davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
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: 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 {$7600.00}, {$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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

I have filed a suit against XXXX  as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : https : XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XXXX data breach. 

XXXX is currently reporting fraudulent accounts to my credit file, these accounts were a direct result of Identity theft and should not be apart of my credit. 

The following accounts should not be apart of my credit file. 
1.XXXX  XXXX {$330.00} 2.IQ Data {$9300.00} 3.XXXXXXXX XXXX   {$820.00} 4.XXXX {$6000.00} 5.XXXX  XXXX  6.XXXX XXXX {$6900.00} 7.XXXX XXXX  {$170.00} 8.XXXX {$430.00} 9.XXXX  XXXX  {$370.00} 10.XXXXXXXX XXXX 11.XXXX XXXX 12.XXXX XXXX  {$4000.00} 13.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

XX/XX/2020 An original indebtedness letter was sent to the company to verify the signature and settle debt, however, the company has replied with a settlement letter and a copy of the bill and not the original application with my signature. The company is also not licensed in my state to collect a debt.
Consumer complaint received 2020-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIRST HERITAGE CREDIT LLC (MS)

I have applied for loan through first heritage credit and have not heard from them about my application. I have not received any letter in the mail for denial or approval. I am sure I have been denied but I am legally entitled to an adverse action letter. I havent received anything. My credit has been checked by them as I can see it listed as an inquire on my credit report. I have called a couple times to a couple different branches and I havent been able to get any information about anything. This is not the proper or legal way to do business. I applied for a personal loan on  XX/XX/XXXX and now it is XX/XX/XXXX and I haven yet to get any kind of answer as to what happened or to get a letter in the mail.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

I made a cross country move and charged the moving bill to my credit card on XX/XX/XXXX. The amount was over {$9000.00} and my credit limit is {$12000.00}. I made an {$11000.00} payment on XX/XX/XXXX by logging in to my credit card account and choosing " pay from bank account ''. I received notification on XX/XX/XXXX that the payment had been successfully made and credited to my account. On XX/XX/XXXX I attempted a charge with my credit card and it was declined. I phoned the credit card company and was informed that my card was declined because I was over my spending limit. While on the call, I logged in to my bank account and informed the credit card representative that my checking account shows the payment was withdrawn and paid to CitiBank Advantage on XX/XX/XXXX. I was then informed that Citi had placed a hold on my payment to prevent fraud. I inquired how often fraud happened by someone fraudulently paying off someone elses credit card. This was not to prevent fraud. It was to earn interest for Citi on my payment amount while freezing my account and not allowing me to make charges. My credit card statement was issued on XX/XX/XXXX and shows the payment of {$11000.00} to my account. I was still told that my account was over the spending limit and therefore could not be used until XX/XX/XXXX. This is unacceptable and yet they have refused to do anything about it.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I was approved for a loan on XX/XX/20. I uploaded all I come verification documents and all other necessary steps. I had multiple conversations with underwriters in required documents. One was illegible in the upload so I completed it and called to verify. I was the. Told by an underwriter that my home address could not be verified and that their data was showing my old address and they declined the loan. The loan was approved with the new address and my old address listed ( which I also verified ),  as well as my drivers license number, and a paystub and offer letter from my current employer. I verified dates of residence, etc. I was given no opportunity for additional identity verification and was purchasing from their preferred dealer. After approving me, giving the car information, and moving forward ( including making a deposit and travel arrangements to pick it up ) they then rejected the application.
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I called The credit bureaus on XX/XX/XXXX after noticing some inquiries on my report that do not belong to me regarding mortgage lending. I asked for them to be removed as according to the FCRA, legally these unverified and unauthorized items must be removed.
Consumer complaint received 2020-10-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc. (MD)

I contacted RA Rodgers, a collections agency in Maryland to send me a professional letterhead with my payment History on it for each authorized payment and not a lump sum, like they been doing. They keep lumping separate payments into a lump sum on paper And my creditor does not understand this and they do it intentionally. They have not given me a professional looking payment letter that references the accounts in question and the lender in question or their company.They also have not reported any payments to the credit bureau even after telling me they do. I never got one thing in the mail or by fax and they argue on the phone about doing their job. They keep denying me information to verify my debt.
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CT)

A transaction was performed through Cash app XX/XX/2020 without my authorization for a debit of {$85.00} to an individual for services,. The services were not performed and i requested a refund back through the individual just to have them deny the refund. I reached out to cash app to resolve they did not they advise go to there website. I reached out to my XXXX bank to report it they replaced my card as a resolution. i still have not received a refund and i lost {$85.00}. As a consumer it seems i have no rights and individuals can use a 3rd party like cash app to scam people out of money. I have spoken with a supervisor at XXXX and he simply advised me i am not protected by 3rd party transaction even though its my money. I have been with XXXX for 25 yrs and can not believe there is no protection for there customers from 3rd party scams involving Cash App
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc. (OH)

I received a letter from your company stating that I owe an outstanding balance ( see your letter attached ). I would like to let your company FEDERAL ADJUSTMENT BUREAU INC XXXX know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt. So, I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned that debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor. 6. Name and address from the original creditor.
7. Company if the original contract bearing my signature.

8. Where is the notification of debt?

9. Proof of transfer of debt.

10. How was the interest and accounting principles accrued?

11. Where is the exchange of title of ownership?

12. Where is the contract for 1319.12 ORC Taking Assignment of Debt ( C ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Thank you for your time and cooperation
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Hi, I have a Citibank dividend card. The card is no longer available to apply. For years now citibank has wanted me to change the dividend card to another type. I decline the offer every time. On the XXXX of XXXX citibank closes my account citing that I havent used the card since XXXX. I logged in last night and could see the charge I made at XXXX store in XXXX ( I dont remember what date. ) Today when I called customer service stated, we see no charges all the way through XXXX but we do see a payment in XXXX. How does that make any sense? What would I be paying if theres no charges? Oddly enough all my charges disappeared from citibank, and I have no printed statements. I do have the payment I made through my chase checking account which was made XX/XX/XXXX, for the charge I made at XXXX in XXXX to my dividend card. 

Closing of the card affects me in different ways. I know to use all my cards to avoid closures. Closing the card affects my credit score. I  recently refinanced a mortgage and had to buy a car. This is my oldest card going back to around XXXX. I will settle for a product change of the card as long as the account isnt reported as closed. Keep the dividend citibank! 

Again, I could see the charge on my dividend card from XXXX, and now its disappeared. I feel like citibank did whatever it takes to force a closure of the account. Im not sure why they want to get rid of this product to this extreme.
Consumer complaint received 2020-10-20
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: Ability Recovery Services, LLC (LA)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XX/XX/2020XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.
Consumer complaint received 2020-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have repeated dispute XXXX XXXX inaccurate information that's on my credit report and Experian has repeated refused to correct my credit report despite evidence that the information could not be true. The last disputed result on XXXX shows the inaccurate information remains. Experian can not substantial that result with the evidence I provided and again include here. Specifically, on XX/XX/2016 when XXXX XXXX reported my account charged off for nonpayment, my account was current and all past due payments had been paid prior to that time as evidence from my Bank statements from which XXXX XXXX electronically withdrew the funds. Only Experian appears to be able to " validate '' the accuracy of this reported information, not even XXXX XXXX has been able to do so before this XXXX. I filed a complaint with this Bureau and after months and many extension of time, XXXX XXXX is unable to verify and attest to the accuracy of the information they provided to the credit reporting agencies. This Bureau is still awaiting a response from XXXX XXXX. 
>>>>>>>>> Similarly, the other credit bureaus were unable to validate the information received from XXXX XXXX and their investigation led to the deletion of the inaccurate information from my credit report. They were provided with the same evidence that Experian received and which I will once again attach here.
Consumer complaint received 2020-10-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Equifax several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has been a victim of identity theft. In addition, how can EQUIFAX currently have stated the last payment of this account was XX/XX/XXXX WHEN IT CLEARLYSHOWS THE LAST ONTIME PAYMENT WAS MADE XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Equifax seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for Equifax to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try to resolve this matter
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

In need of some help! I believe I have a freeze on my account. I'm not sure as to what is going on. As of right now I am un able to obtain a saving or checking account. I cant get financing for a vehicle or can't apply for a credit card. It is very imperative that I open an checking or saving for Social Security payments. Please Help Me Fix This ASAP! 

Also, If it is not a freeze please point me in the right direction on how to fix the problem. 

My name is XXXX XXXX XXXX. 

Thank you in advance!
Consumer complaint received 2020-10-20
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: National Credit Systems,Inc. (TX)

Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX  and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IA)

On XX/XX/2020 my chime account was hacked and all my money from savings and checking was sent to a stranger. I called them and pointed out XXXX dollars had gone missing. I filed a complaint, the man said they were hacked but I would prob not get my money back.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

I am receiving Pandemic Unemployment from PA. PA is using US BANK RELIACARD Debit card to disperse the money. Everything was fine and for the past 2.5 months, they have frozen my money and will not release it to me. I need that money. I have complied and sent my ID in and they still will not unfreeze my account. It is virtually impossible to contact them by phone so I do so on twitter and they say to send the info via the app, which I have done.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Our home was lost during the national disaster XXXX XXXX XXXX here in XXXX California on XX/XX/2020. I have been making monthly payments but can not continue to do so while actively looking for a place to live for my family and I, rental agency 's are NOT approving me because the mortgage is still shown in my debt to credit ratio. I've called multiple times not getting anywhere with anyone within the company. My insurance company paid out the claim on XX/XX/2020 and NewRez / ShellPoint was stating they hadn't received payment yet while using funds from this insurance payment for my XX/XX/2020 monthly payment ...

I've called countless times trying to see about a forbearance since there is no home on the property to live in, I was told I would receive a letter / email confirming this and have NOT heard back. No one is calling me back and this is causing EXTREME hardship to my family.
We have no where to live and this company is making my family suffer. I thought it was going to be difficult working with our insurance company and to my surprise the biggest obstacle has been the mortgage company.