davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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: BARCLAYS BANK DELAWARE (HI)

BARCLAYS BANK DELAWARE, XXXX XXXX XXXX, XXXX [ DE ] XXXX. 
To Whom it May Concern This letter is a formal complaint that you have reported inaccurate, unverified, unproven and untrue credit Information to the credit bureaus. 
Federal laws require furnisher 's of Information to report accurate credit Information to the Credit bureaus and in this case you have failed to do so. Every step must be taken to assure the Information reported is completely accurate, proven verified and correct. 
I have been disputing the below account for the last 8 Months, and never ever have I received any proof from you regarding this alleged debt below : BARCLAYS BANK DELAWARE Account number XXXX UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE. INCORRECT ACCOUNT NUMBER<NOT A CREDIT CARD NUMBER. 
This inaccurate Information must be deleted from my credit file immediately, please contact the credit agencies you have reported it to and remove this misleading information from my credit file, because I never received a copy of any contract from your Company bearing my personal signature, and because the Address you are reporting associated with this account does not match any of my personal addresses on my credit report. 
I reserve the right to sue your Company for violations of my Consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 
Kind regards, XXXX XXXX XXXX
Consumer complaint received 2022-08-22
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. (MO)

I have been disputing for the correction of the erroneous accounts on my Credit report and it is clear that the Credit Bureaus have never even conducted a proper investigation on my Credit Report and have kept insisting that the disputed accounts were NEVER ERROENOUS ansd HAVE BEEN UPDATED. This is just nonsense since every month I have been checking for updates with my Credit Report and it is clear that they have done nothing! Under the FCRA section 609 and 611, the Credit Reporting Agencies are required to verify the accounts disputed by the consumer and provide copies of documents as verfication that the information reported are true. None if this were done by the Credit Bureaus and have been insisting that the information they report are true. I have reached the limit of my patience, if the Credit Bureaus can not correct the disputed accounts, it is better for them to delete the disputed accounts from my Credit File. Under the provivions of the FCRA, I need the following accounts DELETED, if they can not correct, from my Credit report XXXX XXXX XXXX  XXXX Balance Owed : {$570.00} XXXX/DOFED XXXX Balance Owed : {$1300.00} XXXX/DOFED XXXX Balance Owed : {$4000.00} XXXX/DOFED XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-22
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. (MO)

This is just ridiculous! I have been requesting for the removal of the disputed accounts and information from my Credit Report and it is clear that the Credit Bureaus have become negligent and incompetent of my requests as well as their responsibility with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft after 4 business days of the day of receipt of the letter. The fist letters I sent was dated XX/XX/2022 with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. The last letter I sent was dated XX/XX/2022 with the same attachments. But despite all the attachments, letters, and CFPB Complaints I do, it is clear that the Credit Bureaus have never paid attention to my disputes and have kept stalling the removal of the disputed items. Under the provisions of the FCRA section 605, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is just ridiculous! I have been requesting for the removal of the disputed accounts and information from my Credit Report and it is clear that the Credit Bureaus have become negligent and incompetent of my requests as well as their responsibility with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft after 4 business days of the day of receipt of the letter. The fist letters I sent was dated XX/XX/2022 with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. The last letter I sent was dated XX/XX/2022 with the same attachments. But despite all the attachments, letters, and CFPB Complaints I do, it is clear that the Credit Bureaus have never paid attention to my disputes and have kept stalling the removal of the disputed items. Under the provisions of the FCRA section 605, I need the following items deleted as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

I had contact CHIME on XX/XX/XXXX to open a dispute regarding a purchase that i made with XXXX  XXXX. I never received my package. XXXX XXXX dont want to give me a refund back. CHIME took over a month and half to just tell me they denied my dispute. Every time I contact them they tell me the same thing that they need evidence of my package no been delivered and to also email it to there support email. I did it already, they still choice to no help me get my issue solve. I provide them all the evidence they could need, I even have video of prove from my front door that my package was never deliver to me to my address. I work to hard for my money for them to let a merchant scam me.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had done nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my File. I have been sending countless letters appealing to Transunion to verify the disputed items and remove them if unable to prove that the Items are mine. In fact, I have sent them my FTC complaint report and my Police Report which I filed on my local Police Department just to prove that I have been a victim of Identity Theft and the items I am disputing do not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. Once again, I am urging Transunion to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXX  XXXX Date Opened XX/XX/2018 XXXX {$0.00}
Consumer complaint received 2022-04-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I sent my statement to CEO XXXX XXXX of the Bank of America Corporation ( BAC ) with facts and documents supporting credit card fraud perpetrated by individuals ' unauthorized use. CEO did not respond to my statement to date. 
Due to ongoing renovation, I only asked my son to buy items we need from XXXX XXXX and XXXX. I never authorized anyone else to use my card. From XX/XX/XXXX, my son was trying to buy a table but could not. On XX/XX/XXXX, I went in person to meet with local BAC staff. They told me that my card was blocked due to a suspicious transaction for {$180.00}. I told them that I would ask my son and call them back. On the same day I called them. No one was there. I tried on XX/XX/XXXX and XX/XX/XXXX and there was no one to talk to. On XX/XX/XXXX, I reported the fraudulent charges to BAC staff by dates and amounts. They asked me not to pay the charges. On XX/XX/XXXX, I noticed a balance due of {$3600.00} on my card. I reported more fraudulent charges to BAC staff. I asked them to cancel my card and not to issue any BAC card because of the aggravation it caused. On XX/XX/XXXX, a new credit card was generated by BAC without my knowledge or consent. On XX/XX/XXXX, BAC reposted the fraudulent charges to the new card. I never asked BAC for a new card and I never received it. I have been a victim of identity theft and the police are aware of that. When I showed them the BAC documents I received, they indicated that BAC should resolve the problems they created. When I asked them to investigate, they asked me to come back when BAC identified the perpetrators of identity theft. Local BAC staff were aware of my identity theft and the temporary lifting of the security freeze from the three major credit bureaus to enable them to process BAC credit card which I received in XXXX, XXXX. BAC never sent me the identity of the perpetrators of fraud. Instead, they reported me as delinquent to 3 major credit bureaus and one in XXXX, XXXX, to ruin my credit history for no fault of me. I always paid BAC the charges incurred and they continue to charge interest and penalties on their new card. I am not liable for fraudulent charges. I sent them my driver 's license, utility bill, etc. They never responded.
Consumer complaint received 2022-08-22
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had done nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my File. I have been sending countless letters appealing to Equifax to verify the disputed items and remove them if unable to prove that the Items are mine. In fact, I have sent them my FTC complaint report and my Police Report which I filed on my local Police Department just to prove that I have been a victim of Identity Theft and the items I am disputing do not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Equifax about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. Once again, I am urging Equifax to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$65.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00},
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (FL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-09-03
Product: Credit 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. (IA)

I disputed is a charge by merchant XXXX XXXX  that appeared on my Citibank credit card. I was given a partial refund in the amount of {$1200.00} which is lower the disputed transaction amount of {$3.00}, XXXX charged on XX/XX/. 

This disputed charge was for a one-person reservation for a vacation that I made initially before modifying it. That reservation was replaced two days later on XX/XX/XXXX   with a two person reservation ( the previous person and a significant other ). The itinerary, hotel booking, duration of stay, etc., remained the same. A {$4800.00} charge was made for the new booking and it appears on the credit card statement. I gladly paid for the later charge but I shouldn't have to pay another amount for the same service because it appears on another reservation in the merchant 's system. 

Only a portion of the funds were refunded and what was basically done was they charged me two times for the same service. I have asked that the balance of {$2200.00} that they retained be refunded but they have failed to. Instead they recently billed me for it indicating that to be the resolution to my dispute. This eerily borders on fraud. 

Thank you for your consideration of this matter. 
Respectfully, XXXX.
Consumer complaint received 2022-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MA)

Roundpoint Mortgage staff made a mistake to my mortgage for a year. They purchased two home insurance policies for me. One was from XXXX XXXX XXXX represented by XXXX XXXX ; the other one was from XXXX represented by XXXX under XXXX who reached out to me through Roundpoint. 

I had home insurance with XXXX XXXX during the period of XXXX. On XX/XX/XXXX, after reviewing the XXXX insurance policy emailed to me by Roundpoint & XXXX, I replied that Ill renew my home insurance with XXXX. ( Please see the 1st attached PDF file of this email tread ) I also called the office of XXXX XXXX to cancel my policy with XXXX XXXX. They asked me to send a written statement by email. So I did. On XX/XX/2021, I submitted a written cancellation request when the new XXXX XXXX XXXX XXXX reached out to me. I didnt answer all the sales questions and traps because that was what they had been doing to me already for a few weeks. ( Please see the 2nd attached PDF file of this email thread ). It was clear that my written request was received by the Client Manager at XXXX XXXX. 

However, after I submitted my requests for cancelation, on XX/XX/2021, Massachusetts Property still sent out a bill of {$1900.00} to Roundpoint for the coming term of XXXX. To make the situation even worse, Roundpoint paid this bill without sending me any notice. A few days later, on XX/XX/2021, Roundpoint purchased another insurance for me from XXXX and noticed that I had new home insurance with XXXX. From then on, all I could see was that I only had one insurance company with XXXX. However, I noticed the increased monthly payments and finally found out I had two insurance policies. Unfortunately, this mistake had been with my mortgage for a year. 

Regardless of all the stresses and worries, I hereby request the return of {$1900.00} to me. I would be very appreciative for all the help from your customer service professionals. Thank you!
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

RE : American Express Dishonest Customer Representatives I had been a card member of American Express since XXXX, and I had been asked to upgrade my membership but I did not want it because a new fee was {$250.00} instead of {$160.00} per year. 
On XX/XX/XXXX, XXXX XXXX from American Express told me that if I upgrade my membership and spend {$1000.00} for the first month, I would get XXXX point ( {$250.00} cash value ), and the fees would be prorated and I would be able to go back to my old membership if I want. 
However, cash value of XXXX point was only {$120.00} and when I tried to go back to my old membership sometime in XXXX, they told me that it was no longer available. Then, I realized that I had been deceived by XXXX XXXX. Then, I decided to cancel the entire membership but whenever I call them, they did not let me close my account, so it took very long to close my account, so I was charged fees for nothing by American Express. 

When I spoke to XXXX XXXX for hours to close my account on XX/XX/XXXX, finally he accepted to close my account and told me that I would get a refund of half of my membership fee ( $ XXXX {$120.00} ) within a month, but I have never received it. However, I have found that my refund was not processed at all when I called American Express on XX/XX/XXXX. I do believe that I was deceived by American Express. 

Could you please have American Express to pay me back my membership fee of {$120.00}? I have no outstanding bill, so I am entitled to get a refund. 

Thank you very much, XXXX XXXX
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )
Consumer complaint received 2022-04-17
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. (CA)

My complaint is, a few months ago I went to check out options of buying another car, & the dealership I went to, ran my credit NUMEROUS times. ( XXXX XXXX XXXX in XXXX, CA XXXX ) On different occasions & days I werent even in the dealership. Checking credit ONCE is useful enough to see a citizens financial background & what they qualify for. NUMEROUS times is outrageous & unfair since these inquiries ARE NOT soft. They sit on the credit for years & weigh it down. Ive spoken to them beforehand when I noticed multiple inquires on my credit when checking Experian, and all they told me was we have to keep checking to see if can offer you a deal. It was extremely unprofessional and not informative in any way because clearly my credit is going to remain the same OR DROP each time you do a HARD inquiry on it. It was completely unnecessary and they shouldve let me be aware because I clearly wouldnt have stayed for business. This is the only dealership thats ran my credit way too many unneeded times.
Consumer complaint received 2022-08-22
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. (DC)

I am XXXX XXXX XXXX who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX XXXXBalance : {$2300.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$3600.00} U S DEPT OF ED/XXXX XXXXBalance : {$5700.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$5300.00}
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The credit bureaus have incorrectly labeled me or my credit disputes as fraudulent. It has been almost 3 months with no communication from the credit bureaus on the disputes that were submitted 3 months ago. 

Additionally, I have an excellent credit history which is not being reflecting in my credit score. I have been making timely payments to XXXXXXXX XXXX for several months now, with no updates to my credit score in the last 3 months.