davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Open Date XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Filed : XX/XX/XXXX.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/2022 and XX/XX/2022, I have sent Equifax letters advising that they are reporting incorrect personal information on my credit file. I have advised them that my employer is XXXX, my address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. They reported back on XX/XX/2022 that this is incorrect information after I sent copies of my utility bill, drivers license and social security card. I have asked them on both occasions to please update my information. The request from me was sent certified mail via XXXX on XX/XX/2022 and received by them on XX/XX/2022 at XXXX.
Consumer complaint received 2022-12-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions
Consumer complaint received 2021-01-25
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. (NC)

Over 40 days ago I submitted despite letters to these companies and they hvawnt given me any update nor have they responded to my complaint. These combine are in serious violation on congress law with their unlawful reporting on my credit report. Specifically they are violating U.S.C. Section 1692g and U.S.C. Section 1601. These have to be resolved as soon as possible. There is no reason why I should be suffering, still, for these inaccurate accounts reporting on my credit report. Please assist me in clearing my credit report up as soon as possible.
Consumer complaint received 2021-02-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc. (WI)

Over the past month approximately, I have received several phone calls from a restricted/unknown number. Each time I answered the person calling would say they were calling regarding a personal business matter and needed me to verify my personal information. 

Each time the call came in from a restricted number, I answered and I asked the caller to identify what company they were calling with or who was calling and when I asked this. They would not identify themselves, but said it was regarding a personal business matter and first needed to verify my personal information. Each time I informed them that I was not giving my personal information out over the phone unless they identified themselves. ( With 17 years working in the XXXX XXXX XXXX and knowing how scammers work, I was not giving my information to a caller who restricted their number and would not identify themselves. ) On XX/XX/2021, I received a notice from XXXX XXXX that my credit score had dropped 42 points -- that there were six new collection accounts placed on my credit report by Alliance Collections located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, WI XXXX. I immediately called Alliance Collection Agency and spoke to XXXX. 

I asked XXXX why they did not contact me by phone regarding this debt ( from XXXX XXXX XXXX in the amount of {$2200.00}. ) XXXX said they had called me eight times and that I refused to give them my information. I explained to her that I do not give out my personal information to callers who do not identify themselves especially when they are calling from a restricted number. I also asked her why six separate hits were put on my credit report and she said because that is how the accounts were sent over, even though they are all from the same party, XXXX XXXX XXXX. ( Because they listed it as six debts despite all being from XXXX XXXX XXXX, it had a huge negative effect on my credit score that I have worked so hard to rebuild after my divorce. ) I explained to XXXX that they called from a restricted number and then would not identify themselves, so I was not giving out my personal information or verifying it because I was afraid of identity theft/being scammed. I told her I would've gladly cooperated with them had they identified themselves because I'm currently making bi-weekly payments to another debt collector for medical bills I have incurred this past year -- all these medical bills are due to XXXX XXXX XXXX and XXXX XXXX XXXX  and losing a large portion of my income due to Covid.
Consumer complaint received 2022-07-20
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. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}
Consumer complaint received 2022-12-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX we fell behind on our mortgage... address was XXXX XXXX XXXX Texas XXXX... they told me that I had to pay {$5000.00} something before XX/XX/XXXX to keep my home... my wife went and got a {$5000.00} loan in XX/XX/XXXX and I called Wells Fargo and told them that I had {$5000.00} I could pay and they said that I had to pay the total amount to keep them from foreclosing... So we moved out and they put the house up for auction ... trying to figure out if I am eligible to be in this class action law suit... thank you
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CO)

i open citi bank check account online # XXXX, i deposited my pay roll check of XXXX on XX/XX/2023, 2 days later i lost the access to my account. few days later i received a letter of the bank like the found will be cleared on XX/XX/2023. I try to access the bank account and i saw a block account message. I called the bank and they said i deposit a fraudulent check. i called my boss i told him about the situation and he send me a bank statement like the citibank cleared the check or has the money. i called back to citibank and they said my account will be close because i did a violation to the bank rules. after 2 weeks i received the letter. i called back the citibank and they said the check is a fraud. i call my boss and he said citibank has the money no my bank or me. i went to my boss bank XXXX XXXX and i spoke with XXXX XXXX, she call to citibak fraudulent department and informed the check is good and they have the money. I never received a phone call from citibank during 4 days and i don't have access to my bank account. i called to citibank and they said the founds are freeze. i spoke with the citibank fraudulent department and they said they dont have the money but i have a bank statement with the founds in the account still there. Citibank make me a big damage with this action because i lost my job for this, 2 i reuest a familiar loan to pay my bills, until todays i dont have the money or any aditional notification from citi bank . They are playing with my life. please i need you help on it.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon taking a closer look at Consumer Reports I've realized that there are inaccuracies reporting that's damaging my credit worthiness and hindering my ability to be able to adequately provide for my family. XXXX XXXX XXXX account has been consolidated and been paid in full of a XXXX balance. However, it's also reporting that I have a 90-day late payment on multiple accounts with them which is inaccurate. I got the Loan in 2009 and has never made a late payment. My loans were also in forbearance the time frame that those inaccurate derogatory missed payment were furnished. I reached out to in reference to the matter and they mailed me a correspondence stating account was paid in full they have not record of payment history because the account was closed and paid off. I uploaded documents if you could please do what's fair and equitable to me as a consumer and reinvestigate, remove and or update the accounts in questions.
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd (AZ)

This company os deceitful they call from all different & continues to call me as early as XXXX I call back they dont identify the company today I spoke with a manager about the practices and to tell them wrong number and to stop calling that only made them call even more. I called back and answer and just hold the phone these are all rude foreigners and they are deceitful I am currently seeking to file a lawsuit against them for this harassment. I have been forced to pay money to have my number changed today. They think this is a game but its concerning. I thought the CFPB had laws in place to for this type of treatment. Sad thing is these foreigners lie about their names please help.
Consumer complaint received 2021-02-04
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. (IL)

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/XXXX 30 day demand XX/XX/XXXX
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 at XXXX XXXX  somone somehow withdrew XXXX dollars from a BOFA atm using my card that I had on me. First they did an inquiry than pulled out XXXX than another XXXX the next minute I got a notification saying my account was below XXXX. As soon as I find out I call the bank report it the cancel the card and send out a new one. I call the police and file a report as well as try to get ahold of the claims department unfortunately I couldn't reach them till the morning at XXXX because they were closed at that hour. So I make a claim they say wait 10 days so I thought I was good. 3 days go by I recieve a new card on the mail I go online to activate and find out my account is frozen. I call BOFA they say to call edd to get it open and as far as my claim goes it has been closed the rep had told me. I call edd tell then they say they cant do nothing. I call BOFA back ask for a supervisor and they say edd has to send some kind of code thru the computer to unlock it and than I can re open my claim and say to ask for a tier 2 agent so i do it and I speak to a edd supervisor they tell me they sent over a uisd request to BOFA to wait 10 days and call both agency 's to find out am update. So I do and nothing. Now this time being frustrated I contacted my local news place and I filed a complaint on this website. I recieve a phone call from a lady saying she's looking into it and she will call me with updates which she never did I never received anything or a phone call back. Now recently on the XXXX of XXXX I check the edd card account and it's open again. I call BOFA to try and reopen my claim so they can investigate and I get transferred to a fraud rep they tell me I need to contact my agency ( edd ) and he transfers me back to the regular edd debit card rep. I've been going through this going on 2 months now and I want my money back I've made report police reports talked to supervisors and I'm not getting anywhere please help me!!!
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2018 I noticed an unauthorized charge from a XXXX user on my account for {$980.00}. I immediately reported it to chase. They asked me if there were any others so I went over my previous statements in detail. I noticed a charge in XXXX for {$5.00} also from a XXXX user that i did not recognize and was unable to find on my XXXX  account. I let them know about this charge as well. The {$5.00} was refunded to my account right away but the {$980.00} was not because they said they would need time due to the amount. On XX/XX/XXXX {$1900.00} was taken from my account again from a XXXX user which I reported right away. This money was credited to my account after I pleaded with them that I can not continue to pay bills with {$3000.00} missing. During this call I followed up with my original complaint and was told it was being processed. On XX/XX/2018 I called to follow up on the XX/XX/XXXX charge again and was told that since it was beyond 60 days from another reported charge it can not be credited. I looked over the guidelines on your website and see the note that I may be liable but I also see that it states the following " In order to hold you responsible for those transactions, your bank or credit union would have to show that if you notified them before the end of the 60-day period, the transactions would not have occurred. 

Now since this did in fact happen AGAIN on XX/XX/XXXX from the same exact user that took the money on XX/XX/XXXX, after being reported immediately, doesn't this show that they did nothing to prevent it from happening again?
Consumer complaint received 2022-04-26
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: Self Financial Inc. (NC)

Self-Lender is NOT furnishing my payment history with XXXX or XXXX. I have tried to address this issue, but I am ignored from the company. Self-lender stated that they will report my credit-builder account activity to each major credit bureau : XXXX XXXX XXXX, and XXXX . Self-Lender have not furnished anything to the above credit bureaus to date.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC (TX)

On XX/XX/XXXX I was charged {XXXX} from XXXX XXXX for services that had not yet been provided. Then another {XXXX} in XXXX, XXXX and {XXXX} in XXXX, XXXX. This was all charged and the only services that were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told that I had a credit for a partial and when I went to get it, they told me that I owed another {XXXX}. I started pulling all the documents from my insurance and XXXX XXXX billed them for the same amounts. I should have only paid {XXXX} per my EOBs. I was overcharged by {XXXX}. I have contacted Genesis Credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been hung up on, talked over with no resolution. I have faxed 30 pages of documents 4 times showing I was overcharged and they said they never received my fax even though I have confirmation it went through.
Consumer complaint received 2019-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I had a loan mod at 3 % which went up to 3.65 % last year. I requested a loan modification, and th bank sent me an offer that raised my mortgage by almost {$1000.00}, I was assigned an account rep with poor English and little understanding of finance, who badgered me with phone calls, saying that I was the one who had requested increased payments, and wouldn't listen when I explained that I expected to get a LOWER offer. I nerve agreed to a modification and never signed any paperwork. The bank began charging me a higher payment, and I continued to pay my regular amount. The bank did not deposit my payment for several months, and when they did, they said my payments were short, charged me fees and have marked me as delinquent. 

I filed a previous complaint, and the bank sent a letter saying that none of this happened. I am attaching my payment history and statements from the last 3 months to prove that it has.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. ()

Credit card details from XXXX were sent to experian, the amount did not initially match the XXXX amount that was listed in my account. The impact of this was a warning that I had exceeded more than 50 % of my credit at XXXX, which is nowhere close to XXXX. 

This was rectified back to XXXX A month later, this change seems to have been reverted, and this has once again damaged my credit. 


Both of these mess ups are in my record, they both need correcting, in accordance with financial regulation and GDPR.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I refinanced my home with XXXX XXXX XXXX bank in 2012. They sold my mortgage to Carrington Mortgage company about a year ago. I have always paid more than the amount of the note when I pay my mortgage with the understanding that the extra money be applied to the principal on my mortgage. In XXXX Carrington misapplied the additional funds that I sent and applied them to the following month payment. I called them about this and they attempted to correct it but they didn't do it correctly. The same thing happened in XXXX. This time I wrote them a letter. They sent back a form letter promising to correct it by XX/XX/XXXX. They did not. Then, in XXXX, they did the same thing. This time I sent a certified letter. They sent a form letter ( identical the the first response except for the date ) promising resolution by XX/XX/XXXX. I am refinancing my house. Carrington 's errors have resulted in an over charge of interest and escrow money of approximately {$1000.00} to my account. I need their errors corrected and an ACCURATE payoff on my house.
Consumer complaint received 2022-04-26
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Consumer complaint received 2022-05-04
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.