davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
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: CITIBANK, N.A. (FL)

Starting in XX/XX/2020 I'm tried to resolve this issue with Macy 's card and Macy 's XXXX card too. I told Macy that I have always been consistent with making my payments on time and I notice inaccurate charges between the two accounts. I received a letter dated XX/XX/2020 which I will upload which proves what I told them. The letter states " We completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question. On XX/XX/2020 I received another letter from Macy 's which stated " We have been unable to reach you by phone '' which is a Total LIE because I've never received a call at all. Then to make things worst Macy 's states " we discovered that your account has suspicious activity '' thing same thing I told them back in XX/XX/2020. I also received a letter dated XX/XX/2020 that stated " We are writing to inform you that we completed our investigation on your Macy 's XXXX XXXX Card account and as a result we removed the disputed charges and the fees. Since XXXX supposedly could not contact me and has admitted " suspicious activity '' as I first informed them from the beginning - XXXX has still refused to removed these accounts from my credit file. I remove immediately before I file a law suit.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/2021 I applied to refinance my current balloon payment loan with Loan Depot loanDepot.com, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX loan # XXXX. I have summited all the required documents including payment for the appraisal that was completed back in XXXX. During the process Loan Depot misplaced documents, oversaw detail of the title of the property as a result the loan process got delayed. Since my current loan is a balloon payment that expired in XX/XX/XXXX my current lender will no longer accept monthly payments as they are expecting a full loan payoff. It is now XX/XX/2021 and my loan continues to be under a conditional approval. I have contacted the loan officer, loan processor, loan processing manager and production manager and no one has replied to my request to know the status of the loan. As a result of the delay I am now in jeopardy of facing foreclosure. 
XXXX XXXX Licensed Lending Officer NMLS  # XXXX XXXX XXXX XXXX Account Manager XXXX XXXX XXXX Production Manager NMLS # XXXX XXXX XXXX Processing Manager
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

My ReliaCard account has Pandemic Unemployment Assistance monies in it. 

US Bank, without notice or reason, has deactivated my account.

Despite me following all directions of US Bank to upload to them my drivers license and other documentation, US Bank has not activated my account, depriving me of access to my Pandemic Unemployment Assistance monies. 

Please activate my account
Consumer complaint received 2023-02-27
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$7400.00}
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXXXXXX
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I have been disputing accounts with the bureaus and have received no mail or any updates. I have stuff on my credit that needs to be removed. I have attached letters that I recently sent but there have been more.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I XXXX XXXX XXXX sent in a dispute ( dispute # XXXX ) with equifax stating that North Carolina XXXX XXXX XXXX XXXX where reporting false information about my payment history. The last date that was paid to NC XXXX XXXX XXXX XXXX was on XX/XX/2016 and there hasnt been anyother payment with them since then. They Charged the account off in XXXX of XXXX I looked in my credit report and it states that i maid a payment in XXXX XXXX thats why i disputed with equifax XXXX On Speaken to XXXX with Equifax he stated that my dispute is closed and the information is correct. I asked XXXX with Equifax how did the company prove that i made a payment, he stated that they just notified them that the information is correct. I asked him did they show any proof of the payment being made. he said no. i asked him wh would you all just take the word from the company without proof. He stated that thats how they do. My complaint against equifax is that why put in a dispute if your only going to take one side without proof and its not fair. this account has been removed from my credit report from the other 2 credit reporting agencies because NC XXXX XXXX XXXX XXXX is Falsely reporeingbin accurate information.
Consumer complaint received 2023-02-27
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. You are reporting a different information from other bureaus. This account is only reporting in your bureau. If your record keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately : XXXX  XXXX Balance Owed : {$3800.00} XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX Balance Owed : {$720.00}. Please provide documentation that these accounts belongs on my credit report and that my rights have not been abrogated. Otherwise fix this damaging data immediately.
Consumer complaint received 2021-07-20
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)

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 2023-02-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Disputed item on my credit report with the credit agencies and creditor. Received a message that account was Now resolved by data furnisher. This account is not mine and has resulted in financial damage preventing me from renting, applying for a mortgage, and results to high interest rates when applying for credit. 

pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I requested that creditor re-verify this account and that the inaccurate items be deleted from my record. Creditor and credit agencies must not list incorrect data as an accurate credit report is my right.
Consumer complaint received 2024-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (CA)

I received a document from the company NetSpend at my home mail address. Approximately sometime in XXXX - XXXX of this year. I had missed this mail item on my kitchen counter and opened it up this week ( XXXX week of XX/XX/XXXX ) and realized the following : The company NetSpend had sent me a physical card with my first and last name, a routing number, an account number, and a bank name, stating that this card was ready to be activated and could get up to XXXX  days faster with direct deposit. Today, XX/XX/XXXX I contacted their customer service at XXXX ( XXXX ) XXXX, after XXXX attempts I was able to bypass the automated services and get a hold of a live representative. They confirmed that someone else had activated this card, using my first and last name without my consent or knowledge. They could not provide me with any additional information on the account or the email or phone number they used. They told me the first and last initials in the email listed on this account that did not match any of my personal email accounts. They provided me with the FTC phone number and instructed me to file an identity theft complaint on this account. They stated they could not further assist, as I needed to file a report with FTC, and they would receive further instructions.
Consumer complaint received 2020-05-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I opened a chase savings account ( acct no XXXX ). Same day, I transferred {$5000.00} from my XXXX XXXX  account. A few days later, Chase locked my online account and closed my savings account. I called Chase at XXXX on XX/XX/XXXX. They said they can't return the money over the phone and I have to go to a branch with an ID : (. I didn't want to go to a branch right now with COVID19, but today on XX/XX/XXXX, I went to the Chase Branch ( address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) but they still refused to return my {$5000.00}. I'm shocked and furious that they closed my account without any warning and are withholding {$5000.00}. Please assist.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently conducted a thorough investigation of my credit report, an experience that has inflicted severe emotional distress upon me. The findings revealed unverifiable, invalidated, inaccurate, and questionable items, indicating a blatant disregard for ensuring 100 % accuracy in your agency 's reporting.

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported with absolute precision. However, the accounts in question are in clear violation of both 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), as they fail to meet the standard of 100 % accuracy.

I have attached copies of all correspondence sent to your agency for your perusal.

Immediate action is not just requested but required to rectify these violations and restore the accuracy of my credit report. Failure to do so promptly will leave me with no choice but to pursue all legal avenues available to me.

I anticipate your swift and comprehensive response to this matter.
Consumer complaint received 2021-07-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (CA)

Company repossessed car without proper legal notice. Received a different response than the one provided as an answer to my complaint. Very abusive over the phone asking for {$420.00} in repossession fees. I invoked my rights under 15 USC 1692 c. I was told that my account needs to be " current '' before I would be able to get my property back. I disputed the validity of the debt and they stole my property, lied to you, and basically said that I need to pay or they are selling my car in auction, which can occur anytime. When I contacted the assignee, they said that I had to pay before they would say where the car is. 

I am being extorted, abused, and terrorized by this company for invoking my rights.
Consumer complaint received 2020-10-31
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. (MI)

it has been over 45 days since i have sent equifax a copy of my ftc report. my information was stolen and was used to try to obtain goods, and credit in my name. though these attempts were unsuccessful, my credit report is now filled with tons of fraudulent inquires from the attempted fraud. i was instructed by my local police department to file an federal identity theft report, and submit it to the credit bureaus which i did, XX/XX/2020 certified mail by the us postal service. to this day i have yet to received anything from equifax regarding these fraudulent inquires. i will attach a copy of my identity theft report, along with my drivers license, and social security card, for identity verification
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stenger & Stenger, P.C (TN)

The debt collectors by the name of XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX who falsely identify as Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for the same debt that has been illegally sold numerous times for a consumer credit transaction that I initiated for a credit card on issued by XXXX XXXX for a XXXX XXXX retail card. I am the original creditor for the consumer credit transaction. Credit sales took place without my consent which constitutes unauthorized use pursuant 15 U.S.C. 1602 ( p ), " use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit ''. The attorneys received compensation which is a violation of 15 U.S.C. 1692e ( 2 ) ( B ). XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them which violates 15 U.S.C. 1692j ( a ). I did not give XXXX XXXX my direct consent to share my private identifying information with anyone. That includes selling it for profit to other debt collectors including Absolute Resolutions who hired debt collectors XXXX and XXXX to take legal action against me twice which violates 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. XXXX  XXXX and XXXX XXXX also did not have the permission from a court of competent jurisdiction or direct consent from me to communicate with XXXX or XXXX and make my private identifying information public. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. This resulted in me being subjected to a default judgment against me and my wages were garnished. My private identifying information for my former name appears on a court dockets which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit.
Consumer complaint received 2024-01-12
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (OH)

See Attachments : VANILLA / INCOMM Dispute Claim Images of VISA Gift Card Receipt of Purchases This is the back and forth with VANILLA / INCOMM : XX/XX/XXXX and XX/XX/XXXX My issue is once I sent the back-up information they requested, they have simply ghosted me. 

XX/XX/XXXX Gift Disputes Today, I went to activate the Vanilla card today and in doing so, saw a XXXX  balance. The giftcard package did not appear to be compromised. 
My friend, who lives in the XXXX area gifted this to me in XXXX. 
Looks like she purchased at XXXX on XX/XX/XXXX. 
XXXX was used on XX/XX/XXXX at XXXX ( I dont even shop at XXXX ). 
Never attempted to use until today to purchase XXXX gifts for my grandchildren. 
Dont understand how a purchased and activated giftcard, in original packaging and never opened, can be depleted by someone else? Very saddened by this situation. My XXXX is now ruined. 
XXXX XXXX XXXX XX/XX/XXXX - EMAIL SENT TO VANILLA FROM XXXX XXXX A FAVOR OF REPLY IS APPRECIATED. I HAVE SENT THIS EMAIL THREE TIMES WITHOUT ANY FEEDBACK. PLEASE ADVISE. 

You asked for back-up showing the purchase transaction and actual gift card. Again, this was a gift from a friend who resides in the XXXX area. She has provided the transaction information. See attached. I have provided images of the actual Gift Card. Value was {$500.00}. VERY SAD SO MUCH FRAUD happens in your space. 

XXXX between InComm and XXXX XXXX Dear Customer, Hello XXXX XXXX, This is InComm contacting you about your gift card issue, XXXX. We have reviewed your claim and we require documents to complete your request. Please provide your documents at your earliest convenience. The documents we are requesting are as follows : Front of the gift card and a copy of your receipt. Please follow this format on the subject line of your email : First Name Last Name Case ( Insert Case Number ). We are sorry for the inconvenience. This is a do not reply email box. If you have more questions or concerns, please contact us at our customer service department, XXXX. If you are a XXXX  Gift Card customer, please contact XXXX. 
Please send your documents to the appropriate location for your claim. 
Activation Issue Fax Number : XXXX Activation Issue Email Address : XXXX Fraud Department Incomm Payments __________________
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I was notified my info was compromised in XX/XX/XXXX and I promptly took action by fling an FTC AFFIDAVIT and reaching out to credit bureaus. I had to pay for access to " free '' reports which I was never able to obtain due to system being down.

I haven '' t been able to access to control my report.

Under 15 USC 1681 ( a ) - ( l ) Everything must me accurate and verifiable and complete.

I did not nor authorize the following inquiries.

I want them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Disputed debt as collection agency XXXX XXXX XXXX XXXX XXXX ) is unable to find my account when given my name, date of birth, Original creditor, and ssn. The listed debt from XXXXXXXX XXXX XXXX XXXX is {$150.00} and the original creditor is XXXX XXXX
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Torres Credit Services, Inc. (CA)

For a few years my identity was stolen. I discovered this because the franchise tax board notified me that my SSN was being used. I discovered that accounts were opened in my name taxes were filed. The account was opened at a residence that I have never lived. 
I filed an ID Theft Report copies were sent to XXXX credit bureaus on XXXX 2016.