davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
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. (NY)

Equifax has been reporting erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

The complaint is about an unauthorized wire transfer from my checking account at Citibank that went through. 

- on XX/XX/22, I received an email stating that I added a payee to my list of payees on my accounts at Citibank. Then it was followed by several emails stating that wire transfers have be submitted to that payee from my checking account. One of the wire transfers of {$7500.00} was approved. Other wire transfers of {$50000.00}, {$14000.00} and {$7500.00} were cancelled by the bank. These were from my checking account ending in XXXX. ( now deactivated ) - Once I saw the emails, I immediately called the bank. While I was waiting to get hold of someone, Citibank also was trying to call me. So finally I was able to speak with the bank and confirmed the fraud. They told me that one of the transfers went through and the amount was {$7500.00}. I was told that I need to complete and submit an Affidavit of unauthorized wire transfer/ - The name of person who hacked the account is XXXX XXXX XXXX The money was wired to a XXXX XXXX account ending in XXXX. 
- The Affidavit was sent and received on XX/XX/22. I was given a case number : XXXX - on XX/XX/22 Citibank informed XXXX bank of the fraud - XXXX XX/XX/22 Citibank received a message from XXXX XXXX confirming that the money was credited to the hacker - on XX/XX/22 XXXX XXXX stated the hacker 's account is closed and the money could be accessed or retrieved and they are unable to return the money to Citibank. 

During all that time, I have been in contact with Citibank nearly on a weekly basis, checking the status of the investigation and why it is taking so long and why I haven't gotten my money back. The only answers I get is that it takes 30 to 60 days to complete the investigation and at the end of 60 days I will receive a letter about the results of the investigation. They never would tell me if they will credit back the money or not. 
- last call made to Citibank was on XX/XX/22 after more than 60 days have passed. I was given a new case # XXXX which was apparently created on XX/XX/22. I was told that the investigation is still ongoing and they have no updates. I was told that there is a delay but they could not tell me the reason of the delay. When I asked for a timeline to finalized the investigation ( since they exceeded the 60 days period ), they were not able to give me one. 
- Here I am, now 70 days after the initial fraud, without any answer from Citibank and without the stolen money credited back at least temporarily.
Consumer complaint received 2019-03-29
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. (LA)

I have two violations on my credit report. One is a duplicate entry and the other is a coding violation. For the duplicate : XXXX is reporting XXXX separate line items for the same account ( for the XXXX XXXX ).  These accounts have the same opening date, partial account number and balance. ( Please see pages 9 and 10 of the attached credit report. ) This double entry is harming my credit score. Only one account should be reflected on my credit report. 

Transunion is reporting incorrectly that I am 120 days past due on the XXXX - ( partial account numbers are listed in the spreadsheet attached this complaint ). ( Please also reference pages 9 AND 10 of  the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-03-29
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. (GA)

I have contacted Experian several times in the effort to get the XXXX XXXX account removed from my credit file. This is account was opened fraudulently and I need your assistance in getting this account removed from my Experian credit report.
Consumer complaint received 2022-09-29
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. (FL)

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidential information under 15 USC 1681. 

DEPT OF ED/XXXX-Account Number : XXXX DEPT OF ED/XXXX Account Number XXXX XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A. states i have the right to privacy. 
15 U.S.C 1681 Section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (UT)

On XX/XX/2020 Capital Accounts add a derogatory mark ( Collection/Late payment ) on my credit report per XXXX  Credit report. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. In fact, I have never even lived at the address that was sent in collection. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Capital Accounts has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2019-03-29
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. (NY)

I have wrote disputes to equifax and XXXX to advise them with proof I was a victim of identity theft ( police report, FTC complaints and all personal info of mine ) that I am a victim of identity theft and that the fraudulent items I circled are not mine and to remove them according to the fcra 605b they are to do so immediately as they are not mine and are fraudulent. Both XXXX and equifax has refused to follow said laws and left said items in my reports refusing my numerous disputes to the company over the past 2 plus years. I want these companies held accountable as my credit has suffered I have been refused employment and insurance due to these companies negligence. I eant items removed immediately and I am retaining an attorney to file criminal charges in court if this is not removed at once.
Consumer complaint received 2020-05-22
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. (CA)

I've disputed these student loans for months. These are not my accounts an effecting my credit worthiness. Equifax has been the only Bureaus who's removed most of them. Please assist me in getting this resolved. I was referred to this site as the last resort to bot getting thing fixed.
Consumer complaint received 2023-06-02
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (OR)

Citibank accepted a full mortgage modification package from me XX/XX/XXXX. As I have been dealing with my wife 's serious illness, I had no choice but to submit for a modification. Citibank  has never requested updated financials, and outright denied my application for modification without a written description of any problems. There should be no problem as my income is well within debt to income ratios. Then suddenly, I got served with a foreclosure action that was dated XX/XX/XXXX. This is a true violation of the amended version of the Fair Debt Collection Practices Act of XX/XX/XXXX. I had to file an answer to defend myself against the foreclosure action, and then suddenly Citibank sold the mortgage servicing rights to XXXX XXXX XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. Citibank filed an illegal foreclosure action, as my mortgage is owned in a securitized trust. I have submitted two qualified written requests and to this date Citibank has refused to show the true ownership of my mortgage. Having not listed the true owner of the note VOIDS the foreclosure action. Citibank must show attachment on servicing and the right to foreclose. I will be submitting a request for a full investigation with the Federal Deposit Insurance Corporation, as these types of illegal activities must be stopped by national banks. The CFPB recently fined Citibank and its subsidiaries for this type of illegal foreclosure actions. I demand the foreclosure be ceased immediately by the succeeding mortgage servicer and for my modification package to be transferred and given full consideration. This situation is a mess caused by a horrible banking operation called Citibank. The American banking system is better than this and should show it with the American public.
Consumer complaint received 2019-03-28
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. (FL)

XXXX XXXX reported wrong information to Equifax credit bureau. After more than year they still only respond that they have reported the account correctly even when I have sent paper information on the contrary. I am sending once again an inquire for them to correct this issue which is damaging my credit score extensively and I've been denied for a refinancing of this loan due to the wrong reporting. CFPB needs to intervene on this issue since this issue is damaging my prospects and my business. I have only asked them to correct their wrong information with paper to show the truth. They still report the wrong information to Equifax and say they are doing everything correct as if just a letter without a signature with an actual employee. In this case they say they act legally without anybody signing and being responsable for the response.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

On today 's date, XX/XX/2019 i have made my second phone call to Equifax regarding existing dispute remarks. 

For security purposes, I was asked " what is the month an year when you'd last time you received information from Equifax? '' This question was asked to me today by both a representative as well as her supervisor. 

I called a month or two ago, and was asked the same question. My answer is " Its been a few years, can you ask me another question for security verification? '' I was told that these questions are automatically generated, so if i do not know the answer, I can not be helped. 

This is a silly question and my credit specialist agrees. 

This is preventing me from buying a home loan and I need to have dispute remarks removed from my credit report immediately. 

With that, I did request information and dispute remark removal 10-15 business days ago, and I have not heard back. I do not know what more I can do.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (MI)

In XX/XX/XXXX I ordered XXXX & XXXX XXXX  internet and XXXX XXXX bundle. XXXX XXXX was installed but no one ever came to install internet. after 2 days i was told XXXX XXXX   wasnt available in my area and i couldnt get the bundle discount XXXX  canclled my entire account including XXXX XXXX  and got internet and cable from a local providr. in XXXX of XXXX i discovered a negative mark on my credit score from an XXXX XXXX XXXX debt collection i knew of. i gave spent the last 2 months calling and emailing Franklin collection agency and XXXX XXXX XXXX for info. They said I owe XXXX dollars for DSL internet. i have asked both XXXX XXXX XXXX and Franklin collections for proof of internet service provided by XXXX XXXX XXXX. a bill, a copy of a contract, a service agreement, ANYTHING to show why they have billed me. I have recieved nothing. I have spent dozens of hours on the phone with Franklin and XXXX XXXX XXXX and constantly get transfered, told to call other numbers, told to call the collection agency because XXXX XXXX XXXX doesnt have the debt anymore and has bo record of it and the collection agency tells me i have to call XXXX XXXX XXXX to get the details of the bill. no one has helped me. i have copies of emails i sent, requests for documentation, phone records, names and id numbers of representatives I have spoken to and I have no answers from anyone but they will not discarge the debt or provide any billing info. At no time has employee from XXXX XXXX XXXX internet service entered my home or property to install or set up any internet service or equipment. at no time has any employee from ANY internet service provider associated with or representative of XXXX XXXX XXXX entered my property to install any intermet service or imternet service equipment and I affirm that I have never at any time had XXXX XXXX XXXX service installed or activated in my name. these charges are fraudulent and XXXX XXXX XXXX and Franklin services are using abusive and evasive practices to perpeutuate these fraudulent collections. i need asistance desperately.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-03-28
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. (UT)

XXXX XXXX recently reported to the 3 credit bureaus that our Home Equity Loan had multiple late payments. This has prevented the automatic underwriting process from being able to qualify us for a new mortgage. We presented evidence from our checking accounts that each and every month during the period where the late payments were claimed were in fact made. We submitted the evidence and the response from XXXX XXXX was a 200 page  document dump that did not relate to the Home Equity account, but a credit account which is closed. XXXX XXXX indicated in their letter and document dump that they had reviewed the account and had made the correct reporting of derogatory information. This response is not factually or legally correct. 

The company we are working with to secure a mortgage have reached out to XXXX, XXXX, Experian/XXXX and they have received the evidence and have refused to make the requested changes as well.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Over the past several months I have tried to use XXXX XXXX  XXXX and I have tried to use myEquifax to unlock and lock my credit report. Each time I login, a message is displayed saying that the service is temporarily unavailable. 

I have contacted Equifax repeatedly about this problem, and each time I have been told that a system security update is being performed and that I must call back. I have been told that this issue has been escalated to technical support, but it has not yet been resolved. I want to access XXXX XXXX  XXXX and myEquifax so that I can unlock and lock my credit report.
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC (WA)

This company is claiming i owe XXXX when i returned all the equipment to them. I have written them and spoken to them in the past before they send out a dunning letter, but they still claim i owe them money. They have no responded back to a letter i sent to them and they did not send back any of the information i have asked for.
Consumer complaint received 2019-03-29
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. (TX)

First I want to say that for the last year and a half I have been calling the reporting agency asking to dispute these 3 accounts. Their representatives kept denying that the accounts were even showing on my credit file from their end. I didn't have access to a complete credit report because the online portal kept telling me that the information I provided was incorrect. All the while these accounts were showing on XXXX XXXX. 

So either they were previously deleted and now are allowed back on my file or the representatives lied to me. Either one would be a direct violation of the credit reporting act. 

The reporting agency just recently send me an update that the information was verified and valid. The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. 

I have called this original creditor company several times informing them that I was a part of several government and Equifax data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. 

This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. I have never lived in Florida, so this is very concerning. I even supplied my lease in the state of Texas for the time this debt was made. 

I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me.
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I have an unverified account from LVNV Funding, LLC. I had previously disputed this account. I have never done business with LVNV Funding, LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LVNV Funding, LLC provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LVNV Funding, LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.