davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each XXXX are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020XXXX XXXX  results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from XXXX XXXX ONLY.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I opened an online savings account with Marcus by Goldman Sachs XXXX and deposited $ XXXX. They dropped their XXXX and I attempted to move my money to my XXXX XXXX account. I was later notified by XXXX XXXX that the transfer was cancelled. When I sent to log onto my XXXX account, it said my account was locked and that I had to call XXXX to get it unlocked. I called the number the morning of XX/XX/20 and after waiting on hold for XXXX minutes, finally spoke to a person named XXXX. I asked that my account be unlocked and he said he would not. He said I needed to get on a conference call with one of their specialists and someone from XXXX XXXX. I told him to forget about the transfer and that I wanted immediate access to my money. XXXX refused. I asked for his last name and XXXX refused. XXXX would not unlock my account. I then asked to speak with XXXX 's supervisor. I was again placed on hold for more than 10 minutes. I eventually spoke with XXXX supervisor XXXX. I asked XXXX to unlock my account. He too refused. I asked for XXXX last name or his identification number and he also refused. I asked for his phone number and XXXX refused. I asked to speak to his supervisor. XXXX said his boss is a XXXX XXXX XXXX but that I would not be able to speak to him. Currently, my account is locked and I do not have access to my $ XXXX and I have no way of directly communicating with XXXX or XXXX or anyone else at XXXX XXXX.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NH)

I applied for a refinancing of my mortgage with Quicken Loans. Quicken Loans provided some but not all of the terms of the loan. Quicken Loans collected a {$500.00} deposit to cover the appraisal at the time that the terms were provided orally over the phone ( not in writing ). The appraisal was completed on XX/XX/2020. The total cost of refinancing was not fully disclosed to me until I received the Loan Estimate on XX/XX/2020. The Loan Estimate revealed that the principal balance of my mortgage would be increased by {$18000.00} as a result of the fees charged by Quicken Loans and that I would be charged PMI, all of which was also not previously disclosed to me. As the terms of the loan were completely unacceptable I terminated my application with Quicken Loans. Because I was deceived regarding the terms of the loan I demanded a refund of the {$500.00} deposit. My request was denied by email dated XX/XX/2020. The representative who denied the request was XXXX XXXX ( XXXX ) XXXX. 

The failure to disclose all of the terms until after the appraisal was clearly a tactic on the part of Quicken Loans to pressure me into accepting the loan terms. By terminating the application, I forfeited the {$500.00} which would have been rolled into the mortgage had I completed the process. This is a criminal organization seeking to take advantage of consumers at a time when many are suffering severe economic hardship.
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX  XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK (MA)

I signed up for the City National Bank Crystal Infinite Visa in early XX/XX/XXXX. I attempted to close my card on XX/XX/XXXX before the annual fee for the following year posted. I had to call in, and the representative warned me that if the fee already posted to my account they would not refund it. The fee had not yet posted though, so I asked to immediately close my card. City National Bank did not immediately close my card though. They held it open for over a week, charged me the {$400.00} annual fee, then closed it around XX/XX/XXXX. 

Since I had to pay the annual fee anyway, I asked to reopen the card for the second year, but they would not do that either. I've called both the credit card team and my " relationship banker '' several times and have not yet received a resolution. 

I've attached my XXXX statement, which shows it closed on XX/XX/XXXX, the date I called in to close my account. I believe CNB behaved deceptively by holding my account open for an extra week to charge me the non-refundable annual fee. 

Additionally, I tried to change my mailing address on three separate occasions and they never complied leading to all of my statements being sent to a previous address. I'm not even confident they will send a refund check to the right address at this point.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EMBRACE HOME LOANS (NJ)

We received a direct marketing advertisement for refinancing our existing home mortgage to their company and estimated savings of {$1800.00} with the small print signifying that taxes and insurance are not included in the payment estimation. Im educated enough to know that more than that amount of my monthly mortgage payment is associated with taxes and insurance, but worry that the average consumer is not as knowledgeable.
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NY)

I was the victim of a fraudulent charge incurred through PayPal on a purchase from XXXX. An individual obtained my PayPal information and placed two orders through XXXX. I reported the fraud immediately, and PayPal allowed the transactions to go through. They paid for the merchandise, have since acknowledged on several phone calls that the transactions were fraudulent, and have required me to contact my banking institution to issue me a credit so I may pay PayPal for their error. I have since obtained the credit for the amount in question and was ready to pay PayPal, however suddenly my balance owed to them jumped by over 100.00 with no explanation and I can not reach anyone on the phone to resolve the issue due to the covid pandemic. PayPal has an outgoing message when you contact their customer service line that states their office is closed due to covid with no information on when it will be open. I have no recourse at this point to talk to anyone about remediation of the previous charge that I was prepared to pay, or the current additional charge that is now present on my account that is now there with 0 explanation. As a result, I am unable to remove any of my payment methods currently on file with them, and if my account is infiltrated again I am now unable to have my financial information protected. PayPal has not only held me accountable for purchases that I have not made which they have already acknowledged, but they also are negligent both protecting my finances as well as allowing me to protect myself. This is truly unacceptable. They are now saying I owe them more than 250.00.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I received an email from Paypal letting me know I was being mailed a debit card to provide instant access to my Paypal account. As I almost never use Paypal, I assumed this was a scam and quickly dismissed the email. Two days ago, on XX/XX/XXXX, I received a follow up email letting me know that they had just mailed me a card. Angry, and confused, I researched online and found that others, dating back to 2019 have complained about this same issue. Not once did I give any sort of confirmation, or even hint, that this was something I was interested in. I am disgusted, and scared, that a company can open a debit card line in my name, opening myself up to fraud and potential hacking. I reached out first by phone, but their complaint department is closed due to Covid, so followed up online where all I was directed to was a mailing address for their legal headquarters in XXXX XXXX. I am writing this message in hopes others aren't targeted by this and potentially change how ever it is that they are allowed to do this, which I feel should be illegal.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (GA)

ON XXXX received an alert from XXXX stating that Enhanced Recovery added a collection onto my account the same account that was dispute listed above they are continuing to add the account on my credit file when I have advised them that I was not the party who is responsible for the account due to identity theft and yet they are continuing calling harassing and trying to force me to pay for something that does not belong to me, please remove the account from my XXXX credit report and find the person responsible for the debt Results Report Number : XXXX Date Generated : XX/XX/2019 XXXX XXXX XXXX  XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
XXXX XXXX | View your Report | View your credit score Deleted
Consumer complaint received 2020-05-14
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: 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 2020-05-14
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: EQUIFAX, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (FL)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries, I have contacted the Creditors and they have No Evidence of Credit with them .Enclosed is a copy of my Identity Theft Report supporting my position.
Consumer complaint received 2020-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (TX)

My husband and I purchased a queen size bed from Conn 's Furniture store in XXXX, TX in XXXX. The bed was financed through XXXX XXXX. We tried repeatedly to have Conn 's take the furniture back but they would not accept the bed. We worked on a settlement agreement and we paid the settlement and kept the bed. I checked my credit report in XXXX and discovered XXXX XXXX  reported the bed as a profit and loss in XXXX. I have tried contacting Conn 's Furniture store in XXXX, TX and they quit using XXXX XXXX  as their financier in XXXX. I have contacted XXXX XXXX  on multiple occasions in the past month to resolve this account, however they keep telling me that they only are showing an invoice on the bed we purchased but no other information is available. They are refusing to help me settle this account and I just want to get the dispute off of my credit report. I have disputed the charge on all three credit bureaus, however the dispute was investigated but it says I owe the money. I would like to get this settled, but XXXX XXXX  can't find any information showing what I owe.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX XXXX {$58.00} XXXX XXXX  XXXX {$950.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$260.00} XXXX   XXXX {$130.00}
Consumer complaint received 2019-12-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

XXXX  and XXXX has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CT)

Applied for a modification in XX/XX/2020 with Mr. Cooper due to a Hardship ( XXXX XXXX ) the set back my financial obligations. They denied my Modification due to a slight increase in payment by {$10.00} on XX/XX/XXXX I filed an appeal in the XX/XX/XXXX and they said they would respond no later the XX/XX/XXXX. I received a denial letter of the appeal on XX/XX/XXXX and called to make two month payment on the XX/XX/XXXX ... the representative said I needed to make 3 payments. I said I can not do that until the XX/XX/XXXX ... She said said I could make 3 payments on the XX/XX/XXXX. They said to call back on XX/XX/XXXX to make the 3 payments. When I called back on XX/XX/XXXX they said its in foreclosure status and you need to the resolve with the Attorney and pay the full amount. 

The rug was pulled from under my nose ... I've never experienced this in my life ... when I had the payment and told the representative on XX/XX/XXXX they said I can not pay anything at this time to wait for the Attorney letter. WOW????? I thought I had plenty of time when they sent a letter of the appeal they would respond no later then XX/XX/XXXX.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (MA)

Hi. On the XXXX  of every month I receive XXXX benefits.On XX/XX/2020, someone took XXXX dollars out of my U.S . DIRECT Express debit card.I am still upset over it. I contacted them and, gave me the runaround.I have no idea how they did it.Please help me.Thank You.
Consumer complaint received 2020-02-28
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: CITIBANK, N.A. (GA)

I previously had not been able to get into and finally today I see where with citi did I misunderstood that it had been closed with the dispute? I am still in process of receiving this previous statement of owing {$190.00}. XXXX for a purchase on XX/XX/20 ( {$98.00} XXXX and XX/XX/20 ( {$98.00} XXXX totaling the {$190.00}. Would this company not acknowledge since I am disputing charges and had stated repeatedly that no purchases would I make again until I had a XXXX balance of them correcting charges that was done WITHOUT MY PERMISSION. I received this bill on XX/XX/20. They had me sign a sheet stating that the account would be closed to protect it from further fraudulent activity on XX/XX/20 but yet another charge was on the XXXX?. Not one charge is being disputed but 9 at the moment. Excuse me 10 because yesterday I received yet another package in mailbox, I left it in box, wrote refused as I have done with all the others and mailman picked it up today. So please advise Citi to do as they stated they would!!!! I have only received two letters stating dispute has been opened one for {$100.00} and the other {$98.00} ... ... I need confirmation of all thru mail, please. I am looking forward to having a XXXX balance and closing this card permanently. This started in XXXX and its now XXXX ... ..I am indebted to your Bureau for helping me. This has been a struggle for them to get involved when I am a customer that usually pays the entire bill for each statement unless I have a balance transfer. I am never late and I only want HONESTY!!!! I am so ready to close this folder of all my letters to them unanswered until YOU ... ... I thank you!!!! Have a great weekend!!! Thanks again so very very much!!!! XXXX XXXX XXXX
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX  XXXX XXXX XXXX  # XXXX is reporting an account to my credit that is past the Statute of Limitations in Utah . I no longer legally owe this debt and I need it removed off of my credit report.
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: U.S. BANCORP (OR)

An agent from XXXX XXXX  call my place of work ( XXXX XXXX ) and threatened me with being served for my warrant for arrest and jail, wage garnishment, property seizure, etc. if I don't pay them over {$4000.00} for a debt on a credit card I ( never had ) back in 2010 with US Bank. I never had a credit card with US Bank, only a checking account that was closed due to no activity. Their phone number is XXXX and their case number on me is # XXXX. I unfortunately and unknowingly acknowledged my year of my birth, and my last four digits of my SSN over the phone with them.
Consumer complaint received 2019-11-13
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: First Investors Servicing Corporation, Atlanta, GA Branch (PA)

First invest placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.