davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
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: LEXISNEXIS (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On this specific account XXXX XXXX  reports " Settled for less. '' Experian reports " legally paid in full for LESS than FULL Balance ''. XXXX  reports payment was only {$340.00}. The account was paid in full with an overpayment of around {$41.00}, so the " settled for less '' and " less than full balance '' from XXXX  and Experian needs to be removed and XXXX  needs to show that the full balance was paid. 

Correspondence Log with XXXX  : XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX XXXX min around XXXX MST XXXX acknowledged payment in FULL, with an overpayment of about {$41.00}, sent me an link to dispute the remarks on my credit report that state the payment was NOT paid in full because the reports state the account was " settled for less '' and " less than full balance. '' Submitted dispute on XXXX or XXXX XX/XX/2021, received email notification to XXXX to XXXX receiving dispute at XXXX XX/XX/2021 at XXXX MST. Ticket ID XXXX Received response of dispute from XXXX  ( XXXX XXXX XXXX stating : " The loan is reporting correctly to the credit bureaus '' and that they " consider this investigation closed '' and " will not respond to further request that are substantially the same as the previous request ( s ) submitted by you or on your behalf '' XXXX XX/XX/2021 Rep : XXXX Call ID XXXX Number called : XXXX 31 min at XXXX MST. I was told that a manager was not available to assist me and they could not transfer me to the credit reporting department.
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # 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 an account without my written instructions.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On this specific account XXXX XXXX  reports " Settled for less. '' XXXX  reports " legally paid in full for LESS than FULL Balance ''. Equifax reports payment was only {$340.00}. The account was paid in full with an overpayment of around {$41.00}, so the " settled for less '' and " less than full balance '' from XXXX and XXXX  needs to be removed and Equifax needs to show that the full balance was paid. 

Correspondence Log with XXXX  : XXXX XX/XX/2021 Rep : XXXX Call ID XXXX Number called : XXXX XXXX min around XXXX MST XXXX acknowledged payment in FULL, with an overpayment of about {$41.00}, sent me an link to dispute the remarks on my credit report that state the payment was NOT paid in full because the reports state the account was " settled for less '' and " less than full balance. '' Submitted dispute on XXXX or XXXX XX/XX/2021, received email notification to XXXX to XXXX receiving dispute at XXXX XX/XX/2021 at XXXX MST. Ticket ID XXXX Received response of dispute from XXXX  ( XXXX XXXX XXXX stating : " The loan is reporting correctly to the credit bureaus '' and that they " consider this investigation closed '' and " will not respond to further request that are substantially the same as the previous request ( s ) submitted by you or on your behalf '' XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX 31 min at XXXX MST. I was told that a manager was not available to assist me and they could not transfer me to the credit reporting department.
Consumer complaint received 2021-07-13
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 (NJ)

On XX/XX/XXXX purchased {$38000.00} worth of XXXX  ( XXXX ) On XX/XX/XXXX got a fee from XXXX {$0.00} fees on website charged for {$1100.00} On XX/XX/XXXX checked the app and my entire portfolio was transferred and sent to an unknown XXXX address. 
Same day I called Bank of America and explained what had happened. 
After 15 days Bank of America sides with XXXX and sweep the issue under the rug and explains everything above which was already common knowledge. 
I believe I was phished and Bank of America is siding with XXXX even though I am a platinum honors member ( XXXX balance in 3 months )
Consumer complaint received 2021-07-13
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (AZ)

I received my deposit last friday into my new acct. That same day someone hacked into my app and changed the email, phone number, and added a co parent. Then siphoned out {$16000.00} within a cpl hours. This is not even possible for me to do as it was a new account and I hadnt even had my physical card sent out yet. I had a virtual card i cud do online purchases with and use on XXXX pay to purchase only. Furthermore the bank has a limit to how much money can be transferred out in one day of XXXX so how could I have gotten out XXXX by transferring. I have screen shots showing I was in the app chatting with a rep when i was receiving notifications with codes to access the app. Showing someone else was attempting to get into my acct when I was already in it. And only a hacker could bypass the banks set transaction and transfer limits i cant ... .. they denied my dispute. So im supposed to be out over XXXX of my PPP loan for my small business now. No way, ive waited months for that money so i could help my business stay afloat and someone stole it all in a few hours. I want to cry ... ..please help me.
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Back in XXXX of 2022, I checked my credit report and noticed a collection account on here by the name of Portfolio Recovery Associate Account # XXXX From XXXX XXXX for {$2600.00} I sent in multiple dispute letters in XXXX in hoping to resolve this matter with the creditor and the credit Bureaus. I did not get a response from any credit bureaus. 

According to 15 U.S.c Sec 1681, credit bureaus do not have the right to furnish anything on my credit report that is false and do not belong to me without my permission. 
Please investigate and remove this collection account off of my credit report as it hurts my credibility to financially borrow.
Consumer complaint received 2021-07-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (MA)

I became very XXXX and my husband and I contacted Flagstar Mortgage company for help and they said they would help. They put us in a forbearance for a year and then they wouldn't refinance with us after that year we were told that we had no contract with them we ended up in court and we won the case so they sent us a new mortgage that saves us XXXX ... .they 're not reporting or payments or non payments to the credit bureau so we can not refinance with another mortgage company.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Resources, Inc. (NM)

I filed complaint # XXXX on XX/XX/2021 due to additional fees and the amount owed being misrepresented by the collection agency. They responded that they would remove the fees. Today I received a credit score alert and found that they have reported to the credit bureau the amount with the fees that they were to remove.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

In XX/XX/2022, Citi said my account had no transactions in the XXXX  months prior and froze/deactivated my account. 

In XXXX I was told to mail in a signed letter or go to a local branch. I am not currently in the USA, so I mailed in the letter, exactly as they requested. They DID NOT request for the letter to be notarized/apostilled. 

The letter was sent on XX/XX/XXXX. 
I was informed by the carrier that the letter was delivered on XX/XX/XXXX. 
I called at least once each month in XXXX, XXXX, XXXX and XXXX to see if the letter had been received by the correct department. 

In XXXX I was informed that the letter arrived on the XXXX and was being redirected to the responsible department in XXXX XXXX. 

I was informed by XXXX attendants that the letter was received correctly and that the account should be reactivated within XXXX  days. 

I kept on calling to get updates until I was told that I had to mail in a notarized letter. After inquiring as to why, the attendant told me the letter had to go through the Consulate to have my signature verified. 

I am too far from the consulate, already spent over {$20.00} to mail in the letter. I have over {$2000.00} which is costing me over {$10.00} per month as I want to move the money to an account with a 5 % yield. 

Its been a TERRIBLE experience and I have been misinformed and mistreated by Citi. 

I request either for my account to be reactivated or for the funds to be sent to another account under my name and Social Security and for my account to be closed. 

I tried for over XXXX  months to have my account reactivated directly with Citi, which turned out to be impossible. 

Thank you. 

XXXX
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive been a victim of identify theft and fraud, having multiple withdrawals from my EDD account, with a card issued by Bank of America. 

On XX/XX/2021 my husband drove me to the bank to cash my XXXX. There was no money available, so checking my statement I saw that on XX/XX/2021 {$1000.00} was withdrew from the account, and on XX/XX/2021 {$20.00} was taken, leaving the account almost empty, since my XXXX amount was {$1000.00}. I called Bank of America immediately and opened a claim, which it has been denied without any explanation or reason. Claim number XXXX. I had explained to Bank of America that I was XXXX couldnt not even drive on my own. I had the card with me, and nobody had access to it. I bagged them te refund the stolen amount since I had to pay for my health insurance before XXXX XXXX 


On XX/XX/2021, {$1000.00} was again taken from my account. My baby was XXXX XXXX XXXX  and because I was recovering from XXXX XXXX XXXX and because the pandemic I didnt leave the house on my own. I called Bank of America to inform but never received a communication about a second claim. 

In desperation, I called the police. Attached is my police report information. 
Station : XXXX XXXX  Report number : XXXX Classification : identify theft Date : XX/XX/2021 Deputys name : XXXX XXXX I have tried to call Bank of America numerous times to reopen the claim unsuccessfully. Besides the attendants from XXXX  been impolite, the calls always fail, or suddenly the attendant can not hear me anymore and asks me to call again. So I am unable to reopen the claims and have this matter resolved. 

Bacause I cant communicate with them over the phone, I sent them an email today, XXXX kindly asking Bank of America to reopen my previous claim, and investigate the third illegal withdrawal where {$1000.00} was stolen from me, and to refund my account with the total amount of {$2000.00} that EDD deposited as my XXXX. 

Highest regards, XXXX XXXX.
Consumer complaint received 2022-11-30
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. (AZ)

This enrty below was submitted thru your portal and the sent to Experian, I called them and they said they never recieved it. We both Know this a stall tactic or lie. I expect you to hold the accountable for violating my rights and now have the information removed since they did not comply with my reqest. 

XXXX XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2022 Open Company response is in progress as of XX/XX/2022 The never did anythong and said they never ecieved this. 

I am resending a new request but want this file deleted for non complincy with in the 30 day period
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have reached out to Equifax about 15 different times over the last few months. I am desperately trying to buy a home. My mortgage co is able to obtain my credit report from XXXX and XXXX but not from Equifax. I have open tradelines starting in XXXX that are still open and active. These are major creditors like XXXX and XXXX XXXX XXXX that I know for certain report to all 3 credit agencies. When attempting to pull my Equifax file ( which is required to give an underwriting decision, Equifax is not releasing it stating : EQUIFAX : INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE. 

I have never changed my name, I have lived at my same address since XXXX and I have never altered or changed my social or date of birth. I have NEVER filed a fraud claim, nothing. 

I am a loan officer for a mortgage co and I will tell you that we are seeing this same error message with ONLY Equifax a LOT this year. About a 3rd of credit reports we pull, we have no access to the borrowers Equifax file and it's this same error message. Never any challenges with XXXX and XXXX. Like, what is going on here!!!??? 
Is it because of their SECURITY BREACH in XXXX??? 

I have called EF about 15 times in the last few months. They've requested that I FAX a copy of my drivers license and social security card and can never find it. I can not believe they can ask me to FAX my personal stuff like that but I have no choice. When I call them back after the 5 day period they are extremely rude and tell me no one can help me until they receive the docs. They are rude and I can not move on with my life because of THEM! 

Bottom line, I want this resolved so I can put a contract on a house. The lack of inventory right now makes it difficult to just wait until EF can do their job and help me so I can purchase a home. 

I NEED HELP, PLEASE! 

Thank you, XXXX XXXX XXXX cell XXXX
Consumer complaint received 2021-07-13
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. (VA)

Case ID : XXXX with Citi dispute. 

Dear Sir / Madam, I am writing to dispute a charge of {$2700.00} to my Citi credit card account ending XXXX on XX/XX/XXXX. 
The charge was a different payment for the same charges because the initial charge was on an old Citi card ending XXXX that I used to purchase the ticket on XX/XX/XXXX. 
I purchased the initial ticket from XXXX XXXX on line directly on XX/XX/XXXX for an overseas trip scheduled on XX/XX/XXXX, XXXX.Months after I purchased the ticket Citi found suspicious activities so my Citi card ending XXXX was cancelled and a new card ending XXXX was issued. On the day of my trip when I arrived at XXXX counter the lady at the check-in desk refuse to honor the ticket because the new Citi card number did not match the card number I used to purchase the initial ticket. She re-charged my new credit card on XX/XX/XXXX in order to match the ticket with the credit card. She was supposed to refund initial amount to my credit card but that did not happen. 
I could not find any records that Citi credited my account with an amount of XXXX dollars for the bill I paid from the XX/XX/XXXX charge.. I was able to find my initial purchase statement on XX/XX/XXXX on line, as well as my hard cover statement. 

I wrote to Citi and exlpained in detail what had happened and mentioned that I was able to pull last year XX/XX/XXXX statement on line at Citi bank site when I logged into my account on XX/XX/XXXX. After my email to Citi the statement on line for the purchase was deleted and can not see it anymore but luckily I downloaded a copy to a spread sheet and I have the original hard copy statement. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement .Below are the credit card transaction I pulled from Citi bank account on line to prove my case. 
Initial charge : Cleared XXXX XXXX  XXXX : XXXX XXXX XXXX Initial Ticket Purchase on XX/XX/XXXX with old Ci # credit card ending XXXX XXXX  DEPART:XX/XX/XXXX XXXX TO XXXX  : DL : CLASS XXXX XXXX : STOP : O TO XXXX : DL : CLASS : Z : STOP : TO XXXX : DL : CLASS XXXX Z : STOP : X TO XXXX : DL : CLASS : XXXX : STOP : Another charge : Cleared XXXX XXXX XXXX FLNAME : XXXX XXXX DEPARTXXXX XXXX TO XXXX : DL : CLASS : Z : STOP : O TO XXXX  : DL : CLASS : Z : STOP : TO XXXX : DL : CLASS : Z : STOP : X TO XXXX : XXXX : CLASS : Z : STOP : X XXXXXXXX XXXX Second charge by XXXX XXXXn XX/XX/XXXX on the day of departure due to credit card change with new number ending XXXX.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

On XX/XX/2021 I was trying to complete a purchase online when CITI sent me a text alert that my card was frozen and I had to call their fraud department. On the first call the lady told me their system is down for maintenance and she can't unfreeze it which is ridiculous! How do you freeze a consumers card with no way to unfreeze it?! I asked to speak with a supervisor and she hung up on me! Called back in got another rude gentleman who did the same XXXX when I asked to speak with a supervisor, and tried to refuse to provide an employee ID # or reference for the phone call. Then instead of the supervisor taking the call she was just telling him what to say to call back at XXXX!!! For a card that charges an annual fee it's not worth the XXXX poor customer service. I will be canceling this card.