I never applied for a XXXX XXXX XXXX on that date as I am perfectly happy with the XXXX XXXX XXXX I already have. The problem here is I had disputed this a few different ways and it won't go and is still showing up as a hard inquiry when this is fraud and never authorized by me. Under the fair credit reporting act 609 to my understanding since they can not prove I applied for card which I didn't they must remove this inaccurate information. When I spoke to XXXX XXXX over a month ago as to what was going on they said that department who handles fraud and applications is not in due to covid. I asked them when they will be back they weren't sure. I had called a few times to resolve this but it has gotten no where.
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PDQ Services, Inc. (GA)

The credit information being reported is NOT accurate : 1, The date of the debt and/or collection is not correct 2. The amount of debt is not correct 3, The debt was incorrectly billed to me without my knowledge or authorization 4. Service was not delivered and/or was defective 5. Billing error - should have billed to insurance 6. Subsequently billed to insurer 7. Subsequently paid by insurer
Consumer complaint received 2020-10-14
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)

This is my second dispute about these fraudulent accounts and inaccurately reported accounts. XXXX XXXX account number XXXX is inaccurately reporting late payments.Its reporting late payments from XXXX, XXXX I HAVE NEVER BEEN LATE WITH THESE PAYMENTS. I also have XXXX XXXX/XXXX XXXX   account number XXXX is a FRADULENT ACCOUNT. I am building credit profile and these inaccurately reported accounts are causing emotional distress for me and my family.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

On XX/XX/2020, a hold was placed on my account and I was unable to access my Chime Bank checking account which contained the majority of my money at the time, nearly 80 %. 

I promptly responded to ask if there is anything I can do to expedite the process. 

On XX/XX/2020, I was asked to provide the following : Provide an explanation and documentation verifying that you are the intended recipient of the pay-friends transfers from : XXXX XXXX Transfer from XXXX XXXX XXXX XXXX XXXX Transfer from XXXX XXXX XXXX. 

I responded saying that I do not know either of those two individuals. They might have sent me money and then reported the transaction as unauthorized. 

Similar to a public SWIFT address, I know that people figured out my Chime Pay Friends Transfer ID and have been sending me money and charging it back or something similar. 

A few weeks later ... 

The response from Chime Bank was Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ). 

I read through the entire Deposit Account Agreement and no such line or article even exists. 

I pointed out that this line doesnt exist in the Chime Deposit Agreement and all I received was an automated message back from the company. 

Said company may also be pocketing commissions from referrals I have been bringing them. I dont know where those are going now.
Consumer complaint received 2020-09-02
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. (NY)

Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called XXXX XXXX that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law.

Please have it remove now in good faith and follow FTC guidelines.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

Ive been Charge with over 12 Overdraft fees since COVID 19. I tried to resolve this matter with the bank but each time I speak with a representative Im being told something different. I became unemployed and it seem as if thats when the bank started to take fees from me.
Consumer complaint received 2019-06-30
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: EQUIFAX, INC. (AZ)

On XX/XX/XXXX, I received an alert that my credit report from Equifax had been pulled by XXXX XXXX. Since my cell phone service is with them, I thought they were just doing a random check. Then i realized that the account is not under my name and they would not have my social security number. I then called XXXX on XX/XX/XXXX and spoke with customer service. They explained that they did not see an account with my Social Security number. I explained about the credit pull and asked to speak with the fraud dept. I was transferred and spoke with someone in the Fraud Dept. When they looked up my information, they stated that they see that an inquiry was pulled and that the realized that the account being opened was fraudulent and that no account was opened. I asked about the credit pull and they stated that a request had already been sent to Equifax to have it removed. 

I then went to the Equifax website and put in a dispute for the credit inquiry under the the reason that I did not authorize the report.. Their confirmation states that it could take up to 30 days for the dispute process. I received a response back within 48 hours stating that they would NOT remove the inquiry as it was a true reflection of a request on my credit. On XX/XX/XXXX I then put in another request to have it removed under the reason of this is a fraudulent inquiry. I again received a response back within 48 hours with the same response that they would NOT remove the inquiry as it was a true reflection of a request on my credit. I then called Equifax and was told the same thing that it was a true reflection of a request on my credit. I can now see that Equifax allows you to put in a dispute for fraudulent activity but denies the claim everytime. They also stated that they have not received and request from XXXX to remove the inquiry. 

I then called XXXX and requested to speak with the fraud dept once again. I was again told that the request had been submitted to Equifax to have the inquiry removed. 

It is now XX/XX/XXXX and the inquiry is still on my credit.
Consumer complaint received 2020-08-26
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$1200.00} XXXX XXXX {$160.00} XXXX XXXX {$64.00} XXXX XXXX XXXX {$8800.00} XXXXE XXXX XXXX {$5000.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I had a back payment of XXXX from VA unemployment, I was laid off in XX/XX/2020. Like many Americans the unemployment office was taking months and weeks to process and approve my unemployment claims. Now Chase Bank has decided to hold all my money and interfere with my unemployment Direct deposits and will not tell me why. I have rent, food to buy for my family. They are holding my money hostage and will not tell me why.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (NC)

DiTech is reporting that payments were made on a personal loan in XXXX and XXXX. 
This loan was closed/charged off by XXXX/GreenTree prior to XXXX. 
No payments were EVER made on this account after XXXX. 
Ditech 's report is fraudulent. 
Totally made up! 
Needs to be removed from report or provide proof of payments made.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (GA)

My mortgage servicer, Arvest Central Mortgage, has charged me a {$10.00} fee for " a fax for a payoff quote '', which I never agreed to. The fee is set arbitrarily and since my mortgage was bought my XXXX XXXX, I never agreed with Arvest Central Mortgage on these fees. What is more concerning, is this " fee '' never appears on my account history or is disclosed anywhere. I feel that this sort of behavior is highly predatory, as Arvest Central Mortgage could pick whatever fee they want and then not disclose it to anyone. What is stopping them for making it {$1000.00} dollars instead of {$10.00}? Why is it not appearing on my account history. I talked to them and told them I am would like the fee waved, but they refused, telling me to call my title company.
Consumer complaint received 2020-09-02
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my year of birth & address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate year of Birth : XXXX I Demand Deletion of all these inaccurate addresses : - XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NY XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 
1. My name is XXXX and should be spelled, FIRST NAME IS XXXX AND LAST NAME IS XXXX 2. My current address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Consumer complaint received 2020-01-22
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: Experian Information Solutions Inc. (NV)

My credit score has been between XXXX and XXXX for over 3 years. I received an email from Experian indicating they had a new feature called " Boost '' that would include regular bills I paid each month ( ie, utilities, telecom ) to boost my credit score even higher. I pay all my utilities and phone bills using autopay each month so my payment history is excellent with all of these. I created an account with Experian ( acct # XXXX ) and gave them my bank account number so they could access the accounts that I paid automatically each month. I was never able to get confirmation that this feature was activated because the Experian website kept freezing every time I tried to activate it. Shortly after I tried to activate this Boost feature I noticed that my credit score went down to XXXX virtually overnight! This made me absolutely FURIOUS! I have tried contacting Experian multiple times by phone and email but have not been able to get a response from anyone. My emails were never responded to and I was never able to speak to a live person on the phone or leave a message. All of the customer service phone numbers I tried ( over 10 of them ) are answered by automated attendants that ask to verify my identity before connecting the call. I have entered my social security number an zip code and have waited on hold for over 1 hour one time and then the call just disconnects. Seems like I am not the only one having a difficult time getting a hold of this company. Customer ratings online are nothing but negative. How can a company that controls such critical and sensitive personal information be so inaccessible to the people that are negatively impacted by the mishandling of this information? My credit score has been severely damaged by my attempt to use this Boost feature and I want it removed immediately! Please let me know how to resolve this issue with this terrible company as soon as possible. Thank you.
Consumer complaint received 2020-09-02
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. (NC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX   XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (VA)

I contacted the XXXX XX/XX/XXXX in reference to an account with Barclays. After the XXXX contacted them I got a call from someone in HR 3 weeks later saying they were working on my complaint and someone would address it in a few more days. I called back several times before I reached someone who saw the notes on the account indicating a settlement offer could be initiated. I was told the settlement offer was {$1100.00} and it could be sent overnight to XXXX XXXX XXXX XXXX DE XXXX. I was pre-approved for my mortgage XX/XX/XXXX. I was told this account was still showing an open balance of {$2500.00}. It was never updated to " balance XXXX, settled for less than the full balance. On XX/XX/XXXX, myself, my lender, and the credit department from my lenders office called on a conference call, and was told the payment was received and I owed nothing. Fast forward to Monday XX/XX/XXXX I called Barclays inquiring about why the debt hasnt been updated on my credit report and I was told because I didnt pay the entire balance. I asked the rep to review the notes on the account, which she did. She came back and apologized after seeing the notes, gave me a reference number XXXX and no explanation as to why 3 months have passed and this has not been updated on my XXXX credit report. They acknowledged the payment had been received and I know it was received because it was sent certified mail. I need it DELETED from my credit report at this point. Calling is a hassle because a person will be transferred 3-4 times before getting to the correct department and the problem still will not be resolved.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX XXXX, recently I had a problem with Citibank. On XX/XX/2020, Citibank froze my account without notice or explanation. When I discussed this with the bank, they said that there was fraud on my account. They told me the investigation timeline is from 30-60 days, but I never received any statement saying this. It is now XX/XX/XXXX, and its been almost two times longer than what they initially said it would take. All my attempts to contact the bank on the phone and in the local branch have been pointless. Each time I call, they transfer me from department to another with no result, and then after a certain amount of time on the phone hey disconnect me. During this difficult time I have to fight the bank, for them to give me my own money back. I am a single mom, and I have a lot of economic problems, and I just don't have the knowledge or time to fight with one of the biggest banks in the U.S. I  can keep calling the bank with no result, but It would be of great help if you can hep me resolve this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number : ( XXXX ) XXXX Citibank Account Number : XXXX
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.