davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
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: EQUIFAX, INC. (FL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (UT)

I am livid with Citibank. 
Many times they have lost my payments sent in by my usual checking account for my cc account ending XXXX. 
To stop payment on a normal checking account it is $ XXXX/check. 
They have no locations near here either. 
I have before done a payment by auto pay and it didn't go through!!! 
Therefore, I have been using money orders, as it is {$1.00} for a check reissue, and sending those in as payments ; and even before the charges come through. 
Any logical person would do the same right!?!?!? 

XXXX XX/XX/2020 I received a call from XXXX at XXXX from XXXX FL XXXX. She accused me of illegal wrong doing since I use money orders. And that Federal Guidelines state that I can't pay more than $ XXXX a day ; which I have NEVER done. Then she wanted to know more about me. I was insulted beyond compare. 
She didn't care, and was the rudest person you could ever find. I refused to answer anymore of her questions. 

I was so upset I called in to Citibank XXXX XXXX spoke with XXXX XXXX Missouri XXXX She said she couldn't help me and transferred me to XXXX in Customer Service Support in FL. 

I explained to XXXX how horrified I was by the call. I am an excellent customer who pays in advance with hard working money, made legally. I told him that I am a XXXX and run XXXX business which are all reported and claimed under my taxes which are filed and paid on time too! 

I want this person fired today. No customer should be treated this way in any manner. 

I am waiting for the charges to go through, then I will cancel my card. 
How in God 's name can you treat someone like this! 

I am reserving the right to sue you for emotional damage and harassment over this!
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (WA)

My mother ( XXXX XXXX ) passed away on XX/XX/XXXX in XXXX XXXX. She was temporarily in XXXX and had a permanent address at XXXX XXXX XXXX  XXXX XXXX WA XXXX which is also where I live. 

I have been trying to get her Chase account ( see attached bank statement ) released to me per State of Washington law using the Small Estate Disposition process. I also happen to be the Power of Attorney on this account also. 

I have provided Chase a notarized affidavit for the Small Estate in accordance with State of Washington law XXXX. I have provided them a Report of Death signed by Vice Counsel for the US Embassy in XXXX XXXX. I have attached both of these in my complaint. 

Residency as defined by State of Washington has to meet one of the following : Maintains a residence in Washington for personal use ; Lives in a motor home or vessel which is not permanently attached to any property if the person previously lived in this state and does not have a permanent residence in any other state ; Is registered to vote in this state ; Receives benefits under one of Washington 's public assistance programs ; Has a state professional or business license in this state ; Is attending school in this state and paying tuition as a Washington resident or is a custodial parent with a child attending a public school in this state ; Uses a Washington address for federal or state taxes ; Has a Washington State driver 's license ; or Claims Washington as a residence for obtaining a hunting or fishing license, eligibility to hold public office or for judicial actions. 

My mother met several of the Washington State residency requirements above at the time of her passing. 

I am requesting her bank account is released to me immediately. It is shocking that a large bank such as Chase would not release her funds to her son. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX removed over XXXX  from our business account by mistake we call them and they returned our account, but chase has refused to move the money to our account and said that the process takes 24 hours which its undesirable, but it has taken obverse 5-6 days now and they havent returned our money in to the account and now they are saying that the money will be in our account until XX/XX/XXXX, this is totally outrageous, we are now encouraging in late fees on other accounts because of chase holdings our money so long.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I received harassing calls from XXXX XXXX asking me to contact PayPal for charging amounts using my telephone #. I did opened an account with PayPal and closed it but the business account was opened which I never used or complete. Somehow my information was compromised and given consent by someone to use my account. I did reached out to XXXX XXXX about PayPal and was told PayPal cancelled my claim. I contacted PayPal and was given the runaround as of XX/XX/XXXX. I reopened an account with PayPal hoping I could find out who is using my account. I did download some activities and saw a recent activity by XXXX. I have no ideal about this transaction.
Consumer complaint received 2020-07-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2020-07-25
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I attempted to lift a freeze on my credit. During a phone conversation with an Experian rep., she stated, " Your email does not allow me to ask you questions to verify your identity. '' What is that all about? Why NOT? 

Then she stated, " You lifted a freeze on your account from XX/XX/XXXX to XX/XX/XXXX. I was astonished ... I DID NOT LIFT A FREEZE ON MY ACCOUNT WITH EXPERIAN!!! This company permitted the lifting of a freeze without my consent. And NOW ... I am unable to access MY OWN ACCOUNT! 

I demand that Experian call me immediately. They are preventing me from refinancing my home. 

In addition, I attempted to set up a free member account on line. I received an email to complete setting up the account and that DOES NOT WORK. I have made multiple calls to multiple Experian numbers with no success. See the SIX phone numbers I have called to get some help without success. See the hours of operation listed that are a lie. No one answers. This company is a joke.
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021 I sent money to someone through VENMO in the amount of {$1300.00} that turned out to be fraud. 

Venmo said they could not help and proceeded to pay out the fraud/scammer. They agreed to " investigate '' but in the meantime have done nothing for 2 weeks. Their customer service team passes me to account specialists who pass me back to customer service and " supervisors. '' They have been taking me in circles this whole time. 

I had to call XXXX XXXX  XXXX to block these charges. Meanwhile, my friends on venmo sent me money without knowing about my account investigation. VENMO proceeded to take that money ( {$200.00} XXXX to pay themselves back. Today, Saturday, XX/XX/XXXX, another friend paid me {$50.00} for a birthday collection and VENMO proceeded to steal that from my account, and sent me a bill saying " by the way, you still owe us {$1000.00} from the previous charge '' with no update on the fraud investigation. 

Anything that hurts their bottom dollar they are quick to to chargeback customers, but anything that they may owe goes through weeks of investigation.
Consumer complaint received 2020-07-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (MI)

In XXXX received a VA home loan through United Wholesale Mortgage. In XXXX I attempted to do a refi through the VA but was told by XXXX   XXXX  that the gaurentees were never attached to the VA loan. Again, in XXXX I attempted to do a VA refi and found the guarantee was still on a house at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX because of a assumption of my loan with a non veteran. That loan was refinanced and the guarantees were released. 
XXXX XXXX  for the XXXX home never submitted the refi to the VA and UWM never attempted to place the loan with the VA. 
I was advised to have UWM, the original loan holder on XXXX XXXX XXXX XXXX, Mi. XXXX. This was submitted to UWM on XX/XX/XXXX. I haven't received any updates and my calls to UWM just leads to confusion on the part of UWM. I'm told it is with the research division and I should get an update within 24-48 hours ... it has been 12 days with no update or no one to contact. 
I have been attempting to do this refi for almost 2 months now. This is costing me considerable money due to the current rates in the 2.5 % range and the current mortgage rate is 5.25 %. This should have never happened and I'm feeling as if the mortgage company is trying to avoid correcting their error.
Consumer complaint received 2020-07-24
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. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Around XXXX, XXXX, XXXX, and XXXX of XXXX, I have been trying to dispute the incorrect information from my credit report. I have also sent a big envelope with reporting documents informing them that this account isn't ' mine The documents showed everything that XXXX XXXX had given to ( XXXX XXXX XXXX ) XXXX XXXX had violated my medical rights by sending my XXXX records to this person. I will be sending you all everything that I have and was sent to me and proof I don't own this bill.
Consumer complaint received 2024-10-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I asked synchrony bank/amazon card to remove the late charges applied to my account XXXXXXXX XXXX, because they are involuntary, for some reason there mightve been a error from my bank system rejecting automatic payments but i didnt request at any point in time for stop payments to synchrony amazon my bank advised over the phone to request an investigation in writing, I believe Synchrony didnt perform such investigation I also have automatic payment to synchrony PayPal and I NEVER had the same issue, synchrony refuses to remove late fees, that were applied under involuntary circumstances, instead their employee called me a liar on the phone, I would accept the late fees if I had requested stop payments to Amazon card, I never did put stop payment therefore, I refuse to pay any fees generated by systems errors, again those are involuntary errors. Synchrony bank should have better protection to consumers because at this point they are assuming by denying the fee reversal that I am at fault for the systems failures in the banking system, it should be illegal for a bank to make the CONSUMER liable for legitimate banking transactions errors in their systems, and choose to close accounts, harass and stressfully blame consumers without any thorough investigation and understanding of the facts and practices behind their decisions, when those consumers are at no fault, Im kindly requesting for the reversal of late fees on my account.
Consumer complaint received 2020-09-17
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (LA)

I have a mortgage with US Bank, they have placed a forced flood policy on the house because it was rezoned into a high risk area. The home should be grandfathered into a low risk area. I have sent the paperwork to US Bank multiple times, but they will not acknowledge it. 

I have continued making my monthly payments of XXXX while attempting to resolve the issue with US Bank. US Bank has not applied my payments, and has started making reports of late payments to the credit companies. 

I have asked them to remove the negative reporting and work with me to resolve the issue, they have refused. 

I need help.
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

Since XX/XX/2020 I have been trying to dispute and get late payments from my XXXX XXXX student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied
Consumer complaint received 2021-11-16
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. (MD)

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.

I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.