davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX  )
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CLGF Holdco 1, LLC (MO)

I have been repeatedly contacted by a XXXX XXXX on behalf of a Milestone Mastercard account that I have been trying to dispute. My brother did a lot of fraud and identity theft on family members, I'm not sure this debt is mine and have asked for confirmation in the past. I never get it, and they stop chasing me a while. I moved almost two years ago. I was contacted today saying that they have sent legal documents for proceedings against me. I told the person that I haven't lived at the address they were sent to for some time. I get bumped up to what I am told is a legal case XXXX, who proceeds to tell me that she refuses to allow me to contest the debt as she is already in legal proceedings against me over such. We wind up in an insult match where she tells me that she will have me in court and take money from me regardless. This is heated, unscrupulous behavior. This agency knows full well that I have attempted to refute this debt on every occasion they have contacted me, and now that they know I have not received the filings sent to me are still trying to pursue this debt I ask to contest. 
I need immediate assistance please.
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (PA)

SEQUIUM ASSET SOLUTION has flagged your account as XXXX on XX/XX/2022 with XXXX Credit Reporting for an account with XXXX XXXX. I have never had or had applied for an account with XXXX XXXX, therefore this is an account that was established through fraud and identity theft. I am currently disputing this through XXXX and have contacted the XXXX XXXX XXXX and filed a police report for identity theft ( Report # XXXX, filed by XXXX XXXX on XX/XX/2022 ).
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TX)

I have done a chargeback on an airline due to covid-19, after waiting around 60 days I get the notification that I have been awarded the dispute. So they return me the money and now I had a negative balance of around {$6000.00}, on XX/XX/XXXX at XXXX XXXX I contacted with XXXX asking if they could transfer me the money to my checking 's amount and I told them if they could transfer {$5000.00} back to my account. He told me he would do that and I waited. Again I messaged them on XX/XX/2020 if they could transfer me a balance of now of {$4000.00} since the negative balance had gone lower than {$5000.00}. XXXX told me that it would take 2 to 3 days, I waited and once again I haven't received my transfer. I again contacted citi support on XX/XX/XXXX with XXXX telling him that I have tried 3 times and it's almost been a month and they haven't transferred my negative balance to my checking 's account. He said he would take care of it and wait for 3 and 5 days for the transaction to be completed. It's now XX/XX/XXXX and I haven't received anything. I just want my negative {$4000.00} back to my checking 's account without being told to wait and nothing ever happening
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

I purchased a home XX/XX/2019, flood insurance was not required. Now the mortgage company Umpqua is requiring flood insurance. I contact a flood company and they say it is not required. I sent ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) the FEMA LOMA which classifies the property as zone c, not required. They have now added {$4800.00} in flood to my escrow account bring the balance negative. 

Please help me, I am fearful of loosing my home.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2020 I paid my Bank of America credit card in full using their online banking application. There were three choices to make a payment : 1 ) XXXX statement balance ; 2 ) Current balance ; and 3 ) other balance. I paid the current balance in full before the due date which was XX/XX/2020. To my surprise I noticed on my XXXX XXXX that there was still a {$20.00} balance due on XX/XX/2020. I looked and it seemed to be interest charged on purchases from the close of my XXXX XXXX to XX/XX/XXXX. ( I would like to point out that there were no new purchases since XXXX, 2020 ). When I chose to payoff my current balance there was no indication that there could be a residual interest charge on my next statement. If I did not notice via XXXX XXXX I would have thought my card was at a {$0.00} balance and not made a payment in XXXX which would have in turn cost me a late fee and negative impact on my credit. Thankfully I caught it-but when I called and complained the service rep said she could not reverse it and also that BOA did not have a complaint department. I feel that this is deceptive practices in order to generate fees. The Service Rep also  stated that I should always call for a payoff quote. This was no where indicated on the online banking page!!! There was no warning or flag to tell the consumer that there could be more interest on the next statement balance. I would like an investigation to see if they are properly warning the consumer about interest rollevers and also if this is clearly stated in their disclosures.
Consumer complaint received 2022-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency (CA)

I received a bill from XXXX XXXX for sum of XXXX. I would like to file for identity theft. I was not the patient at the time service. I have a full time job and live in a different county.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All 3 credit bureaus are listing another XXXX  XXXX debt on my reports I've already paid it through a collection company named the bureaus but because the bureaus know its illegal to buy a debit and come after me for it they listed another one on the credit bureaus as coming from XXXX  XXXX but the address and phone number to contact is the bureaus because I called the number and that's who answered so their either trying to make me pay it again or just putting a bogus one on the credit bureaus. I never had two XXXX  XXXX cards, this is just becoming a nightmare I'm trying to clean up my credit so I can purchase a home and it seems like for every step forward they make me take two steps back.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/2020 at XXXX XXXX, I received an email from Citibank confirming upcoming travel ( attached ). At about XXXX XXXX, I notified the fraud line that I was NOT traveling and had not reported that I was traveling. The specialist then told me that someone had charged {$2500.00} at XXXX in XXXX, MD using a card with a number that I had not activated. Citi then closed the account ( see attached ). 

Five minutes later, another Citi Fraud Specialist called on my landline ( in XXXX ) asking whether I had just complained about Citi 's refusal to allow a {$5000.00} Home Depot charge. I told him that I had not called him and was delighted to be able to quash the charge. 

The thief had been able to call Citi using my cell phone number because they had my SIM card installed in their phone in a XXXX, MD XXXX store at XXXX XXXX. A XXXX Fraud Rep identified the person who did it as " XXXX '' ( see attached ). This enable them to answer the account verification calls I would otherwise have received and elude detection. During this time, I had no cell service. 

I thereafter contacted the XXXX County Sheriff 's Office reporting XXXX as a possible suspect and tried to report the crime to the XXXX Fraud Department and my local precinct, which refused to take the report without a " Letter of Affidavit '' from Citi. However, Citi 's Security Department said that such a letter could not be issued because the XXXX charges were in dispute and the police would have to contact Citibank 's Law Enforcement Department at XXXX. I sent this information to the law enforcement officers with whom I had spoken. 

Last week, I received a bill showing {$2500.00} in charges at XXXX and {$5000.00} in charges at Home Depot, despite closing the account, rejecting the pending charge and being told that it was stopped. 

By letter dated XX/XX/XXXX, Citibank has deemed me responsible for the fraudulent charges, including the Home Depot charge.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX, XXXX XXXX XXXXXXXX with older son to open XXXX to XXXX XXXX statement from TD BankXXXX The amount on this credit card was over {$4000.00}. I knew this was trouble because I did not make those charges. I went to a branch of TDBank the very next day to dispute these charges, XXXX XXXX I called Customer service on back of credit card. No results that day. XXXX XXXX called customer service again. Nice woman wenr through charges with me XXXX by XXXX. Told me it was fraud and switched me to Fraud. A woman from Fraud quickly looked at charges and said she had to switch to Dispute I waited for a reply but nothing. I kept on paying monthly payments because XXXX was my total. Adding Fraud {$2700.00} to account. 
TDBank kept sending new cards. My original card # XXXX, new caes # XXXX, another card I never received # XXXX People were still charging in XXXX. In the coming months no action from bank was taken. I went to another branch where the branch manager tried to help. TDBank gave me credit for XXXX charges but never considered original fraud. Called customer service they simply won '' t aswer. This is affecting my well being
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (VA)

a few months back, my identity was stolen and several accounts was opened using my information. 

I did not consent to these accounts being opened. 

Please help me with resolving this situation. I tried resolving it with the collectors and creditors but nothing has been done.
Consumer complaint received 2020-07-16
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. (AR)

I RECEIVED A COUPLE OF BILLS IN THE MAIL STATING THAT INEED TO MAKE A PAYMENT FOR A LOAN. I DONT OWE A LOAN, I DONT HAVE ANY LOAN UNDER MYB NAME. THEN I CALLED XXXX XXXX MY INFORMATION HAD BEEN USED TO OPEN THIS ACCOUNT. I GOT A COPY OF MY CREDIT REPORT AND SAW TWO BANKRUPTCIES AND A COUPLE OF INQUIRIES. ACOUPLE OF OTHER FRAUDULENT ACCOUNTS THAT ARE NOT MINE. I HAVE NEVER SEEN THESE ITEMS IN MY LIFE. PLEASE REMOVE THESE ITEMS FROM MY REPORT. THANK YOU
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

KIMBALL TIREY ST JOHN, account number XXXX XXXX have wrongfully placed a collection account on my XXXX XXXX XXXX XXXX  credit bureau files.I am not legally or in any way responsible for this debt.KIMBALL ... is collecting for XXXX XXXX apartments. 
I am familiar with this company because I signed a 2 year lease which was in XXXX to help my newly divorced daughter get started.Many subsequent leases were signed by my daughter at this location and that is the nature of this collection from XXXX. 
I am only legally obligated on the original 2 year lease which ended approximately 10 years ago.All real estate contracts must be in writing and I never signed any lease subsequent to the original two year lease.My credit is damaged by this error or fraud of the collection agency.
Consumer complaint received 2023-01-09
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. (NV)

I called XXXX/Experian/XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw there's still an UNVERIFIABLE item on my personal profile I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts ' late payments must be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My name is XXXX XXXX. I am the court-appointed Trustee of the XXXX XXXX XXXX XXXX. The Trust owns a single family residence located at XXXX XXXX XXXX, XXXX, CA XXXX. There is a XXXX mortgage on the property serviced by LoanCare in the amount of {$130000.00}. The loan number is XXXX. 

The Trustor, XXXX XXXX, died in XX/XX/XXXX. LoanCare has had all of my information for many months, and it has been sending monthly mortgage statements to my office, and I have been paying all amounts due during that course of time. I have attempted on numerous occasions over the past week to obtain a payoff statement on the account, because the property is set to close on XX/XX/XXXX. I have provided a copy of the Trustor 's Death Certificate, as well as a copy of the Court Order appointing me as Trustee of the Trust. Despite these efforts, LoanCare refuses to provide me with a payoff statement. I have advised LoanCare that there is a chance escrow will fall through if they do not provide me with a payoff statement. 

Please help. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. XXXX XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (UT)

I lived in the a XXXX XXXX XXXX  with some room mates from end of XX/XX/XXXX- XX/XX/XXXX. I was signed off of the lease on XX/XX/XXXX. A few months after I moved out the remaining people living there were evicted and even though I was not living there or legally responsible for the apartment There is an open collections account from IQ international for {$4600.00}. I have already filed a dispute with XXXX  and XXXX. XXXX  has removed the account from their report however, XXXX  is saying the information is correct even though I have the document showing I was signed off of the lease on XX/XX/XXXX
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act US BKPT CT XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, U.S. Bankruptcy Court # 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
Consumer complaint received 2020-06-24
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)

XXXX XXXX XXXX should not be reporting a collection/chargoff in the amount of {$12000.00} to XXXX ; XXXX and Transunion on the XXXX XXXX CRED partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This same account is also reporting as a Judgment with XXXX XXXX XXXX XXXX partial Docket # XXXX. ( Please see page attached from my credit report. ) First, this account was sold to XXXX a collection agency. This account can not be reporting multiple times since it has gone to collections and a Judgment was granted. This is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting the same account multiple times is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am a loyal Bank of America customer of almost 10 years. My rent check of {$1900.00} was stolen in XXXX. I filed a claim and it was confirmed on the same phone call that someone with a different name and bank account got a hold of my check, and deposited it somewhere in Florida. Over three months go by and I receive zero updates and communication regarding my claim. On XX/XX/2020 my debit card declined at XXXX while trying to get groceries during Covid-19. I immediately panicked and checked my checking statement. I came to find out that Bank of America denied my claim of my stolen rent check and withdrew {$1900.00} from my account. After hours of being on hold, I managed to reach a Rep. who advised me to " check my spam '' for communication. Apparently communication was never sent to my physical address and they denied the claim due to not receiving any correspondence from me. Per my last phone call I was told that my claim would be reopened, and that I would receive a phone call by Fraud Department Analysts after their meeting. Over an hour went by and I never received that call. I called again, this time to be told that there is no documentation of my previous conversation with the Rep. who reopened my claim and that the Fraud Analysts would not call me. My bank account is now negative during a global pandemic.
Consumer complaint received 2023-01-09
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. (NV)

I called XXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw there's still an UNVERIFIABLE item on my personal profile I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts ' late payments must be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-03
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. (IA)

I sent a notarized Affidavit to Equifax via certified mail and have not been notified that a investigation has been started and or is in process.