davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a letter on to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

NO WORDS CAN EXPRESS MY EXTREME CONFUSION AND ANNOYANCE REGARDING THE PERSISTENCE OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT!!! YOU WERE ABLE TO EMAIL A CORRESPONDENCE SHOWS NO EXISTENCE OF FRAUD ACCOUNTS AND SHOWS POSITIVE OUTCOME OF XXXX XXXX. YET, THIS CAUSE ME CONFUSION AS THERE WERE NO DETAILED INFORMATION REGARDING THE DISPUTED FRAUD ACCOUNTS EITHER THEY WERE DELETED OR NOT. IM AFRAID THAT THOSE FRAUD ACCOUNTS MAY PERSIST ON MY NEXT CREDIT REPORT AND KEEP ON TARNISHING MY CREDITWORTHINESS!! THIS PROBLEM HAD CAUSED TROUBLE TO MY SLEEPING ROUTINE AND MY HEALTH AS WELL.

PLEASE STATE THAT THESE ACCOUNTS ARE ALREADY DELETED!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!!XXXX XXXX XXXX XXXX - PLEASE DELETE!!!! 
I am reporting these fraudulent accounts, providing you with comprehensive evidence, including correspondence that unequivocally proves the non-existence of these accounts. I have attached copies of the documents previously submitted for your reference. The validity of my claim is irrefutable, and I expect prompt action to rectify this matter.

It is both disheartening and incomprehensible that, despite the evidence I have provided, these fraudulent accounts may persist on my credit report. This oversight on your part is not only causing me undue stress and frustration, but it is also damaging my financial standing.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (VA)

On XX/XX/2023 I went to the dealer to trade in the car. The dealer said they would pay for the car, so the debt is gone, but the bank keeps calling, charging and threatening that my credit will be ruined.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 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 2022-12-20
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

An account name XXXX  XXXX  is reporting a repossession that is incorrect. This information was challenged a little over a year ago. This account was dispute because it could not be verified. My ex wife filed bankruptcy in 2015 and put the joint account on a payment plan. This resulted in the unverified information to appear back on my report. I resubmitted a re-investigation for thid account again. 2 credit bureuas XXXX and XXXX  deleted the item but transunion will not budge. I have called transunuon, sent letters and have given the creditor 2 months to verify the information and still it comes back unverified by transunion will not remove the account. Federal law states that if any information is to be re-inserted back on the consumers credir report the credit bureuas have to notify the consumer within 5 days. This was not done. I am requesting this inaccurate information be deleted as soon as possible due to a violation of the FCRA section 611.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX  I purchased 2 flights from XXXX XXXX which totaled in the amount XXXX for the two tickets. The purchase was approved since I had more than enough funds in my checking account, and they naturally put a hold on the XXXX until the funds were taken out, although it immediately affects your available reflects on your available balance. XXXX actually took out the funds, the transaction for the 2 flights tickets posted as XXXX separate transaction $ of XXXX, the hold for the XXXX still as a pending transaction. According to XXXX customer service there's nothing they can do that's it's on the bank to released the hold since the money for the flight clearly came out of my checking account. Capital one saids that's there's nothing their can do that's it's on the merchant. Going back and forth between the two entities the message was that there was nothing they can do .... Those XXXX pending transaction that will take 4 business days to post XX/XX/XXXX ( after XXXX ), send my checking account available balance on the negatives, and has force me to live my life using credit until the XXXX pending transaction falls off my checking account. As ordinary I shouldn't be held responsible, and be force to live on credit possible negatively affecting my credit because capital one does not want to removed that pending transaction which I already paid for. In another word, as of this moment the reality is that I've been charged twice since the pending transaction is a charged. It doesn't make sense, that two giant companies can take my hard earned money, and leave me with an overdrawn account, living on credit, effecting my credit scores while they both do nothing. I spent a couple hours doing research and this is an issue common which people has been dealing for over half a decade and is unacceptable. I should be reimbursed every dollar I'm forced to used out my credit card.
Consumer complaint received 2023-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

I requested that LVNV Funding send me a copy of an original contract with my original signature, showing that I entered into a contract with LVNV Funding. I have never signed any contract with this company, and I asked them multiple times to remove the item ( {$17000.00} ) that was placed on my credit report. I ask that this be removed within 30 days. I also contacted the three credit bureaus, and it was removed by XXXX, but XXXX will not remove it stating that " they will continue to place it on my credit report because the company LVNV Funding says that the information is correct. ''
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to dispute the accuracy of certain items on my credit report from your bureau. After reviewing my credit report, I have identified several inaccuracies related to late open accounts, a charge-off, and a late closed account. I respectfully request that you investigate these discrepancies and make the necessary corrections to my credit report. I believe these inaccuracies are negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate these accounts and make the necessary corrections to reflect accurate information.I understand that you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that the information on my credit report is accurate and up-to-date. I request that you promptly investigate these disputed items and, if found to be inaccurate, correct or remove them from my credit report. Enclosed, please find copies of supporting documents, such as my Driver 's License and Proof of my Address attached on my letter. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated credit report once the corrections or a removal have been made. Here are the following accounts that needs to be corrected or removed. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$11000.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (GA)

Rocket mortgage is falsifying information stating that a property that I finance with them is not my primary residence. I have submitted several documents to them including tax returns, paycheck, stubs, voter registration car registration showing that the property is indeed my primary home. XXXX XXXX intentionally putting my account into default because it refuses to accept my mortgage payments. Instead rocket mortgage please games, just sending you back and forth to a law firm that never respond or even answers the phone. It is their intent to fraudulently foreclose on my property in an effort to gain access to the value of my home. XXXX XXXX is indeed trying to scam me out of my residency and they need to be exposed to their fraudulent activities. They have certainly violated several practices of the federal truth in lending laws and they need to be thoroughly investigated.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

I paid a security deposit of {$500.00} to XXXX XXXX  XXXX  on XX/XX/24. They didn't rent me the car and sent the deposit back on XX/XX/24. It was posted to my account but the funds were not released into my account as of XX/XX/24. I have called the bank numerous times and they said it takes XXXX business days. It has officially been XXXX business days now and I still have not received my money.
Consumer complaint received 2022-10-05
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: CMRE Financial Services, Inc. (OK)

Hello, I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XXXX and XXXX  I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the XXXX, Equifax and XXXX has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. 
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 I have attached the letter that was sent to each bureau as well the certified receipts
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had my bank of america account for over 3 years now. And have been making payments 100 % on time since XX/XX/XXXX. 

Back in XX/XX/XXXX there is a mark that shows that I missed the payment. Although the payment may have been delayed, I believe that for good will this should not be counted against me. Due to momentary financial issues I wasn't able to pay but I have before then and since then.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

Theres too many to list. I jumped onto chime after having my accounts compromised after identity theft because it was advertised XXXX easy, no fees, etc. 

Anything you ask chime they respond in a way that makes you certain they dont even comprehend XXXX. I have almost XXXX dollars worth of unauthorized charges that were disputed only to be denied. They reopened through what they refer to as rebuttal tonights conversation I was told no provisional credits because I was disputing merchandise not received which was never the case. The companies are all over seas. You can literally talk to them and get no where. You ask a question and they ramble on no where close to what was asked. 

I got on their XXXX page and it seems to be the norm. Any interaction is a waste of time. They should not be allowed to handle peoples finances. Definitely a predatory operation. 

Chime has been the worse part of recovering from identity theft. 

I have more docs just aggravates the life out of me because theres nothing I can do on my end.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I applied for a special promotion rate for a Citibank savings account that offered a 5 % interest rate for 6 months but I have not received the special rate after multiple attempts at resolution with the bank. The history of resolution attempts is as follows : XX/XX/XXXX Received letter from the OCC that the issue was not under their jurisdiction and referred me to CFBP. 

XX/XX/XXXX received case number from OCC email. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed online complaint with the OCC. It will take 2 business days to receive a case number. 

XX/XX/XXXX I called customer service at XXXX. Rep filed a complaint for me. 

XX/XX/XXXX XXXX XXXX left a voicemail. I called her back and left a voicemail. No further outreach by Citibank. 

XX/XX/XXXX I did not receive any further contacts from the bank. I sent XXXX, XXXX XXXX, an email to complain and gave her 1 week to resolve before a formal complaint is filed and move account to another bank. 

XX/XX/XXXX XXXX, XXXX, called to check on how everything was going. I gave her the history of the issue I am having with the savings account promotion and she said she will escalate to her manager who will be back on Monday. 

XX/XX/XXXX : I visited the branch as I did not see new rates yet and XXXX, XXXX XXXX, said it may take 30 calendar days instead due to monthly statement cycle. She has escalated to manager. 

XX/XX/XXXX : I visited the branch as I did not see the new rates and XXXX, XXXX XXXX, stated that it should take 10 calendar days to see new rates. 

XX/XX/XXXX : I Deposited {$25000.00} on top of my existing amount into my savings account. XXXX, XXXX XXXX, said that I needed to deposit {$25000.00} within 10 days to get a special rate
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. Iam asking for your assistance to remove these fraud items : 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