davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

I have been paying my homeowner 's insurance within my mortgage payment monthly since XXXX of XXXX. I have not missed a payment. My homeowner 's insurance renewed in XX/XX/XXXX. I have been paying my mortgage and insurance payment each month. XXXX XXXX came through the end of XXXX. Immediately after the storm I called my insurance company to make a claim. I was told at that time that my policy was cancelled in XXXX of XXXX for nonpayment. I immediately called M & T Bank ( XX/XX/XXXX ) and asked why the insurance had been cancelled. They stated that they sent the payment put but it had been returned. When I spoke to the insurance company, they stated that they had made several attempts to communicate with the bank with no response. When I asked the bank why they had not notified me they stated that they had sent a letter in XXXX. I explained that I never received a letter. Subsequently, after this conversation they did send me a letter dated XX/XX/XXXX that my insurance had expired. They stated at that time that hazard insurance is required on my property, they were planning to insurance for my property. They did contact me with their insurance department on the XXXX and I submitted a claim for the damage. I have received a letter from XXXX dated XX/XX/XXXX with a claim number but the policy number is marked unknown. I have since spoken to the insurance company and have been told that they can not move forward until they hear from the bank. I have called the bank several times after this conversation with the insurance company and no one knows anything about having to contact the insurance company. Furthermore, this will be a new policy and they explained that they are not sure that they will be able to cover the damage from XXXX. Now XXXX has come through and made things worse. The bank will not take any responsibility for their mistake. Further, they have been taking my insurance payment for 9 months and not paying the insurance premiums.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

account information is not accurate with XXXX XXXX XXXX # XXXX this account is not 30 days late and hs never been they should have received communication from XXXX XXXX regarding this matter account has on tie payment the 30 day ate is not correct XXXX XXXX will verify this information is not correct I have a deferal in place payments are currant
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone was able to get my phone and retrieve all my personal information. They then opened fraudulent accounts in my name and other names in other states. They also transferred {$19000.00} from one of the fraudulent accounts to my main checking account then dispersed all the funds via XXXX XXXX XXXX XXXX and XXXX. They then somehow reported the {$19000.00} deposit and reversed it. This left my bank account negative {$19000.00}. We have a police report. We reported identity theft to the Federal Trade Commission and have placed a hold at all credit agencies. We've first contacted Bank of America on XX/XX/XXXX. They told us to let the pending charges sit and they will eventually fall off. They never fell off, so we reported a fraudulent claim with Bank of America. There were three claims opened. Claim # XXXX and # XXXX and # XXXX. Claim XXXX and # XXXX were for accounts opened in my name and the name of XXXX XXXX Mowatt and XXXX XXXX XXXX. The {$19000.00} was originally transferred from the account in the name of XXXX XXXX XXXX. After a denial on both claims, we requested a reconsideration and Bank of America approve the claims. Both accounts are now closed with Bank of America. Claim # XXXX is for transfers from my main checking account via XXXX XXXX XXXXXXXX and XXXXXXXX XXXX for {$10000.00}, {$2500.00}, {$2500.00}, {$1000.00} and {$3300.00}. I did not authorize these transfers, nor did I have any knowledge of this happening until I checked my bank account online. Bank of America has denied this claim 3 times. The second time it was denied, they said it was because it wasn't reported timely. We sent them copies of phone records from XXXX XXXX XXXX showing long phone calls multiple times a day beginning on XX/XX/XXXX. Our last conversation was with Bank of America on XX/XX/XXXX and they informed us the claims have been denied and the information has been reported to XXXX and we are responsible for paying the money back. We did not authorize these charges and we feel we should not be responsible for this. Please see all the attachments as I have page numbered the order and wrote notes.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MA)

in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports DISCOVER BANK - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XXXX XXXX XXXX and ending on the later of ( aa ) 120 days after XXXX XXXX XXXX  ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXX XXXX XXXX  under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 

Therefore, these late payments should be removed from my credit report
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I'm writing to dispute negativity on my credit report. The following accounts listed below do not belong to me and need to be deleted or blocked.In the statue I noticed you require a documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including this reports in my letter to help substantiate my claim. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (IL)

I have outlined below all the steps/problems I incurred when opening a new Citicard Visa account. I filed a dispute with Citibank 2 weeks ago and as of today I have had no response from them. Below are the issues/steps I have taken so far : 4 phone calls before I got cards for new account Website does not work, asked for help via Live Chat and did not get much. Once I was finally able to log I only see an big " error '' message on the screen when I try to access Payments/Transfers or Accounts I was signed up for electronic statements even though I would not ever want them and was not aware o This was never explained in the 4 calls to express concern for not getting cards/statements Because Citi issued a total of 3 cards to me before I finally received them ( via XX/XX/XXXX XXXX I now show 2 Citibank credit cards accounts on my credit. I only requested 1. 
Citibank reported me 30 days past due causing a 90 point drop in my credit score which dropped my credit score by 90 points. I have not had any late payments on any account and have always been diligent about paying my bills on time. This in my opinion was not deserved since Citibank has had issues with my account since day one. I want this removed and my good credit standing to be restored.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, ****PLEASE HELP**** PLEASE HELP. 
Whoever is reading this, I hope you are having a good day. I havent been able to get this money back, and Ive spent countless nights crying and depressed. 


On XX/XX/2021 I received an email from bank of america for a fraud alert for my unemployment card. 

Someone tried to withdraw some money from an ATM in XXXX XXXX, CA. 
I live in XXXX, CA. I was not in XXXX XXXX, and I NEVER LOST MY CARD. 

Naturally, I called my bank and checked my statements. Almost all of my money was gone. This is a card I dont really use, so it was normal for me to not check the activity often. There were a series of withdrawals before the XXXX, listed below, ( I did not receive fraud alerts ) I filed a fraud claim, and my claim was denied. 

I had no idea why it was denied, so I asked for it to be reopened. I was also told that filing a police report and faxing my drivers license would help, so I did those things. My claim still gets denied. I have reopened it probably 5 or 10 times now, I dont know. I lost count. 

I found out that I had a wrong date on the initial fraud claim, as well as on the police report. 

The fraudulent transactions were : {$1000.00} on XXXX XXXX each. for a total of {$8000.00}. 

I mistakenly claimed on both the police report and the fraud claim that a {$900.00} charge on XX/XX/XXXX was fraudulent, but it was me. I have made this fact *very* clear to the fraud department or whoever XXXX XXXX is in charge at bank of america XXXX They have assured me this documentation has been recorded. 

It is now XX/XX/XXXX, and the {$8000.00} that is mine still has not been returned. I never lost my card, and Bank of America does not want to give me my money back. Ive called countless times. Begging, pleading. Ive even spoken to a couple people at the bank, who told me over the phone they were looking at the camera footage and the FOOTAGE CLEARLY SHOWS AN ELDERLY MAN withdrawing money on the above dates. Obviously, not me. I am XXXX, XXXX, and wear glasses. The difference, according to whoever was on the phone, is very easy to tell. Again, to emphasize, I never lost my card. A stranger criminal was able to take my information somehow. This was all on a Bank of America atm by the way. 

****Please help me. No one wants to help me. Im desperate for this money back. *** ill attach the police report, but the bank already has this as well as my license
Consumer complaint received 2022-11-15
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (GA)

The account was closed due to suspicious activity or fraud as they called it on XXXX XXXX so they held my money for 60 days so on XXXX XXXX they told me I would be issued a cashiers check but on XXXX XXXX I was told my money was sent back to the sender on XX/XX/2020 its just so many lies this bank keeps telling me
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

This is to express my significant concern and dissatisfaction with the outcome of the attempt to remove fraudulent items. It is crucial to address this matter promptly and comprehensively to uphold the integrity and fairness of the process.

Despite the concerted efforts made during the initial attempt to remove fraudulent items, I am deeply disappointed with the outcome. The presence of fraudulent items not only undermines the credibility of the process but also casts doubt on the effectiveness of the measures in place to prevent such occurrences.

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. Open and honest communication is essential in rebuilding trust and confidence. With this, I am asking for your assistance to remove these fraud items in my credit file : INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$730.00} XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic XXXX and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Consumer complaint received 2022-11-15
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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