davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-01
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XXXX  XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (NC)

I got a notice on XX/XX/2020, supposedly from Goldman Sachs, that an Apple credit card in my name and address, had a balance and asking me to settle the balance. 
I informed the Goldman Sachs Apple Card Specialist at XXXX that I had never had an Apple credit card, although I have been using XXXX devices for many years, and that in all probability my Apple ID must have been hijacked. 
The analyst wanted my date of birth and contact information which I provided but I declined to give the last 4 digits of my social security number since I was not altogether sure that this wasn't some sort of scam by an adversary of the United States, where I am a citizen. 
I have since changed my Apple ID password to be even stronger than before but I am perturbed that XXXX and Goldman Sachs do not utilize verification mechanisms such as two step authentication before allowing such credit transactions to go through. 
This hole in the secure use of apple credit cards at merchants is very disturbing. 
I have made a written complaint to the FTC but am also entering it here so that action can be taken to prevent innocent uses of XXXX mobile devices from having to pay for transactions that they are not responsible for.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS.  At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at XXXX XXXX. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at XXXX XXXX and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at XXXX more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid in advance.
Consumer complaint received 2021-06-02
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. (VA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-11-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I entered into an agreement with Wakefield associates at the XXXX Tennessee office for medical debt. The debt was around {$1200.00}. My monthly payment I was told had to be {$120.00} or they could not assist with arrangements. The amount was paid for several months until I became ill. I then called a Wakefield rep to see if it would ok to lessen my payment for a couple of months and then return the original {$120.00}. I was told that it would be fine as long as I did not stop paying all together. So for one month I paid {$50.00}, the following month I paid {$75.00} and last month I began paying the {$120.00}. 

Beginning from XXXX to XX/XX/XXXXI have received numerous calls at work, which my supervisor does not allow personal phone calls. There have been two men calling stating they represent Wakefield and associates. 

They have been ask not to call again, but as of Friday XX/XX/XXXX the calls and hangups are continuing. The calls are harassing because they either call my direct ext and directly hang up, purposely allow my phone to ring to voice mail and then hang up or their asking any coworker who answers the phone questions regarding my personal business. Recently I have been receiving calls after XXXX XXXX and sometimes before XXXX XXXX. In addition to that, they have taken some of my payments and most recently {$120.00} and are not properly crediting my account. But they are consistently harassing and trying to intimidate me as if they are not taking my cash payments. 

Since I 've been away, I have a temporary house sitter, who witnessed an unknown man and woman in a car. the man approached the mailbox as if he was trying to read the mail. I 'm very honest in my reporting of this incident and I ca n't prove that this was someone representing Wakefield and associates but I simply have a strong suspicion that it was. Especially since my house sitter said that he heard the woman in the car say " lets call the cops, we 'll get her XXXX ''. How is this deemed professional protocol.
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My business checking account was recently closed without warnings even though I had funds in the account and nearly zero activities on the account. I 've been with Bank of America for the past 3~4 years and suddenly they do this, it 's very strange. They are holding my available funds of {$3000.00} hostage as interest-free loan.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (PA)

I have a fraud alert placed on my credit report because of previous hard inquiries from a bank called XXXX XXXX  / XXXX which was resolved with XXXX in XXXX of XXXX. On XX/XX/XXXX another inquiry from XXXX XXXX XXXXXXXX showed up again this time on Equifax this time when I disputed the hard inquiry I was told that even though I have a fraud alert on my account they could not remove the hard inquiry till I filed a report with the CFPB. I am a victim of repeat fraud with this particular company XXXX XXXX, Thank you
Consumer complaint received 2020-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO. (VA)

Chase Credit Card Services has started calling me, in an harassing way, over the last week, beginning on Monday, XX/XX/2020. During that call, I spoke directly with a woman who told me she was with customer service and assured me she wasn't with collections. I'm still not clear on why she called because our conversation was very garbled, but I know she said they wanted to know how they could help me. I'm not sure what that actually means. However, I told her the same thing I've been telling them through their secure web site since COVID shutdowns began. I experienced a XXXX three years ago and took some time off work to heal physically and emotionally, living on savings I had specifically set aside for that purpose. In XXXX and XXXX of this year, I began interviewing for positions, but then the shutdown occurred in XXXX. Since I was not eligible for either XXXX ( I'm not considered XXXX by state and federal standards but still have to be careful about the types of activities I'm involved in - can't stand or walk for long periods of time, can't lift packages over a XXXX limit, etc. ) or unemployment ( because I had left my position voluntarily after that contract ended ), my finances continued to dwindle. 

I'm still looking diligently for work, but like many people, I am still unemployed. I was also XXXX in XXXX and have been staying with friends but am basically XXXX while trying to heal. 

Chase has called once every hour today ( at least XXXX times so far, and it's about XXXX XXXX now ) but is not leaving a message. I don't answer calls from people who don't leave messages, and I prefer to do business in writing so I have a record. Is there any way you can have them stop these tactics and at least tell me what it is they want? Thank you.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-03-03
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-06
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

# XXXX XXXX  : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MA)

I got a letter from Citibank on XX/XX/2020 said that both of my saving accounts are closing and without any notice and no reason. One of my saving account still {$130000.00} on the account and other one is {$1800.00}. Citibank will issue me a official check for that balance to the address on file approximately thirty to sixty business days from the date of th is letter. But almost 4 months now and I still not receive my fund yet. I tried to call Citibank so many times and they said my accounts still blocked and hang off on me. I visited the Citibank branch and they said the same thing. Please help me I dont know what to do now
Consumer complaint received 2023-03-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I submitted a dispute regarding the inaccuracy of my account with XXXX ( XXXX XXXX XXXX ) in XXXX of this year via XXXX Mail. Equifax Verified this account as being accurate. I also requested a method of verification as is my right per FCRA. They responded with a canned response leading me to believe they did not conduct a proper investigation. I reviewed the account again and there were XXXX factual inaccuracies several of which are direct FCRA violations. I sent a XXXX letter which showed the XXXX XXXX and I detailed all of these issues. How on earth did Equifax verify this account as being accurate when it contained all of these factual errors and FCRA violations? I instructed them in a XXXX letter to delete this account in XXXX days or I would start filing complaints. It is obvious that Equifax never followed the law and conducted a thorough investigation. In fact, based upon the outrageous way this account was reporting, I truly believe Equifax never conducted a proper investigation or perhaps worse, lied and simply auto verified this account. I have attached a copy of the third letter which documents all of these inaccuracies and violations. To my mind after reading FCRA a dozen times, when an account is verified as being accurate, the data should reflect the industry standard of Maximum Possible Accuracy. Equifax failed to do it's job and willfully continues to report this account even after they were made aware the data was false and inaccurate. XXXX XXXX Promptly deleted the account upon receipt of the exact same letter. Equifax should not be able to operate above the law and ignore the obvious issues with this account. It should be immediately deleted and Equifax should be dealt with to the limit of the law.
Consumer complaint received 2020-10-24
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. (MI)

i have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are tyo block any and all fraudulent information. i will be including a copy of my FTC report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes
Consumer complaint received 2020-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I have made the same number of PSLF eligible payments -- 38 -- on both of my loans. However, on loan sequence 1, FedLoan Servicing indicates that I have made only 28 eligible payments. 10 payments, made between XX/XX/XXXX and XX/XX/XXXX ( inclusive ), are reflected as ineligible payments for loan sequence 1 but eligible for loan sequence 2, even though payments were made for the full amount due on both loans on the same date each month.
Consumer complaint received 2023-03-06
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)

Equifax is reporting A account that does not belong to me I did not authorize any account with XXXX XXXX XXXX and its damage my reputation and trustworthy this account does not belong to me Im a victim of identity theft I file numerous complaints to Equifax but the account still showing on my consumer file account name upstart XXXX XXXX account number XXXX