davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IN)

I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I as that you please remove all these false misleading inquiries from my credit report so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.US SM BUS ADMIN ODA XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX XXXX. XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-26
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. (NY)

To who this may concern, I am a victim of Identity theft. There were fraudulent accounts opened up in my name that I request be removed from my report. I can't move on with my life. My wife and kids are dependent on me and I need you to help me. I have filed a report with the FTC that is attached with my ID and a notarized letter stating the accounts that are fraudulent on my credit report to prove my Identity that it is me.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (FL)

I ordered an outfit from XXXX XXXX using my Paypal account on XX/XX/21. I paid for overnight delivery as I needed the outfit for XXXX XXXX weekend. I received an email on the next day indicating the package was delivered. I got the attached email stating it was delivered ; however, nothing was at my door. In fact, the email did not include the apartment number, but the original order confirmation email does. So, who knows what apt got the package. Paypal denied my claim twice. This is not fair! Even the XXXX site do not even have the exact address so, how can they prove that I received it? I pay my bill in full every month so I don't need to lie about {$60.00}! XXXX XXXX refused to refund as well.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

Citibank has twice determined that we are responsible for a fraudulent charge on our credit card. They advised that we are responsible because the card was in our possession at the time of the charge. Per the bank, the transaction occurred on XX/XX/XXXX at XXXX XXXX CST, in XXXX, XXXX. We can prove that we were in the United States at that time and we have provided that proof to Citibank. 

We visited XXXX from XX/XX/2021 to XX/XX/2021. We made a purchase at a t-shirt shop while in the XXXX on XX/XX/2021. During that purchase, the shop owner took our card out of the store for 10-15 minutes saying she could not get internet reception on the card reader. We think that somehow the card was tampered with during that transaction. My husband tried to use his card after that and it did not work. 

The disputed charge was for {$7300.00} from a liquor store in XXXX. We did not enter a liquor store while we were in XXXX. Furthermore, we left XXXX on XX/XX/XXXX to go to the XXXX, and then flew to XXXX XXXX 8hrs from XXXX XXXX, and then flew back to the US from XXXX on XX/XX/XXXX, the day prior to the charge. This charge was completely out of character for us ; we have never spent anywhere close to {$7300.00} while out of the country. In addition, a second charge was made after the first for {$7700.00} from the same company. We received a text regarding this charge and immediately advised that we did not make the charge. We called Citibank as soon as we received the text and cancelled our cards and obtained new cards.
Consumer complaint received 2021-03-25
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. (IL)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-03-25
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. (PA)

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, ( INSERT CLIENTS NAME ), also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TN)

A collections company suddenly showed up on my credit XX/XX/XXXX saying I owe XXXX cellular {$520.00} from an account that I closed out XX/XX/XXXX. I contacted Amsher Collections to inquire and request information but they wouldnt give me any. Then my wife and I on several separate occasions tried to get information from XXXX regarding the account and they willingly admit there was a {$0.00} balance and they dont know where this charge came from. In the mean time, my near perfect credit is being damaged beyond repair and I dont know if I have a choice but to pay this. I have considered getting a lawyer to track this down out of principle but ideally would not like it to come to that. All I am looking for is information to prove money is owed and it is not a mistake or scam and XXXX reps have constantly claimed they are helpless to find a solution
Consumer complaint received 2021-03-25
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. (TX)

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
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. (IL)

On XX/XX/XXXX I sent certified letters to XXXX, XXXX, and Equifax to dispute an error. As of today, XX/XX/XXXX I have not received any responses from the bureaus ; it's been more than 30 days. All CRR cards were stamped received XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This item disputed need to be deleted because they have failed to respond to your written disputes within 30 days. The bureaus are supposed to provide me consumer protection afforded by the FCRA. They have violated FCRA Section 611 Part ( A ) ( 1 ).
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-03-25
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: ERC (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I bank with Capital One and I filed a dispute for a {$400.00} purchase from XXXX. The items purchased were not as described. I purchased hair with the intention of bleaching the hair to then dye and customize for my business. I supplied multiple forms of proof that the hair was described as being able to be bleached by the seller. But the hair was, in fact, not able to be bleached. The seller 's defense was that the items were not described this way, but I submitted screenshots of the seller 's website showing that the items are very clearly described this way XXXX the description is still currently published on the website ). I also reached out to ( 2 ) other hair companies and had them confirm in writing that the hair provided was not as described and could not be bleached. Nevertheless, Capital One has decided to deny my dispute and charge me for the items purchased. I do not believe I should be charged because the seller 's defense that they did not described the items in this way is clearly rebutted by the fact that the very same description of the items is still published on the website and available to the public. It honestly feels like Capital One did not even attempt to look at the facts provided or advocate for the consumer at all.
Consumer complaint received 2021-03-24
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. (TN)

On XX/XX/2020, I 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 for my disputes and concerns.

Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-24
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. (NV)

Experian has been stalling and not investigating the disputes about my credit report. I repeatedly receive the same computer-generated report each time I ask them to provide verification and address specific information. They ignore each request with a computer-generated response. They claim in their automated response that they verify information but that's not true because inaccurate and incomplete information is still being reported on my credit report. There are several violations that they fail to address or correct. For example, On one creditor it is reported 23 times that the account was charged off. One account can not be charged off 23 times. This similar situation is reported on other accounts. 11 charge offs for the same creditor, 21 times charge offs are being reported for the same creditor. More and more of these appear on my report. There is missing payment history that doesn't line up with the reported data on the report. Missing information. Balance histories that are not accurately reported. I have several accounts and each creditor is reporting wrong dates. Wrong information in the comments. I tried going directly to the bureau but this has gone on for months and now I'm upset. It has damaged my credit and I'm paying higher fees and interest because of their negligence and unethical practices when it comes to the consumer and reporting information. This isn't right and an attorney should look over this report and what they are doing.
Consumer complaint received 2021-03-24
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. (OH)

I have expressed my concerns with synchrony bank along with equifax and experian about this fraudulent account that is on my consumer report and each company refuses to delete the account from my consumer report. Even after i sent all the proper documentation including ftc identity theft affidavit. Furthermore not only does the synchrony bank trade line not belong to me they are reporting inaccurate information as well reporting a balance of {$4000.00} to equifax and reporting a balance of {$4100.00} to experian that is proof that this company is reporting inaccurate information. Disregarding federal law that all information reported to a consumers credit report should be 100 % accurate i demand that this account is removed immediately. Thank you.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (AZ)

I logged into my mobile app and looked at my checking account. I noticed two charges on my account and i went to look for my debit card, which it had been stolen out of my wallet. I called SIMPLE and reported the debit card missing and the fraudulent charges, i was informed that i needed to wait for the charges to post to my account and no longer be in the pending status. While i was ending the call and before they cancelled my card a 3rd charge became pending in my checking account. so now it was a total of 3 charges that were pending and one that had already gone through. After receiving my new card i would be checking my account waiting for the charges to clear and not be in pending status any longer. so i could call and file the fraud claim. After i filed the fraud claim i waited for the investigation to finish and for the funds to be put back into my account. I received the outcome of the investigation today and they said they made a final determination on my dispute claims and based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and that this matter is considered closed. 
The reason for denial is stated The cardholder was active in the account at the time the disputed activity took place, logging in simultaneously with the disputed charges also that there were no excessive PIN declines. Let me just say that whoever stole my card obviously didnt know my PIN number and therefore they used the Credit option, hence the reason why the transactions were pending for so many days. i was logging in simultaneously due to the fact that i was checking to find out when the charges would no longer be pending and they would post to my account so that i could file the fraud charges and they could begin working the investigation. I have reached out To SIMPLE asking for a detailed log of everytime i was logged into the system and from which device, either my cell phone or computer. i have asked for the paperwork to which they used to come up with the findings of the investigation. I am going to be seeking legal action again SIMPLE and would love to find out how many other people have had fraudulent charges on their accounts but SIMPLE refuses to refund them the money???? This i will be taking to my Attorney Generals office as well to see if this is something they can investigate or look into as well.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

LOAN ID # XXXX I would like to share with you and file formal complaint regarding my experience during refinance with Citizens Bank. 

I started my application online around XX/XX/XXXX. On XX/XX/XXXX, I received welcome letter, and on XX/XX/XXXX, I received Loan Estimate. Considering I provided all necessary documents and permission to run my credit report before XX/XX/XXXX, but still Loan Estimate took up-to XX/XX/XXXX, to be issued, which is already in RESPA violation. 

My initial loan officer was XXXX XXXX, who periodically called me with assurances everything is going smooth, and we are on schedule to close soon. Since day one, I was sending emails, made calls with request to order immediate subordination of my HELOC loan, and order the CEMA. I new those two documents may take from 6 to 8 weeks to get. But my loan officer told me everything is under control. 

In the beginning of XXXX of XXXX, I started to leave voice messages and sent emails requesting with the status update. To my surprise, my loan officer already left Citizens Bank and join another bank. I never got any notifications who will handle my loan. 

I finally manage to get his manager XXXX XXXX, he also assured me that new loan officer assigned, and will give me loan status by the end of the day. That was on XX/XX/XXXX, as of today, XX/XX/XXXX, I am still waiting. 

It is impossible to get anybody on the phone, and even public number for corporate headquarter is not working. 

I found this very strange and annoying the way to treat customers. 

In addition, I am XXXX XXXX XXXX, and feel I got age discrimination and unwillingness by Citizens Bank to provide me with the services and new loan approval. 

This Citizens Bank employees misconducts create me financial burdens since I am still paying higher rate. In addition, if they would not be able to close my refinance I will have financial damage over {$150000.00} due to my current rate, new rate I was quoted, and terms left on my current loan. I am strongly feeling this misconducts may have legal consequences, and should be answered appropriate. 

I am requesting Citizens Bank to provide me following information : 1. Date when subordination agreement was ordered ; 2. Date when CEMA was ordered 3. Point of contact who can provide me with weekly status update I hope my experience will be addressed properly, because I do not believe any customers deserve this. 

Respectfully,
Consumer complaint received 2021-03-24
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. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days and almost 60 days later I have still not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 45 days so they need to be removed immediately! I demand these inaccuracies be removed immediately or I will file for litigation due to the stress you have caused me. I am trying to get a mortgage to buy a home for my family and this is holding me back. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person