davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TN)

My name was added as a joint account holder on a Macy 's department store credit card without my knowledge or consent. The customer service department would not allow me to remove my name or add personal information such as phone number and address because I am not the primary account holder. I was told to speak with the fraud department. I contacted the fraud department and they initiated a report and told me an investigation would take 2-3 billing cycles. The account is delinquent and has impacted my credit score negatively. I have no account access and have never had a credit card sent to me and I have never made any purchases with this account. I was told today that the balance is {$2600.00}, the amount due is {$340.00} with a due date of XX/XX/ which includes a past due amount of {$200.00} and that the last payment posted on XX/XX/XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting 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. (PA)

I asked XXXX XXXX and XXXX to delete the fraudulent inquires on my credit report but it has not been done. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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  Collection : XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX amount : {$610.00}
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-11
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: Global Lending Services LLC (CA)

XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-08-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Identity theft occurred in another state that I have never been to in my entire life. My items were stolen and because I did not use my bank card for a while, i didnt notice it was missing until I received fraudulent charges. I informed Bank of America of this but an unproductive investigation was conducted. No one compared signatures and it is my sworn oath this is stolen identity which has happen before in XXXX  i filed with internal revenue services for stolen identity. My credit reports are on alert for fraud and IRS has been on alert for stolen identity for years. This situation with Bank of America is stolen identity!!!!
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (CA)

Hello, We have refinanced our condos from ditech to XXXX. Our taxes for the condos were withheld monthly and out in an escrow account at ditech. The amount is XXXX in our account. 

During the refinancing XXXX  and ditech were supposed to move over this amount or reimburse us. 

None of that happened. Ditech sold all their loans to XXXX  XXXX and now I cant get hold of anyone. 

We sent a letter to ditech 15 days ago with XXXX  and didnt hear back.
Consumer complaint received 2020-05-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CA)

I send follow letter to Westlake Financial Dear Sirs ; Last XXXX / XXXX2020, I spoke with 2 customer service agents, and nobody supported me in my request, the first person hung up on me, Agent XXXX XXXX, and the second character, I don't even remember the name, by the way he does not speak Spanish very well, he was a man who informed me emphatically that they CAN NOT HELP ME. 

This day ( XX/XX/26-2020 ) I spoke again, to request help, in the sense of the EXTENSION OF 2 MONTHS of payment of my credit, I have been without a job since last XX/XX/2020, to date ( COVID-19 ) I have been punctual with my payments, but I am like a good percentage of the world population, with financial problems due to lack of income. 

So in the most attentive way, I ask you to approve the extension request, so that the lack of payment does not affect my credit record. otherwise I will find myself in the painful situation of stopping paying the credit and going to whoever is competent to denounce the lack of support from Westlake Financial. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is NOT a duplicate claim. This is a claim in reference to claim XXXX with more information and attachments. I was advised by one of your phone agents to resubmit this claim. 

I had a promotional rate on the balance transfers I made to my Bank of America credit card and had set up automatic recurring payments. Everything was fine until the promotional rate expired in XX/XX/XXXX. At that time, my minimum payment went up. Nobody from Bank of America attempted to call me, email me, nor did their app send me any notification that my scheduled payment was not going to be enough to meet the minimum balance. The only way I discovered something was wrong was when I received a letter via the US Postal Service that my credit line had been decreased from {$11000.00} to {$9500.00} because I was late with a payment. It was then that I discovered that I was inadvertently late with the full payment due on the account and I was also charged a late fee. I called Bank of America to talk about what happened. I made the full payment due with the same representative that very moment. After I had made my payment, I requested that my credit limit be increased to the amount it was prior to the {$11000.00} that I had previously. A week later, I received a letter that they had denied my request for a credit line increase and gave a reason that my account was still past due. The denial letter was dated the same day as my call and payment. The attached statement shows the payment was made on XX/XX/XXXX, which was the same date. However, as I noted above, it was not past due when I made the request. I paid the amount due before the request was submitted by the representative. Because I was getting nowhere with Bank of America, I filed a complaint with the CFPB. The company received this complaint and attempted to contact me to verify my identity. I called the company back many times at the number listed in the message to try and get in contact with the agent assigned to my complaint. The agent never picked up his phone when I called even though I called multiple times during different times of day on different days. He never called me back after the voicemail despite how many messages I left for him to return my call. Bank of America then let the complaint age for 60 days before claiming they tried to verify my identity but could not.
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (ND)

I was incarcerated and unaware of the transfer of my BBVA account to PNC. I have no information whatsoever about what happened to my account ( Which had close to {$10000.00} balance ) I've contacted PNC multiple times on this matter ( BBVA Bank Customer Support is practically non-existent and have been unsuccessful in reaching them at all ) PNC only says " We aren't finding you in our system '' and that's it. I'm very frustrated and need help figuring out what happened. I've checked my states Unclaimed Property/Funds gov sites to no avail. 

Please help.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I have been attempting to remove a fraud alert on my credit file from Experian for 60 days, only to be ignored when I call and forward mail that include my credentials such as : Purpose of the request, current utility bill, clear drivers license, and copy of my SS card. In contrast, Experian have not responded to my concerns to date so I can secure a loan from the bank that is essential to my financial future.
Consumer complaint received 2020-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NY)

I sent {$570.00} to my Account in XXXX on XXXX XX/XX/2020 by Remitly. Its not deposited to my account. They dont have any customer service. Customer chat, phone and Email is unavailable. So I cant get any help from Remitly. Transfer XXXX XXXX. Also lots of people complain same problem with Remitly in reviews. Hopefully I will get help from consumer finance. Please take a action about this matter. Thanks
Consumer complaint received 2023-10-19
Product: Credit reporting 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. (NV)

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. As a first step, I would appreciate it if you could provide me with details. information pertaining to the alleged accounts, including any associated. transactions, applications, or account activities. It is crucial that I review this. information to assist in the investigation and help identify any fraudulent activity that may have taken place. Furthermore, I kindly request that you suspend all activity and remove the related. alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. the steps being taken to address this issue. Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. confident that you will manage this matter with the utmost attention it deserves. Should you require any further documentation or information from me, please do not. hesitate to contact me at the phone number or email address provided above. Thank you for your immediate attention to this matter. I eagerly await your response. and a resolution to this concerning issue. XXXX XXXX  did a inquiry on XX/XX/ XXXX XXXX
Consumer complaint received 2023-08-11
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. (NC)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2023-08-14
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. (NC)

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX has furnished a copy of my report to anyone who is a subscriber, without verifying the debt. They issued XXXX credit reports mine to Portfolio Recovery, when Portfolio did not have a debt to report. 

XXXX claims to have investigated XXXX XXXX XXXX, listed in my dispute letter, when XXXX has not responded to date on my dispute of their debt, and written letter sent certified in accordance with FDCPA rules. They ( XXXX ) and XXXX continue to report a debt that neither can validate to this consumer. 

XXXX XXXX.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (AL)

fell behind on car note couple of months ago. Have been paying on time payments to this account for almost two years. I've had my checking account linked to this account for all this time. When I got behind, they said the account was not linked. I reverified the account by them sending text messages and email codes to my devices. Then it says this checking account is already linked but will not allow me to make the payment by not showing the supposed linked checking account. They bill on their website showing XXXX and XXXX is not done and XXXX has not come in misleadingly.
Consumer complaint received 2020-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Today I got a call from this person supposively working for Ace cash express he deposit me money but my account was blocked for fraud so i called and told him i was told it is fraud and i do not want the lend anymore and he told me to pay back I had to pay through Play store gift cards which seems not clear and I asked the lady in the bank and she only adviced me to report this because it is definetly scam, so the guy called me and threatened me with reporting that I dont pay back so i asked him to give me an existing account to pay back well he didnt and I told him to tell me where he was working at and he gave thia adress in XXXX which responds to a restaurant because this company does not serve in XXXX so apparently this is all fraud and when I told him i will be reporting him he told me he was going to send me a sherrif to my house. I do want to return the money if its a real company I just believe giftcards dont seem secure to pay back money at all.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-08-13
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-11
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. (FL)

I submitted a dispute to Equifax on XX/XX/23 on 6 credit inquires. They completed their investigation the same day XX/XX/23 without providing proof or any original documentation. I sent a 2nd written request on XX/XX/23 with no response requesting those inquires be deleted. 

EQUIFAX is clearly in violation of federal Law to provide a copy of the original creditors documentation on file to verify that this information is mine & correct. In the results of your first investigation, you stated in writing that " The information you disputed has been received. The results are INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. 

Who verified these accounts? Equifax have NOT provided me a copy of ANY original documentation required under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and Section 611 ( 5 ) ( A ) of the FCRA- you are REQUIRED to " promptly DELETE all information which can not be verified ''. 

I