davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. IT HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/20 30DAY DEMAND XX/XX/20
Consumer complaint received 2020-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I ordered a pool online and paid XXXX to a company named XXXX. I sent the money through paypal. The pool never came so the company sent my money back to paypal but paypal wont give it back to me. I have documents to prove everything from my reciept to the company XXXX email telling me that the money was sent to paypal and for me to contct them for my refund. Paypal has blocked me or something. I try to contact corperate but they dont return my calls
Consumer complaint received 2020-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I opened a Citi gold account ; linked my XXXX account on XX/XX/2020. Citi bank made credits and a debit for verification and asked me to verify those cents. After the verification they linked the XXXX account in their web site on XXXX. I made a transfer from the Citibank web site on XXXX of {$78000.00} and the money was credited XX/XX/2020 Auto S1 Debit CITIBK CK WEBXFR TRANSFE - {$78000.00} The Citi bank electronic transfer team tried to reach me for verification, but unable to contact me and the rejected the transfer on XXXX and said that the money will be returned to my XXXX account in 3 to 5 business days. But I do not see the money credited back to my account. When I contacted the Citi bank, they told me to reach to my XXXX XXXX and ask for the money. I contacted the XXXX and they did not see any transfer back from Citi to my XXXX account. The rep from move money team of the XXXX XXXX  was very helpful and she was in a conf call with Citi rep asking for the details of how the money was returned to XXXX. The Citi rep is unable to provide any info / offer any assistance. I need help to get the audit trail of the money and have it credited back to my account and either complete the transaction or return the money.
Consumer complaint received 2020-09-03
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. (VA)

My accounts with us department of education were closed and turned over to XXXX XXXX. The us department of education continued to report the accounts delinquent each month even though they sold the accounts. My debt is being reported twice creating double the negative impacts on my credit report each month. Furthermore, I paid the accounts in full in XXXX they were still reported late and again in XXXX. My taxes were offset this year, I filed my taxes in XXXX and received my offset letter in XXXX, yet somehow I was returned the offset, in late XXXX, despite the cares act stating the returns were only for taxes filed on or after XXXX. Because the offset was refunded, a balance was created on the account, which the department of education sent to the servicer and added a % 17 collection fee ( about {$1000.00} ) despite the fact that I paid the account back off within 30 days of the new balance posting. They refused to waive the % 17 fee despite the policy being that it wont be charged if the account is paid within 30 days. Instead they settled the account and reported it not as paid in full but paid for less than the balance. The loans already had a % 17 fee charged when they were originally sold to the servicer, prior to the refund or payoff. The accounts should not be reported as delinquent each month  throughout the duration of time they were with XXXX XXXX. They fraudulently refunded my tax offset and charged me another XXXX dollars on an account that was paid off. The accounts are not reported the same across all bureaus. I have called several times and am told they can not force report information, despite my telling them the inconsistencies in my reports. I filed a complaint with student aid and they did not address any concerns except to say my loans may have been reported delinquent prior to default. This is not true as my accounts have been reported delinquent each month up to and including XXXX of XXXX. All of my outreach to them has only caused them to add further negative remarks and brought my credit score down by almost 100 points since I paid them off! This is unfair, unethical and fraudulent. They referenced the education act of 1965 to combat my reference of the Fair Credit Reporting Act, which is the most recent of the 2. I was in the process of buying a home with my VA loan when they caused so much damage to my credit that I can no longer qualify. My family and I were temporarily homeless as a result. I dont understand how a federal agency can do these things and have no repercussions or be held to any type of standard.
Consumer complaint received 2020-09-03
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: Experian Information Solutions Inc. (GA)

XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, XXXX XXXX contacted me. I again questioned the validity of the information. XXXX XXXX sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. I agree contacted XXXX XXXX upon which they sent the exact same incomplete information. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. Recording of the agent agreeing the information is inaccurate
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (AZ)

On XX/XX/2020 I went to the official First Citizens website and saw a simple offer of open a new checking account and use the debit card 10 times within 90 days and then I was expecting to receive {$300.00} deposit. This bank has not paid me a XXXX. This has been deception and false advertising. The bank has not made good on their public offer!
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My mortgage account is in forbearance under the CARES Act effective XX/XX/2020 to XX/XX/2020 or for three ( 3 ) months. Hence, I did send a payment on XX/XX/2020. 

However, about the middle of XXXX I requested for a pay-off quote which I received, in writing, on XX/XX/XXXX with a good through date of XX/XX/2020. 

On XX/XX/2020, at a banking institution ( branch ) in XXXX, IL, with the assistance of a teller and their manager, the amount of {$140000.00} was transferred.moved from my personal checking account ending in XXXX to my mortgage account ending in XXXX. 

The amount transferred was the exact same amount as the one in the pay-off quote. 

Monday to Thursday, XX/XX/XXXX to XX/XX/XXXX I kept calling BofA customer Service. I was transferred multiple times from Customer Service to Mortgage to Collections and back. And the wait times were horrible to the point that it would sometimes reach an hour. For a conglomerate such a BofA I find this as unacceptable. You do not value your customers ' time. Furthermore, whenever I do talk to a live person nobody could assist me as to what is going on. 

My mortgage accounts is till showing a balance and everything is on hold. Release of lien,  forwarding to the recorder 's office, title, etc. It is as if the whole process stopped and nobody in BofA could or would resolve the situation. 

My contact phone # is XXXX.
Consumer complaint received 2020-08-07
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. (LA)

On XX/XX/XXXX, I filed a complaint with CFPB Complaint ID # XXXX In regards to Equifax allowing a deleted collection account from a year ago, to report again. I submitted police report and evidence that the account was deleted in XX/XX/XXXX. 

On XXXX XXXX, I received a letter from Equifax asking me to submit my license and a utility bill to verify my identity. That they could not find my file using the information I provided. 

HOWEVER, on XX/XX/XXXX, I uploaded my license and utility on Equifax.com to remove an address that didn't belong to me. 
I also spoke with a representative the same day and created the initial dispute for the collection account in question. 
It was at that time, that the representative stated that she " updated '' my file. 

Due to the NEGLIGENCE of Equifax representatives, who verified that they were able to view my license and utility bill that were submitted. I am being asked to repeatedly provide the same information multiple times and my issue isn't getting solved at all. 
They also do not show all relevant information pertaining me as XXXX and XXXX do. 
This is all an error on their part. They are refusing to correct the problem while stalling with asking for the same information that I have provided very recently to several representatives. 
If they do not have the proper information on my credit file, how are they " verifying " that the disputed accounts belong on my file? 
This is outrageous and not at all my fault.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

Recently, credit reporting agencies refuse to deliver online versions of my free annual credit report. Instead, they insist on my mailing in a request. In fact, I can then receive the hard copy report by mail. However, I then need to scan the paper copy into my computer, in order to minimize my paper records. 
What must I do to get online versions of my free annual credit report? ( There are no telephone numbers available to me to allow me to speak with a knowledgeable representative at any credit agency to solve this problem. )
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy federal credit union, took out XXXX dollars out of my checking account after I found a discrepancy in a dispute on XX/XX/2020 I filed a dispute on some transactions and the rep on the phone I found out later on that this person disputed the same transaction that navy federal credit union already resolved it was a transaction of XXXX that was charged by XXXX  fraudulently, this morning I found that my account was charged for an amount of XXXX dollars that I didnt even know that in my account, it put my account in the negative, I had called several people about this issue and know body wanted to help, several people couldnt even keep their story straight over the phone and basically I was being accused and called a liar, I treated badly and disrespected by a supervisor and a manager name XXXX, Im filing this complaint to have this fixed or ill take my business else where. Im not going of tolerate being called a liar when I know what happen to me, my account was charged illegally because someone disputed the same charge after navy federal credit union already resolved I want to speak to executive relations of navy federal credit union, I dont appreciate and Im tired of being treated badly by this credit union I also turn this over to the better business bureau for help, I got hung up on, and told wrong information, I want this resolved and my account credit back, I  did not see any thing of XXXX dollars ever credited to my account, please resolve this matter and reach out to me I want the executive customer relations to reach out before I close my accounts with navy federal credit union.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (FL)

I am submitting a complaint regarding a collection account appearing on my credit report from Rent Recovery Solutions, LLC with original creditor XXXX XXXX in the amount of {$9200.00} that does not belong to me. I have reached out to the collection agency that is reporting the account to the credit bureau requesting that they validate the debt. 
I have also disputed this directly through XXXX  credit bureau with no results. 
After requesting validation of the debt Rent Recovery Solutions, LLC sent out a copy of a rental lease on XX/XX/XXXX. However, the documentations do not include my full name, it has an unknown address and a ( non-wet ) electronic signature. 
I explained to the collector that they have the wrong person because I did not rent a property in XXXX, I have been a homeowner since XXXX. I also stated that I am not familiar with the property address that they provided. I requested for Rent Recovery Solutions, LLC compare my social security number with the social security number they have on file for the debt and they refused. I offered to send a copy of my social security card to validate my identity. I was told the only way to dispute the account is by filing a police report claiming identity theft. 
I believe by reporting this to the police as identity theft I would be committing perjury. I have no reason to believe that my identity was stolen. 
Rent Recovery Solutions, LLC failed to validate that this debt in fact belongs to me.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I have been trying to make all of my accounts current at this time. American Express sent me a statement asking for a minimum payment of {$810.00} on or before XXXX. I sent the payment in on XXXX  and it was accepted. They are now telling me it has been sent to an agency and they can not speak to me on the account. I just wanted them to send me proof that I was current and to continue to accept my payments. They should not have accepted payment if they were not going to work with a customer willing and ready to make payment. I have been a cardholder in good standing for 13 years before my financial hardship.
Consumer complaint received 2020-09-02
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: Experian Information Solutions Inc. (CT)

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Consumer complaint received 2020-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

Paypal permanently locked my account and will not tell me why. I am a first time seller on XXXX and opened the paypal account to receive payments for items sold. All the information I gave them was 100 % correct and accurate from my email, name, address, phone, bank account, and so forth. Again everything was 100 % accurate. I sold 1 item for the first time on XXXX  that was in perfect working order exactly as described shipped by USPS with tracking that was received by the buyer. Soon as the funds became pending in my paypal account they limited my account and required that I submit a copy of my photo ID along with a description of where I was receiving payments from. I complied with their request the very same day sending them a copy of my ID and a description that I was using paypal to receive payments from buyers on XXXX purchasing items of mine that are personal property of mine such as collectables and electronics. The item I sold was a XXXX gaming console and I included a picture of the sale from ebay. The very next day I logged onto paypal to see if the money had been released to find out that my account had been permanently banned. I did nothing fraudulent at all and 100 % complied with their request. I tried to call them but they are not offering customer service over the phone at this time so I used the message center on their website to try to find out why this was happening to me. I was passed along from representative to representative, all telling me the same thing that " the account is permanently closed and they can not provide an explanation '' and simply that " they looked into it and this is the decision they have come to ''. They are holding my funds for 180 days and will no longer allow me to use paypal in the future basically preventing me from ever selling anything on ebay ever again. This makes absolutely no sense to me as all my information was correct, I was not selling anything illegal, and the item I sold was as described in perfect working order and it is my very first sale. I did absolutely nothing wrong and they will not provide me with any explanation. I do not understand how what they're doing can even be legal as again I have done nothing wrong and provided all information to them to prove I was doing nothing wrong.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SoFi Mortgage, LLC (MI)

Initial loan application was placed on XX/XX/20 for refinance with SoFi Mortgage. Over 2 week delays multiple occurrences in response times for any actions to be placed on the loan. During those times of no response multiple calls and emails were sent. This has happened now for 130 days since origination with no signs of an end. 

Paid for appraisal on XX/XX/20 with receipt. Closing disclosures sent showed appraisal being charged again at time of closing. Payoff amount shown on closing disclosures {$1200.00} more than payoff amount quoted from current lender ( same date of payoff ) Credit was pulled a second time without authorization from myself or my wife. No confirmation from SoFi that this is corrected. 

Closing was scheduled to take place XX/XX/20 with a signing agent ( SoFi Scheduled ). SoFi never sent the documents and did not answer calls or emails from the agent to get the documents. No clue when/if the loan with close now. 

This company is deceptive and unworthy of business.
Consumer complaint received 2020-08-07
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$120.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00}
Consumer complaint received 2020-03-19
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: Experian Information Solutions Inc. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.