davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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. (FL)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 60 days and not response via email and i am SO MUCH DISAPPOINTED. The ACCOUNT on my report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out. Now please help me TO REVIEW THIS COMPLAINT, PLEASE REVIEW ; REMOVEOR UPDATE THE ACCOUNT IMMEDIATELY inaccurateacross all XXXX bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 2.This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Account number : XXXX As a consumer by law this account must be deleted immediately. 
3. .This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
4. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all XXXX bureaus his is an error this account in violation. 
XXXX Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed Really appreciate your time and effort.
Consumer complaint received 2022-04-12
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: SYNCHRONY FINANCIAL (AL)

An account named " SYNCBXXXX '' has shown on my credit since XX/XX/2020 stating that I am an " authorized user '' on the account. However, I am not an authorized user on any such account and I never have been. I believe my information has been added to this account either in error or by intentional fraud. I've disputed this with the creditor as well as the credit bureau. The creditor is unable to provide me any assistance on the account, since I'm unable to provide an account number or any verifying information. And the credit bureaus continues to verify the account as " accurate '' even though it absolutely is not.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AR)

On XX/XX/2014 I began renting from XXXX XXXX the paper work includes a page consisting of itemized prices for services upon move-out the letter, which is attached, is addressed to me ( although I did not sign ) has very different prices that proves that after I repeatedly asked for an itemized receipt of what my deposit may have gone torwards in order to understand where the extra unknown amounts may have derived XXXX   XXXX never contacted me in Reference to an account that I may owe, instead an oblivious receipt with inflated amounts were sent to a collections agency called NCC SERVICES and they are on each of my credit reports unfairly. Does the original lender not to have an allotted time to try to collect what they believe to be owned to them before turning an account over to collections? Also please notice the differences in the amounts on the original move out cleaning letter and the one created after I continue to ask for the details of my deposits since it clearly was not use to cover the cost of it
Consumer complaint received 2021-03-25
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. (FL)

I submitted a dispute to XX/XX/XXXX, XX/XX/XXXX, and Equifax on XXXX.It 's been over 45 days and I have yet to hear back from then. Both XX/XX/XXXX and Equifax are in violation due to not responding back in time. I'm highly demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (PA)

XXXX XXXX Mortgage Representative Citibank , N.A . 
XXXX XXXX XXXX XXXX. 
XXXX, Texas, XXXX Phone : ( XXXX ) XXXX Fax : XXXX XXXX TO MAKE APPLICATION ONLINE visit : Citi.com/XXXX XXXX XXXX  : # XXXX Lied about making an loan application i went under contract sent her multiple emails and gave her all my information. When my realtor sent her multiple emails asking when the appraisal process would be and even the title company sent her multiple emails requesting information she stop responding Im a month later she said that my loan application was never completed in the meantime we had sent her over 50 emails asking her and her bosses to respond we kept getting emails saying that she was out of town. I lost my hand money because she never gave me a denial letter because she claimed she never made a mortgage application she is a liar a horrible thief
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Cash Management Corp. (MA)

Starting Tuesday, XX/XX/2019 throughout the two hours prior of this XXXX-XXXX & XXXX man contacting the CFPB ; I have received an average of 2- 3 telephone calls per day, attempting to collect money from me. The agency never identified themselves ; it was only until today, that they did identify themselves as a debt collection agency. In addition, they have never sent me a single article of mail and/or bill by-way-of the United States Postal Services ( USPS ). The only way I was actually able to fully identify the exact name of their debt collection agency myself was by running a reverse search on their ( various ) telephone numbers on XXXX. I have taken no actions because A ) I do not know which establishment they were hired by, B ) I do not know how much money I ( allegedly ) owe, and C ) They constantly refuse to specifically identify themselves when they call me. Also, Since they have never sent me any mail, absolutely none whatsoever ; I have never received what is known as a 'Debt Validation Letter ' ... informing me of my legal right ( s ) to dispute. In closing, I would also like to note that they have also called my elderly   mother ... my rather ill, elderly mother, for that matter.
Consumer complaint received 2022-04-12
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: MARINER FINANCE, LLC (TX)

Upon receiving my credit report in the mail Mariner Finance , LLC has done an inquiry on me without my consent. Their address is XXXX XXXX XXXX XXXX XXXX, Md XXXX. Date of inquiry was XX/XX/2022 Please have this inquiry removed. Thanks in advance for your help.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I have a credit card with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (RI)

On Tuesday XX/XX/XXXX I requested a stop payment be put on a Marchant ( XXXX XXXX ). I spoke with an authorative figure from my financial institution Simple.com about this and one other matter. I was very adamant in my query if any further debits from this merchant would post to my account and they were very adamant in their response that their would not be.

I asked this because I know traditionally ACH blocks and some other blocks only effect subscription type transactions and specific amounts.

I've had a horrible experience with simple.com s customer service over the past 3-6 months. Their customer base has grown but they don't seem to have done much to improve customer service when it comes to what actual authorative figures customers are able to speak with, among other things. 

This is also not the first bad experience I've had with simple.com I had asked repeatedly if a previous dispute could be updated with a additional debit and got nothing but double talk.
Consumer complaint received 2019-05-22
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. (MS)

I have a credit card with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX/XXXX with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I AM THE VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-21
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. (NC)

Equifax and XXXX  are reporting me incorrectly 120 days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2020-06-26
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. (TX)

I have a Citi mastercard ending in XXXX. 
There seems to be a scam charge from some XXXX fax every month for {$19.00} for almost 6 months. I am trying to get it fix. When i contact Citi and ask them to block that merchant - they can't. When i asked them to provide me that merchant address and phone # - Citi has no information. 
Citi just want to send me a new card - that is inconvenience for me. 
How come Citi has no information about this merchant? 
I also complained this to Washington Attorney general. I have already initiated dispute but i want something better to be done at Citi 's end.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (WA)

My Money is STOLEN by Discover bank ( checking account ). I made a mobile check deposit Friday night XX/XX/2021 for {$3200.00} to my account. I read the terms and it clearly states the first {$250.00} is available on or after the first business day of deposit! I spoke to a financial representative Monday XX/XX/2021 in XXXX XXXX XXXX, UT and was told on a recorded phone call that my first {$250.00} is available now on the XXXX of XX/XX/2021. Now some idiots customer service XXXX XXXX whom can not speak XXXX  from XXXX, AZ are refusing to give me access to my own money! They would not let me speak over the phone, instead they Nastily coughed through the telephone in my ear... such XXXX  PEOPLE!!! I regret having accounts with discover for the last four ( 4 ) years. I may now have the call in my check Stolen and place a " stop payment '' on this check I now have to call the Police and file ( press charges ) report .... this will be forwarded to the Executive Office - CEO. I will be closing my accounts with Discover because they are the XXXX XXXX People ever! they do not have a : walk in Bank / location anywhere in this Country.. I believe they are a criminal organization.
Consumer complaint received 2021-09-23
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)

remove the different names on my credit report : XXXX said it was a mistake by companies and it doesn't matter... I only have 1 name XXXX XXXX XXXX Received 2 letters from XXXX Credit Card asking for information. I called and said I did not apply. @ nd letter said I was declined. I called they said it was fraud ... and they would review ... and remove from my credit inqueries.. 
I FILED ALSO WITH FTC XXXX XXXX my C/C texted me XXXX WAS BEING CHARGE {$1400.00} I called them and said it wasn't me please block XXXX from my C/C 1.XXXX CARD XXXX XXXX XXXX XXXX DE XXXX XXXX 2. XXXX XXXX  XXXX..REASON AUTO LOAN : I HAVE XXXX DID NOT APPLY TO XXXX 3.XXXX XXXX XXXX XXXX : DO NOT KNOW THIS XXXX 4.XXXX XXXX XXXX ... ..DO NOT KNOW THIS 5. XXXX CREDIT/XXXX  S RV NO PHONE NUMBER... .DID NOT APPLY FOR AN RV 6. XXXX CREDIT/ED XXXX XXXX NO PHONE NUMBER DID NOT APPLY 7.XXXX needs to remove soft credits ... .I was mislead by the web site and I was charged a subscription... .I only wanted the free boost they were emailing me gave me MEMBER ID : XXXX. I CAN NOT CLOSE IT OUT I DONOT WANT THEM CONNECTED TO MY PERSONAL BANK ACCOUNT MY name, phone number are on the DARK WEB I was also scam by an attorney on credit consolidate in 2014 paid 3 years then notified by the attorney generals office that I was a victim
Consumer complaint received 2019-05-22
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. (OH)

this account was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed ( bad debt ) XX/XX/XXXX. the amount owed is XXXX. this company " Snap On '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX.I have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on my name.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

This e mail is to advise you of a horrifying experience I had with Chase. 

In XX/XX/XXXX, I asked Chase to void/stop payment on a series of check # XXXX as I lost my check book, which Chase did I then began to use money orders drawn from Chase and check cashing ( Money Orders ) to pay my bills. 
In XX/XX/XXXX, I believe, I ordered checks from Chase to pay my bills as getting money Orders ( MOs ) from chase bank and/or cash checking was too strenuous. I received a new batch of checks from Chase and began to write checks I wrote checks to my landlord XXXX XXXX XXXX, XXXX and the IRS in XX/XX/XXXX On XX/XX/XXXX, I received a call from my landlord stating that there was a stop payment on the check I wrote that they presented. I never authorized a stop payment from the new batch of checks I received. 
After calling the Chase call center ( which was disastrous ) three times I was given specious information, inaccurate information, or told there is no record of what I was talking about. 
Horrified I went to the Chase Branch on XXXX XXXX ( XXXX ). After her research, XXXX XXXX ( a VP at the XXXX XXXX branch ) found that I was issued the same series of check # XXXX ( new batch I received ) which were identical to the series of cancelled checks in XX/XX/XXXX. 
I received a letter from Chase acknowledging the bank error Additionally, I received a call from XXXX XXXXChase Complaint and XXXX XXXX XXXX XXXX ) XXXX, Ext XXXX, who needed information. She was not helpful and informed. She called me on XX/XX/XXXX stating that she sees a check cleared in XX/XX/XXXX, for XXXX. What she told me has nothing to do with my current issue. I think she saw the amount and concluded there was no issue. The issue is this happened in XX/XX/XXXX As you may tell, I am horrified by the treatment I am getting I have suffered humiliation, pain ( XXXX XXXX XXXX increased ) and fear that my credit and housing may be in jeopardy. I am in the process of contacting the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX  XXXX due to the treatment I am still receiving. 
I will also contact Chase Corporate if this issue in not addressed properly Finally, XXXX XXXX should be commended on her superb customer service skills. The branch manager was not helpful, to say the least. 
I am requesting adequate redress/compensation due to this bank error. 
Thanks XXXX XXXX
Consumer complaint received 2023-01-03
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. (NC)

XXXX is reporting XXXXXXXX XXXX for XXXX on my report and this account is not mine. They are violating FCRA guidelines which ive sent to them to adhere to. 

FCRA 15 USC 1681 602 AND 604 I DID NOT GIVE PERMISSION TO OPEN AND FURNISH THIS ACCOUNT ON MY REPORT AND THEY ARE ALSO VIOLATING MY RIGHTS TO PRIVACY AS WELL
Consumer complaint received 2021-09-21
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. (AL)

On XX/XX/XXXX, a certified letter was sent requesting that Equifax investigate an account listed on my credit report as XXXX XXXX XXXX. Since then three more certified letters were sent requesting reinvestigation of the same account. Those letters were dated for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After months of dispute letters with no investigation into the requested account, the last dispute letter date for XX/XX/XXXX yielded mailed results and those results still did not include the investigation results of XXXX XXXX XXXX After multiple attempts with no response concerning my dispute. I sent one last and final letter to Equifax on XX/XX/XXXX advising them aware of the error on their part and demanded that the account be deleted given that a reasonable investigation was not conducted initially nor was there any correspondence received. Today I received results in the mail from Equifax stating that the account was " modified '' and the debt is still not listed as disputed. According to the FCRA, failing to list the account as disputed after a valid dispute has been sent to the credit reporting agencies is a violation. Equifax has blatantly failed to comply with the law and has denied my rights as a consumer. I have attached screenshots of all tracking numbers and a copy of my very last dispute letter.
Consumer complaint received 2019-08-16
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: Onity Group Inc. (AZ)

We used XXXX XXXX XXXX  to refinance. Who ran my credit. They sold it to PHH mortgage, who ran my credit twice and it dinged me. I want to know why they did this!
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (NC)

I checked my account mobile app SunTrust and noticed a check in the amount of {$30.00}. This check was a digital check from a company that fraudulently accessed my account. I called the number on the check XXXX the representative said this was XXXX and XXXX busy signal. The check with my named misspelled was not signed or authorized by me was cleared XXXX XXXX. I have no idea who or what XXXX XXXX is or how they obtained my information.It is a mystery what XXXX XXXX actually as a web search produces sketchy results. The company appears to offer mediation for business and customers for a fee. It appearing that SunTrust may be motivated to may have consulted with tis company and the company charged my account by mistake. In the past SunTrust has denied claims in the past with XXXX unrealistic excuses and perhaps this is retaliation for filing a complaint. SunTrust denied a claim for {$27.00} that is completely its fault and another fraud claim back in XXXX for XXXX XXXX who took {$130.00}.