davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OH)

To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICES was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623,  subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA . Also PHOENIX FINANCIAL SERVICES has in fact re-aged an account the doesnt even belong to me. They failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation. PHOENIX FINANCIAL SERVICES is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where PHOENIX FINANCIAL SERVICES is in compliance with OHIO LAW. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. PHOENIX FINANCIAL SERVICES. has not even tried to contact me regarding this ACCOUNT.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My wife XXXX XXXX XXXX and I entered a settlement agreement with XXXX XXXX to pay a settlement of {$1500.00} for deletion. We made a payment in XX/XX/2020 of {$500.00} and completed the payment with a payment of {$1000.00} on XX/XX/2020 and received the deletion letter and payment receipt. The credit bureau has removed it from my wife 's credit profile but it still remains on my credit profile although it has exceeded the 30 day limit now approaching 60 days with no deletion. This is clearly a violation of my FCRA and FDCPA rights with their refusal to remove this derogatory joint debt. We have contacted the credit bureau multiple times and no action has been taken.
Consumer complaint received 2020-10-27
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. (IL)

On or around XX/XX/2020 around XXXX XXXX CDT I contacted XXXX  XXXX to inform them the attached account number ( XXXX ) as an account unknown to exist to me had a statement reach my home address via US Mail and had my name listed as the account holder.

XXXX XXXX through the course of a two hour phone call and several transfers between departments came to realize that the account in question ( attached statement ) did not have my social security number associated to it. Instead it seemed to be another member of my household 's account as their social security number was associated to it. I was told on the phone that I was not responsible for the account and that I should instruct the member of the household to pay said account. I was also told that I would not be responsible legally or on my credit report for the delinquency of the accoun
t.

On XX/XX/XXXX I became aware that my Experian credit report was showing a serious delinquency on the account in question despite not being associated in XXXX XXXX 's system as under my social security number.
Consumer complaint received 2019-03-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My original loan amount with XXXX should be {$190000.00}. I contacted XXXX and they sent me a copy of my note showing {$190000.00} as original loan amount with a cover letter. I sent copy of note and cover letter to experian. They will not correct the original loan amount to {$190000.00}. I have been trying to get experian to correct this error for a while now but they refuse. XXXX and I agree ( see note and cover ltr )
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a bank of America cc, which never had a late payment and had just been paid off on XX/XX/. The following day, the card was closed without notice and without consent. Today, XX/XX/, a statement was generated stating I owe money ( which I do not ) and that the " available spending limit '' ( meaning, as per my statement, the account is active ). I have called several times and Bank of America refuses to correct the " amount owed '' ( I do not own anything ), and they have been dishonest stating they " sent me a notice '' ( all notices are online, that's how I see my statement, and there are no other notices ). Didn't they just get into trouble for this? If the fines they have been ordered to pay do not teach them to handle business legally, why are they still in business at all?
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I purchased a copy of my credit report last year in XXXX of XXXX  where i noticed some fraudelent accounts that I did not apply for .. i have attempted to reach out to XXXX, XXXX, and XXXX with mutiple dispute letters and each time they have failed to properly investigate and have not provided me with any of the proof i have requested and continue to report these accounts as verified with out properly investigating I have also filed a police report
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX, ga XXXX XXXX XXXX Dear Equifax, XXXX, XXXX : This is a XXXX that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXXXXXX XXXX on XXXX XXXX, XXXX under the account number XXXX XXXX XXXXXXXX XXXX  An personal loan opened aXXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-02-02
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. (VA)

The accounts listed are not my account nor did I give permission to the creditor to open the accounts on my behalf. When some of the accounts were opened I was very young and weren't using or applying for credit. I've disputed the accounts a couple times requesting validation which I haven't received as of yet.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

I received a SBA Economic Injury Disaster Loan despoit in the amount of {$18000.00} on XX/XX/2020. On XX/XX/2020 Citibank froze my personal bank account stating that my loan was fraudulent because it was a personal account not a business account. Since Im a XXXX XXXXXXXX I was not aware that I needed a business account. I was also told that my account would be closed and any due will be returned in the form of a check within 60 days. Citibank has not returned thr funds or released any funds and it has over 60 days. They also are refusing to communicate with me on the phone as well as in the branch. 
I also contacted the department of treasury about this issue and they have confirmed that money has not been returned to them and they illegally hold my funds that Im entitled to.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

US Department of Education is incorrectly adding information to my credit reports. It states on my credit reports that my accounts are discharged when in fact theyre not. I sent them letters to the two addresses that were provided on the document they sent me letting them know of the paid in full letter. The letters were send back to me from the post office stating undeliverable on both addresses. This is fraudulent and these accounts needs to be deleted immediately.
Consumer complaint received 2022-08-26
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: HW Holding, Inc (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has been violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX, XXXX XXXX {$1500.00} is the amount owed. 



XXXX, XXXX XXXX XXXX, XXXX {$1200.00} is the amount owed. 



XXXX XXXX, XXXX XXXX. XXXX, XXXX {$2900.00} is the amount owed
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (WI)

My Ally car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - Ally reports updated information to XXXX, XXXX  and XXXX  changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how Ally is reporting different late payments to XXXX  and XXXX. Please help me to have all late payments removed from my credit reports.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

My mother and I share a joint checking account to pay her expenses through Bank of America. Account # XXXX. On XX/XX/2022 an unauthorized charge was made for {$0.00}. On XX/XX/2022 an unauthorized ACH was taken from the account for {$7000.00}. 
I reviewed the account on XX/XX/2022 and went into the XXXX XXXX XXXX Branch and filed an affidavit and complaint and froze the account. I was told that a credit would be issued no later than 10 business days for the unauthorized amount. Several days later a credit of {$0.00} was credited to the account. I then called on XX/XX/2022 ( after the 10th business day ) and was told that it was still under investigation and a credit should have been issued but wasn't due to the dollar amount involved in the complaint. 
I have not been contacted by Bank except for me contacting them. They do not seem to be doing a proper investigation into the matter. 
My mother passed away on XX/XX/2022 and the money was supposed to be used to pay her final expenses.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I refinanced my old mortgage with Wells Fargo with XXXX in XX/XX/XXXX. 

The closing was on XX/XX/XXXX. The payoff amount of approx. $ XXXX was supposed to be sent to Wells Fargo by XXXX on XX/XX/XXXX. 

Something failed with XXXX and their Title company XXXX. The payoff was only sent on XX/XX/XXXX, and received by Wells Fargo at XXXXXXXX XXXX CST, after the cutoff period required by Wells Fargo for same date value. 

Therefore Wells Fargo continued to charge me interest on the mortgage through XX/XX/XXXX and only posted the payoff on XX/XX/XXXX. 

At the same time, XXXX also charged me mortgage interest for the period of 7 days from XX/XX/XXXX through XX/XX/XXXX. 

Essentially, I paid mortgage interest to 2 banks, for an overlapping period of 7 days for the same property due to failure of XXXX to timely wire payoff funds. 

Despite repeated outreach to XXXX, they persist in denying any accountability for the delay and only compensated me for 1 day of interest, of the total period of 7 days. 

Wells Fargo contends that their payoff statement to XXXX required receipt of funds before XXXX XXXX CST for same day value. 

Due to this, I am caught between two large organizations, each denying any accountability. I request CFPB to please investigate and require one of the banks to make me whole for the overlapping mortgage interest period from XXXX XXXX-XXXX XXXX, both days inclusive.
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: Experian Information Solutions Inc. (FL)

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 aren't 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. 

09 XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-01-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

CitiBank contacted me from XXXX today at XXXX and : *failed to mention it was CitiBank & *failed tXXXX mention the call was being recorded I advised the agent as such and having asked for a supervisor, alerted him to the remissed advice the call was being recorded. 
Supervisor ended the call.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NY)

Chase Sapphire offers Extended Warranty protection. 

I filled a protection for my cell phone purchased on XX/XX/XXXX. The manufacturer warranty expired 1 year later, around XX/XX/XXXX. 

In XX/XX/XXXX the phone started having issues with charging and screen going off and on. 

I contacted XXXX, they confirmed the warranty expired on XX/XX/XXXX ( actually later than I expected ), and there is no service centers - the only available option now is a full replacement. 

I filled the claim on XX/XX/XXXX and attached all required documentation, including XXXX 's document informing the above. On XX/XX/XXXX I also sent an email customer service at XXXX asking how to proceed. This specific email was never answered. 

On XX/XX/XXXX, I received a reply to my claim, asking for a diagnostic from an authorized repair center. Note that I had already submitted the information that there are no authorized repair centers, information provided by XXXX. XXXX even provided a reference number for this information : XXXX. 

On this same day, I wrote to the official customer service email at XXXX, stating that it was already attached that there are no service centers. Once again, as usual, no reply has been received. On XX/XX/XXXX, I wrote again asking for a reply and again, as usual, no reply has been received. 
In all occasions that I sent email asking for assistance, I receive an automated message saying I'll receive a reply in 5 days. It never happened. 

On XX/XX/XXXX, I finally received a reply. The reply simply stated I need to attach a device diagnostic from an authorized repair center. I replied again with the information that there is no authorized repair center, XXXX doesn't offer that according to them. 
It's already XX/XX/XXXX end of the day, and as usual, no reply has been sent.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

my account have been close since XXXX since then have not get my funds from them and i did get an email from them saying my funds have send back to sba i call sba and they did tell me they have not received any money yet i dont know what to do anymore because i have a loan with sba that as interest on it pls help me thank you
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX I had a dispute with my former employer regarding an overpayment of wages. I had been injured on the job, however my employer denied my worker 's compensation claim. The injury occurred in XX/XX/XXXX and I was using my sick time. When all of my sick time was exhausted my supervisor reported my time incorrectly and I was overpaid {$3200.00}. I emailed my Payroll department to make payments arrangements however I did not receive a response. In XX/XX/XXXX I decided to retire and I thought payment would be taken out of my pension check ... however that did not happen. Instead my account was turned over to a collection agency ... 
( XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX - ( XXXX ) XXXX X XXXX ) When I spoke with collections agency ... the representative stated if I paid the whole account off, it would not be reflected on my credit report. I checked my credit report and I see that this account will not be removed from my credit report until XX/XX/XXXX. I have called numerous time however the only information I have received from XXXX   is my account # XXXX. Therefore your attention to this matter will be appreciated.