davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please take a look at the following 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  U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$810.00} DEPTEDXXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

II have been a Citi customer for XXXX years. I opened an XXXX XXXX account XXXX XXXXXXXX over phone when Citi 's new account rep offered to open this account over phone. There was an online offer of similar nature on the web for selected customers on my XXXX web interface that I wanted to use. See the attached. I took up on the offer over phone as the rep told she could open that online and XXXX rep opened my account over the phone attaching offer code XXXX. The account was opened on XX/XX/XXXX. And I emailed to myself confirming what your rep told as proof. I was promised {$450.00} bonus after transferring $ XXXX within XXXX days and keeping that for XXXX days. I did fulfil those requirements. 

I am still waiting to get that {$450.00} and I chatted Citi rep asking for resolution and by emailing XXXX dedicated contact. Last week chat rep told the code was not applied, so I am not eligible. All I have to say that XXXX rep gave me the offer over phone that I accepted and I deposited $ XXXX on that assurance on XX/XX/XXXX. I am not responsible for Citibank agent 's fault, deceptive practice or any error the rep made, as $ XXXX deposit was at stake. I have kept that balance since opening the account and Citibank is refusing {$450.00} bonus payment.
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I made a transfer from the Bank of America website. It was an external transfer from XXXX XXXX to my checking account in Bank of America. BOFA withdrew {$1000.00} from my XXXX XXXX  account but never deposited in my account. I has been about 3 weeks already with no resolution and every time that I call them, is like I never called before. I logged in the BAFA   website and requested a {$1000.00} transfer from my XXXX XXXX to my BOFA account. Having done this before, I thought everything was going to go as expected, but it didn't. Initially, BOFA was playing the blame game and was trying to say that XXXX was to blame for this. After long talks with XXXX XXXX   management, we finally realized that BOFA was responsible. The withdrew the {$1000.00} and they are the ones able to trace it and let me know what happened with my money. I am not sure what to do here, but at this point, I feel like this money was stolen from me. The outrageous it that I because of this, I was not able to pay the full amount of my credit card and BOFA is already trying to collect the interest when everything was their fault, to begin with.
Consumer complaint received 2022-11-29
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX PL XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-04-09
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

They froze my account saying that there was odd actions being taken on my account then they said they needed verification that it was me so I sent them pictures of my ID front and back as asked it in a picture of me with my ID and the date of the picture and they still wont release my funds to me
Consumer complaint received 2018-10-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I open an account saving a checking with USSA and insurance policy auto and rental. I was given a price and provide all the document they requested. I have an honorable discharge and provided everything the military issuse to prove your status and they refused to accept my documents and closed my accounts. Two months later they made a transition on my credit card to collect a payment. I didnt give them authorization to take money since it was closed. They have failed to reimburse me for money and still have not gave cause for denying me service. In spite of them having all the documents proven I was a veteran and they still refused to accept it. I want my account reinstated and full amount refunded back to my account.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (NJ)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In 2019, a letter of credit was extended to Capital One Auto Finance in the amount of {$20000.00}. Capital One Auto Finance is withholding {$19000.00} for a total of {$39000.00}. Capital One Auto Finance has misrepresented themselves as " lenders '' in this transaction, when in fact the transaction is an investment. Capital One Auto Finance did not lend any money regarding this transaction. It appears Capital One is engaging in unfair business practices, conspiracy to defraud, conspiracy to defraud investors, and conspiracy to commit bank robbery as Capital One Auto finance has sent letters threatening to accelerate a debt and seize personal property they do not own.
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Somehow My father accidentally added me as an authorized user on his credit card at   XXXX   XXXX    I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her credit score. It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all
Consumer complaint received 2023-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (SC)

I have XXXX XXXX and Americollect trying to collect the same debt for XXXX XXXX. I have made payments in the past to XXXX XXXX on this account and the balance as of XX/XX/23 is {$490.00}. I received a bill from Americollect on XX/XX/23 for {$550.00}. I immediately called Americollect and thecollection agent told me I owed them {$550.00}. I told her that was incorrect that I had previously made a payment to XXXX XXXX and her amount was wrong. She informed me that XXXX XXXX XXXX reported any payment made to them and asked me if I would like to be transferred to a supervisor. I said sure. The supervisor was rude and would not let me talk and continued to try to talk over me and argue about the amount owed. I tried to inform her that I had spoken with accounts payable at XXXX XXXX and paid off XXXX account and set up payments on the remaining account. She said they could see payments made to XXXX XXXX and then changed her story when I told her I had copies of payments made on the XXXX XXXX app. Then she said she was sure they would get around to reporting the payments next week I should check back then. I then told her the payments were set up with XXXX XXXX and I wouldnt be contacting them anymore. I told her it was fraudulent activity to try to collect {$550.00} and I only owed them {$490.00}. She said thats what she could see and thats what they were trying to collect. I told her I would be glad to send over proof of payment and she simply replied by saying we are already past that!
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

GIVING NOTIFICATION THAT THE CREDIT REPORTING AGENCY have broken XXXX Codes of consumer law. 

The agency has been put on notice. 

XXXX XXXX Secured # XXXX 15 U.S Code 1666b Timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1666 Correction of Billing Errors 15 U.S. Code 1681B Permissible Purposes of consumer reports The bureaus are suppose to use maximum possible accuracy
Consumer complaint received 2022-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

From the time we refinanced, the escrow was short about XXXX, unbeknownst to us, when I realized this I put extra in. They are still saying we are XXXX short although their own accounting has us at XXXX short but they refuse to fix the issue and are still insisting that we are XXXX short. I looked at all the numbers and the company is wrong and they are inconsistent.
Consumer complaint received 2023-02-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc. (FL)

XXXX XXXX  : DYCK-ONEAL Amount XXXX {$22000.00} I am disputing this claim due to : On XX/XX/XXXX a foreclosure hearing was held regarding property associated with mortgage loans with both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the original holder of the mortgage was notified of said hearing. The outcome was a deficiency waiver. XXXX XXXX did not establish any claim or defenses legal or equitable and no relief was granted. All those who may or may not have been entitled to claim through or under the title or interest is absolutely barred and forever foreclosed of any rights, titles or interests. No personal or deficiency judgment was demanded. I have emails and court documentation supporting both the court litigation and evidence that the lienholders were aware of the foreclosure proceedings prior to the date of the hearing. 

XXXX XXXX subsequently filed an insurance claim with XXXX XXXX XXXX and were paid. XXXX then sold the account to DYCK-ONEAL. Because XXXX XXXX was barred from any further collection of deficiency the order would follow the chain of sales of account. 

DYCK-ONEAL has misrepresented the purchase from XXXX account as a personal loan. I and no one I know or are aware of have signed or agreed to any contract with DYCK-ONEAL. DYCK-ONEAL has no rights of collection. DYCK-ONEAL provided undated faulty documentation in XXXX 2 years after the foreclosure for their assignment of debt from XXXX. 

DYCK-ONEAL also filed suit in Florida where I currently reside on XX/XX/XXXX. I provided 100 pages of supporting documentation to both the court and DYCK-ONEAL on XX/XX/XXXX. Notice of lack of prosecution and courts motion to dismiss the action was sent to DYCK-ONEAL on XXXX case was dismissed by XXXX XXXX Florida court on XX/XX/XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

American Express Airline card I called AmEx on XXXX XXXX, 2023 to request a {$16.00} late fee be removed. I have been a long time customer of theirs and in the past 12+ months have always paid on time. My account is due on the XXXX of each month. I accidentally set up my on-line bill pay to send out the payment on the XXXX rather than it be paid on the XXXX. Granted a silly error on my part and I thought AmEx would be reasonable with me to reverse the fee given my good payment record. Realize with the 1 day late payment, the account was paid on the XXXX, AmEx increased my interest rate at well. Since I typically pay this account off monthly I did not complain to their customer service representative ( CSR ) about the rate hike. The CSR advised me that the fee was automatically applied and could not be reversed. This I told her was a silly response, to say automation applied it and a human could not reverse is just XXXX. I asked to speak with a supervisor and she expressed one would call me back and repeated my phone number to me. Well its been over a week and no one from AmEx has called me back to reverse my late fee. The CRS did offer to give me 3000 airline miles to appease me but I still wanted to speak with a supervisor. I understand automation but I need for a human to review my payment record and decide whether or not they value me as a customer and to be reasonable. I am disappointed in this large corporation and their CRS area.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts are not accurate XXXX  account ' acct # XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SD)

After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified the  CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor. This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to p romptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the responsibility onto them is NOT acceptable.