davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (CA)

OVER 45 DAYS AGO I WENT TO APPLY FOR A CAR LOAN AND WAS DENIED -- -- - THEY SAID I HAVE A COLLECTION ACCOUNT ON MY CREDIT. I WAS STUNNED BECAUSE I WAS NOT IN DEBT WITH ANYONE AND I HAD NEVER RECEIVED A COLLECTION NOTICE IN THE MAIL.   I HAVE LIVED AT MY CURRENT RESIDENCE FOR THE PAST 12 YEARS. I ORDE RED A FREE COPY OF MY CREDIT REPORT AND A COMPANY CALLED AARON AGENCY WAS LIST ED ON MY CREDIT. I SENT THEM A LETTER IN THE MAIL BUT STILL HAV ENOT HEARD BACK AND THE ACCOUNT IS STILL ON MY CREDIT.     THE ACCOUNT IS NOT MINE AND THEY HAD NO BUSINESS PUTTING THE ACCOUNT ON MY CREDIT ESPECIALLY WITHOUT SEEING IF THE DEBT WAS MINE, FIRST.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it  may  concerns, I am writing regarding a few accounts that have been on my credit report with Transunion for more than 7 years. I have contacted Transunion many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Transunion has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Transunion and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Transunion because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX   )  XXXX   XXXX   XXXX   XXXX  ( I HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   PUBLIC RECORD : REFERENCE NUMBER  XXXX . THIS ACCOUNT HAS BEEN PAID AND RELEASED AND IT HAS BEEN ON MY RECORD FOR MORE THAN 8 YEARS.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MN)

My XXXX account was compromised on XX/XX/2022 and I attempted to stop an unauthorized login from an unknown device using 2-step verification, but I was bypassed. I immediately logged out all devices and changed all of my passwords associated with the account, but unbeknownst to me my XXXX XXXX account had already been subscribed to an application that is very clearly a scam. I wasn't notified or asked to verify the transaction and only noticed when I checked my account balances online. This was on XX/XX/2022 for the amount of {$58.00}. I froze my cards and reached out to both of my banks immediately, and once the transactions were complete, XXXX XXXX came to the conclusion that the transactions were unauthorized and credited the funds back to my account. They also issued me a new card. Chime on the other hand has told me that they believe the transaction to be valid despite me reporting that I don't recognize the transaction. I have submitted multiple rebuttals with evidence supporting the fact that the transaction is obviously very suspicious and I included screen shots of emails confirming the unauthorized logins, the changing of my passwords, and the company that my cards were charged to that was very clearly a scam. It was listed on an XXXX website for XXXX XXXX as an XXXX XXXX I have tried resolving this with them several times, and am likely going to be discontinuing business with them, but I would very much like to get my money back and am frustrated with how difficult it has become. I even forwarded XXXX XXXXXXXX XXXX decision to Chime to see if that would convince them, but they say that because my physical card was in my possession and because I shop online and my pin was not compromised, that they believe the transaction is valid despite the evidence that says otherwise.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I have a loan with a company calle d Loancare. They  have turned me into the credit bureau twice in 6 months due to payments not being posted on time. They have also automatically changed my payment amount due to insurance review even though my insurance company has actually charging less. They dont process the payments when they get them so they are putting late charges on my account when the money is in. I am not the only  one out  there that they are doing this to. There are many websites of this happening to many others with exactly the same story. I have been on the phone with the m 20 times and they actually have hung up on me many times when they can not answer my questions. My credit score wa s  XXXX  before they bought my loan and since then it has dropped to  XXXX . I want to refinance but since my credit dropped i wont get the 3.5 % interest rate so maybe this is how they keep their customers. Please help.     Thank you  XXXX   XXXX   XXXX
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My fiancee and i were the victims of a scam. The gentleman contacted my fiancee from  XXXX . he was going to employ her to watch his daughter. He was sending us a check to get things for his daughter to play with, along with other items. he claimed he was  XXXX  and just moving into our area from somewhere. He sent a check, and we were unable to deposit it for the first day due to banking hours. He demanded we go to the bank deposit the check and give him his money. We then told him we did not want to watch his daughter anymore because of long hours at our current job. I was scared for our lives not knowing what he was capable of. i complied to his demands and deposited the check for  XXXX  into my bank account. Following that he demanded his money so i sent this money via   XXXX   XXXX   from a  XXXX . i sent the   XXXX   XXXX   in two separate transactions each for  XXXX . For a total of  XXXX . I was not aware that this was a scam, and when i caught on it was too late. I called the bank after going to the police, and they said they could not do anything to tell me if the check was fake. The bank asked if i made the transaction via   XXXX   XXXX  . My bank account the next day was in the negatives and he still demanded the other  XXXX  back of his money. I called the bank multiple times and they said there was nothing they could do. He has been calling from numerous numbers saying my name and his supposed name. i need my money back i have bills to pay. That was a lot of money taken out of my account, and the bank is blaming me for it. This is not my fault and i am the victim here. I need my money back.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Management Partners, LLC (PA)

XXXX   XXXX   sent information in  XXXX  about unpaid  XXXX  I sent them a check that same month, They never cased the check and I was never notified that {$63.00} was still due on the account, this company already was not paid by my insurance company due to them submitting the claim to the wrong department and now the submit a  XXXX  collection to my credit report using a credit collection agency and then did not use the correct address.     I called collection agency and they also sent the notices with incomplete address
Consumer complaint received 2022-11-16
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (MN)

The Navy Federal Credit Union issued a VISA credit card to someone using my name and SSN and living at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC, XXXX on XX/XX/2022 even though I had placed a fraud alert with all credit bureaus. 

I submitted a Declaration of Forgery/Fraud on XX/XX/2022, and the Navy Federal Credit Union has yet to complete their investigation of this identity theft and are continuing to attempt to collect on the debt for this account, which now amounts to {$4600.00}. They have accepted my documentation, and have stopped the card from being able to be used, but they have not completed their investigation in a timely manner and have been reporting false information to the credit bureaus.

The Navy Federal Credit Union never acknowledged receipt of the Declaration document, so I had to resubmit the declaration on XX/XX/2022. 

I have called the Navy Federal Credit Union multiple times and have spoken with many people in their security area as well as in their account services area, but this issue has not yet been resolved and it is now close to 90 days later. 

I have filed a report of identity theft with the XXXX Police Department in XXXX, MN. 
The report number is XXXX.
Consumer complaint received 2022-11-16
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. (GA)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ACCOUNTS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following ACCOUNTS DELETED as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (KY)

this is relating to a compliant # XXXX XXXX XXXX XXXX 
I printed off of the records that were sent to this web site.. I had not received many of these debt collection notices and trying to go over these and figure out why I then notice many of these notices did not have my correct address.. even XX/XX/XXXX you had my current address of XXXX XXXX XXXX... but XX/XX/XXXX and XX/XX/XXXX both letters were sent to the wrong address some where in XXXX XXXX and then an address in XXXX XXXX .... so i never received these letters ... as i have stated in my last letter XX/XX/XXXX i did try my best to pay this bill at the XXXX US bank and told that the books were closed then i never heard anything else till XX/XX/XXXX. ;. without any notice XXXX were taking out of my account with no court order, notice or anyway to try and make future payments the letter about making payments for 6 months i never received that notice.. but it was at the right address i do not know why i had not received that notice.. ( was that letter really ever sent i would like to see the post mark on the envelope if you do still have it ). I am asking you to please keep the money that was owed to make up for the out standing checks. but would you please consider omitting the bank fees so I can at least have a small amt of money to pay day care your reconsideration would be very much appreciated If this matter is not resolved I am prepared to take this dispute further for the sake of my rights and for my XXXX son .... I feel like my rights have been invaded that some one can take the money from my private account that the goverment gave me to further my education and help with my expense while XXXX I dont feel this was done in a rightful or legal matter XXXX XXXX XXXX
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/21 I received a text from someone from Bank of America asking did I attempt {$1200.00} declined on card ending in -- - at XXXX-Reply YES/NO/HELP. Don't want fraud texts? Reply REMOVE. ( see text upload ) I responded NO. Thereafter I got a call from someone saying they are from Bank of America asking if I made transactions in Texas. 
The person said my information is being compromised and that I needed to transfer my money to a XXXX acct. I than was instructed on how to do so on both my savings acct and checking acct. total transferred {$1700.00}. The person confirmed activity in my accounts, leading me to believe that this is an official representative of Bank of America. 
Once the transfer was complete, the phone line went dead and I called the number displayed on phone, to no avail. Bank of America feels they can't recoup any of my money because I willingly sent it. This is XXXX. Bank of America even admitted to me on multiple phone calls stating they are aware that it was a scam, but they can't recoup any of my money. Someone texted and called me pretending they are from Bank of America. I shouldn't not be held 100 % accountable, especially when Bank of America recognizes this as a scam. Pls. help.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX  account is incorrect and should be removed from my credit report. i disputed many times and it was removed correctly from credit bureaus after proper investigation ( see attachments ) but they keep showing back up on Experian report, reporting incorrect information. Experian removed it properly in XXXX and it is now back on for some reason I been battling with them and sent numerous certified letters without ANY answers from them!! they clearly violates my right as a consumer and wrongly report incorrect information on my credit report. I put them on notice, sent cease and desist letters, asking for valid proof of contract on this account... it is greatly impacting my credit worthiness i worked very hard for! 

Since they ignore the law and my letters, i am kindly asking you to make proper remedy to this and make sure my credit is reflecting accurate and true information! 
I appreciate your help!
Consumer complaint received 2017-05-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We refer to the case you have closed without anything is solved. Merrill / Bank of America did not address the real problem. Today I sent them an e-mail regarding this : Subject : Re : consumer financial protection case no XXXXXXXX XXXX From : XXXX XXXX To : ML Edge Self-Directed We do not agree with your letter ofXX/XX/XXXXin which you say, that you acted appropriate. How can it be that on XX/XX/XXXX XXXX XXXX from ML told us, that the wire room was researched extensively and on XX/XX/XXXXyou sent back the money. Does one not know what the other is doing in your banking system?? Maybe your work ethic needs to be researched. To go further with our claim we need as soon as possible from you : 1 ) the copy of the incoming wire of XX/XX/XXXX with all details 2 ) the copy of the outgoing wire which you sent back onXX/XX/XXXX With your e-mail of XX/XX/XXXX you told us, that the exchange rate on XX/XX/XXXX was XXXX - which was a determined false information from your side. You also said in this e-mail that you sent the money back on XX/XX/XXXX. In your letter of XX/XX/XXXX you said it wasXX/XX/XXXX. We need all the information in original about the exchange rates when you got the money in first place, when you sent it back and when you got it again.
Please send all this proofs within 1 week from today. Sincerely XX/XX/XXXX
Consumer complaint received 2022-11-15
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. (IA)

In XX/XX/XXXX, I was checking my 3 credit reports last week, and I saw an unidentified account called XXXX XXXX XXXX with a past due amount of {$400.00} for 60 days. I didn't know what this was. I put a credit freeze on all 3 credit bureaus, and a fraud alert. Experian is the only credit bureau who still has this account on my credit report. On XX/XX/XXXX, I called Experian, who opened up a dispute and gave me the phone number to XXXX XXXX XXXX. I then called XXXX, and they had me fill out complaint and affidavit. They said it was a loan through XXXX for {$1200.00}. The thief had been making payments on this account, then quit. I sent it back to them. I am upset, because this is NOT me and I want it off of my credit report. I believe the culprit was my ex-wife, who knows my social security number. If need be, I can provide you with a copy of all of my XXXX orders for the last 2 years. Thank You.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

In  XXXX  of  2016 , I purcha sed a log splitter from Home Depot. I applied for a credit card through Home Depot and was accepted. Hoping the information about the account would arrive soon in the mail but nothing happened. 6 months later I received a UPS delivery containing a letter stating that I was behind on payments and that I would need to bring the account up to date. I called the number on the letter which was from Citi bank and explained that I have not received any information on the account, there response was that they tried to contact me on my cell phone and my home phone. Both have recorders on them. I never received a phone call from anyone at Citi bank. the  original price was  XXXX  now it 's ov er 1600.00 they   say I owe. They asked for payment over the phone but I 'm not comfortable with giving my bank account number or SS number. when I decli ned Citi bank asked me to call another number and I did this morning which was another run around Citi then said to  call another number which was  XXXX   XXXX  which had no information under my name. I DO NOT KNOW THE ACCOUNT NUMBER signed : Frustrated
Consumer complaint received 2022-11-16
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these incorrect accounts. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX : {$35000.00}
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.