davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, I'VE HAD FRAUD COMMITTED UNDER MY NAME IN THE PAST AND I AM NOT LIABLE THOSE ACCOUNTS BEING DISPUTED. PLEASE REINVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT AS SOON AS POSSIBLE. IT HAS BEEN REALLY HARD TRYING TO ACQUIRE NEW CREDIT WITH DEROGATORIES ON MY ACCOUNT. KEEP IN MIND THAT THOSE ACCOUNT I DID NOT AUTHORIZED UNDER MY NAME AND IT IS A CRIME FOR SOMEONE TO HAVE ACCESS TO MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE.
Consumer complaint received 2019-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (MA)

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Consumer complaint received 2019-11-01
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. (NJ)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

XXXX XXXX XXXX XXXX XXXX NH sale XXXX XXXX  Agent XXXX XXXX Traded in a XXXX for another XXXX at end of lease. Mileage over contract by aprox. 3000 miles. 
Agent exaimined our trade for acceptance did not mention any problems.. we talked about payments Mr. XXXX sealed the deal with us by including XXXX would eat the mileage and be in our comfort bracket. My mother and I agreed to the monthly payments of {$390.00} and gave the first initial payment. 
Received a call from Nissan Lease that aprox. {$4100.00} was due in cash. 
This would cover the over mileage and wear and tear. First the car was examined by the dealer no note of a problem and the mileage was to be washed. From what I can estimated Mr. XXXX left the company immediately after our transaction. 
Went into XXXX talked to manager XXXX. No help available on " He said, she said '' I askd why a " WE OWE paper was not shown to me but I found it with the envelope given. This paper had a forged signature.. XXXX took the paper and returned with a WE OWE paper that had my signature. He kept the signed one and returned my copy. This was strange.
Consumer complaint received 2019-11-01
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. (CA)

On XX/XX/2019, I fell victim to identity theft and someone attempted to open a credit card with " XXXX XXXX XXXX ''. The card was not opened as the bank was unable to confirm information on the application, per a letter received from the bank. However, a hard inquiry was placed on my Equifax report. However, this attempted credit card application was fraudulent and the Equifax hard pull must be removed. 

I contacted XXXX - XXXX XXXX on XX/XX/2019 and they informed me that they would request that the credit bureaus remove the fraudulent hard inquiry from my reports. I received a letter to this effect dated XX/XX/2019. I also contacted Equifax on XX/XX/2019 to have the hard inquiry removed and was told they'd need to wait for the credit card company to request the hard pull be removed. 

Nothing happened. I submitted a second dispute with Equifax on XX/XX/2019 as well as contacted XXXX  - XXXX XXXX. I was told that they had informed the credit reporting agencies that the hard inquiry should be removed on the basis of fraud but that they would send them a second request for the removal by Equifax. I received a letter confirming this action dated XX/XX/2019. When I received back the results of my dispute from Equifax, it stated : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX, Phone ( XXXX ) XXXX. '' As of today, XX/XX/2019, I still see the hard inquiry from XXXX - XXXX XXXX on my credit report from XX/XX/2019. To reiterate, this was a fraudulent attempt by someone to open credit in my name, which failed but the hard inquiry is negatively impacting my credit score and needs to be removed immediately after these multiple attempts to resolve this through the bank ( XXXX - XXXX XXXX ) and credit reporting agency ( Equifax ). 

Additionally, this XXXX - XXXX XXXX fraud had also been reported to XXXX. However, that was quickly resolved and the hard inquiry has long since been removed from my XXXX credit report. 

I have locked my credit reports and added a security freeze at all three credit bureaus.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America requested additional documentation : Green Card,  tax return, bank statement - everything was mailed, and then I relieved a letter with a decline reason : " unable to verify information ''. I have several CC approved already. Somehow they were able to verify, but not BOA. I tried to contact them via the phone to no avail. 

Application Reference # XXXX
Consumer complaint received 2019-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

I paid a bill for XXXX XXXX but it was sent to PlusFour inc, as a Collection, I work for XXXX  XXXX XXXX XXXX, we had a XXXX XXXX last XX/XX/2018. Congress passed a law station our credit is protected during a XXXX, they have not deleted it from my XXXX  credit file.
Consumer complaint received 2019-11-01
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. (NJ)

After opening a secured credit card with XXXX XXXX XXXX, I was informed that my account had been " charged off '' after being just 30 days late. Since being originally notified of this, I have attempted 8 times to get accuate information reported on my Experian, XXXX, and XXXX reports. 
1 ) Problem # 1 : the amount reported was {$460.00} which was incorrect as I deposited {$300.00} to secure the credit ; this was updated. 
2 ) Problem # 2 : never being told what a charge-off meant and only that my account had been closed, I did not know what my options were ; then, I received an offer of settlement letter for {$120.00}. 
3 ) After contacting XXXX  XXXX XXXX re : the settlement, I decided to instead pay the full amount with the assumption that the account would be marked as Paid and Closed. 
4 ) Since then, XXXX has submitted 8 contradictory reports of this event and none of the agencies found the contradictory info alarming. 
5 ) Account Status has been listed as everything from Paid, Closed, Charge-Off, to Open 6 ) The data of the Charge-Off has changed from XX/XX/XXXX ( date of 30 day delinquency at which point account was closed ) to XXXX - XX/XX/XXXX to XX/XX/XXXX to being removed altogether for a 30 day mark in XX/XX/XXXX. 
7 ) The paid in full date of XX/XX/XXXX has been reported, but than changed to Charge-Off, Failed to Pay, and CLS 8 ) Status has continuously stated Account written off for {$460.00} when highest balance was {$160.00} and paid. 
9 ) Comments continuously state account closed by creditor when it was closed after payment. 

The lack of accountability and the fact that in a situation where a creditor provides different contradicting data 8x the consumer does not get the benefit of the doubt is troubling. 

This acount never reached 180 days late as required for a Charge-Off, I paid the full debt once notified of the option, and yet I still have a damaging notation on all my reports. This should be completely removed at this point, or at minimum changed to : 1. XX/XX/XXXX - 30 Days Late 2. XX/XX/XXXX - Paid in Full ; CLS 3. Status : Pays as Agreed ; Paid, was past due 30 days
Consumer complaint received 2019-11-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Union Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX around XXXX XXXX {$980.00} Cash Deposit Claim # XXXX I made a {$980.00} cash deposit at the UNION BANK ATM located at UNION BANK XXXX XXXX XXXX XXXX there was a drive way leading to the UNION BANK ATM with arrows pointing to the machine. The Machine screen has UNION BANK sign. I used my UNION BANK Debit card and deposited XXXX {$100.00} Bill and XXXX {$20.00} bill. 
XXXX * {$100.00} = {$800.00} XXXX * {$20.00} = {$180.00} Total Deposit {$980.00} The machine indicated due to technical reason my deposit was not completed. The same problem happened to me several months ago with cash deposit at the UNION BANK Located at XXXX XXXX XXXX XXXX at XXXX XXXX CA, I called the XXXX number they told me to contact the bank, which I did the manager of the bank checked their ATM machine and credit my account for the deposit right away. With that experience today I walked to the UNION BANK and told the manager of the bank that I just deposited {$980.00} cash and the machine did not give me credit. Ms. XXXX XXXX Branch Service Manager gave me a phone number to call to place a claim, she told me we are not responsible for the UNION BANK ATM machine at our parking lot. This response was not acceptable to me, I made complaint and asked her to call the number and let them know that I am at the bank and they need to give me the credit. She did call and I was given a claim # XXXX by a person called XXXX who told me it will take any where from 10 to 90 days for them to investigate the case to get the credit. I did not accept that response and asked to speak with her supervisor XXXX, she told me they collect the cash daily from the machine, but the policy is to wait from 10 to 90 days to process the claim. I made sure to ask that our conversation was recorded and repeated what she told me 5 times, indicating how absurd her so called policy is, she was cold and had a take it or leave it attitude, and made no efforts to help me. 
I am requesting the CFPB to open a case against Union Bank and requesting that Union Bank to Credit my account {$980.00} today and compensate my account for my inconvenience {$250.00} per day penalty for every delay starting XX/XX/XXXX until full credit of {$980.00} is recorded. 
I believe their response to their machine failure is not acting in good faith and illegal. They need to put a sign on their machine warning that deposit your hard-earned money at your own risk to be acceptable to go and check to see if the money is there or not right then and there. 
To me having this happen twice in one year has criminal intent all over it.
Consumer complaint received 2019-10-31
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. (SC)

Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

We had a HERO loan on our property that we paid off in XXXX of this year. 
I called to notify Lakeview that the loan was paid off and so I needed an Escrow Analysis to recalculate my escrow payment. 
Lakeview refused to do anything without a recalculation for the property taxes, which the tax collector does not put out until XXXX. 
On XX/XX/XXXX, I received my property tax statement and immediately sent it to Lakeview with a request for an escrow analysis to recalculate my escrow payment. I was not given a confirmation number but I did print out the " Thank you for Contacting Us '' auto-response. 
At this point, Lakeview has {$6700.00} sitting in my escrow account. My property taxes are only {$3700.00}. My escrow payment is {$850.00}. 
By XX/XX/XXXX, I still had not received a response so I called back. The customer service representative that I spoke to told me that they had not received my document but that it would not matter because Lakeview would not do an Escrow analysis based on my tax statement, only historical payments and so I would not receive a change in escrow until the XXXX tax year rollout. 
I requested to speak to a supervisor who confirmed that I could, in fact, request an Escrow analysis with my property tax statement and asked that I email it to him which I did. 
On XX/XX/XXXX I received an email from Lakeview stating they received my submission, had escalated the inquiry, and would respond to me within 3 business days. 
By XX/XX/XXXX I still had not heard from Lakeview and called to check status. I was told by the Customer service representative that she spoke to her supervisor and she would look into it and call me back by the end of the day. 
I still have not heard from Lakeview. 
Lakeview has enough in my Escrow account to pay my property taxes almost twice. In addition, they are charging a significantly high amount each month for my escrow payment. If I owed Lakeview this much money they would be assessing fees and penalties already. 
I don't know what else to do to get Lakeview to respond.
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

On XX/XX/2019, I was contacted by Enhanced Recovery Company regarding a debt from XXXX  of {$740.00}. I asked the representative to provide me with an address that service was established and an account number.The representative could not provide me with this information. I informed the representative that this was not my debt and questioned how can they report something on my credit file that they do not have all the information about. She instructed me to go to XXXX ID Theft and fill out a fraud affidavit, on such affidavit, it requests information like, an account number and proof of residency during the time the account was established. 
I contacted ERC again, to inform them that I couldn't successfully fill out an affidavit without that information and they told me that i had to pay the debt even if its not mines to get this removed off my credit file. I did send a request that they validate this debt as mines and provide me with relevant information and have not received any information from the company to support my request.
Consumer complaint received 2019-10-31
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. (CA)

Attempted to use XXXX ( and Citicard ) to make hotel reservation at XXXX XXXX, XXXX XXXX Oregon XX/XX/XXXX. Upon arrival no reservation had been made. I spent XXXX minutes trying to call XXXX to no avail, no response, no help from XXXX. XXXX XXXX clerk was very helpful and said he frequently noticed problems with XXXX. So we used our Citicard XXXX to pay for room. After receiving our next card statement we noticed 2 identical charges for {$100.00} for the same date : XX/XX/XXXX. 

Complaint is that XXXX did not provide any tangible or useful service, yet they billed us as if they did. Two complaints have been made to Citi and they just repeat the statement from XXXX that they will not accept this chargeback, and that XXXX did make a reservation. That is not true. A useful reservation was not made, and XXXX at that time had a total lack of any practical, timely customer assistance. As of this date ( XX/XX/XXXX ) we have not been made whole and we are out {$100.00} due to XXXX 's breakdown, and lack of any reasonable support or consumer advocacy from Citi.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I received an email from Florida Department of Highway Safety and Motor Vehicles stating that my records were accessed. 
Same day received an email from American Express saying my application for a new credit card was submitted and approved. 
I called American Express and they said no application under my name were received. 
On XX/XX/XXXX I received the credit card on my name by mail, exactly as the confirmation email received days before fron Amex. 
I calle American Express to submit a claim and close the account, they said they will be closing the account and submit a fraud claim. 
Today I receive a letter about rewards program from American Express. 
I suspect about XXXX XXXX store at XXXX XXXX XXXX where I opened a credit card around XX/XX/XXXX, but never asked for the American Express. 
Help, please.
Consumer complaint received 2019-10-31
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My parents ( my name is on the certificate as well ) deposited {$11000.00} dollars into a " Savings Certificate '' at XXXX XXXX on XX/XX/XXXX94 which is now Bank of America. It earned interest and was set to mature in 36 months. The savings certificate looks like a check and has an area for the endorsement on the back. My parents put the certificate in their safe deposit box and forgot about it. The bank has no record of the certificate and stated that their records only go back 7 years. They told us to check with unclaimed property. We checked with the Georgia Department of Revenue and unclaimed property and it is not there either. I also called the Bank of America corporate office and was told the same thing as the local Bank of America.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (OH)

I have been with comenity bank/ XXXX  credit cards in XXXX Ohio XXXX XX/XX/2015. I have never missed a payment or been late in 4 years 3 months, my credit score changed due to me closing a starter credit card I had and my score dropped some when my account closed, they told me they reviewed my credit report again and the risk services reduced my credit limit based on the information. My score has not changed much since Ive been with them. I have paid 2 cars off and paying on my third vehicle my XXXX XXXX accounts are current. I dont understand how this is justified? They will not give me any answers besides there risk team made that decision.