davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$480.00} XXXX   XXXX {$12000.00} XXXX  XXXX {$69.00} XXXX XXXX {$800.00} XXXX  XXXX {$69.00}
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (TX)

There was a credit card opened fraudulently with my identity in 2019 in BARCLAYS BANK DELAWARE and was used beyond the limit. There was no payment made towards it. 

Currently it shows against my name with missed payments for the last 2 years or so and had taken a heavy toll on my credit score. 

As a result my auto loan APR went to high, I am not able to get any new credit line from any financial institution. I am facing a heavy financial turmoil and difficulties due to this. 

I had tried to dispute the same through credit bureaus [ XXXX & XXXX ] several times in the past few months. But everytime the bank rejects saying that its a valid account. 

I confirm again this account was not opened or used by me at all. 

Please help me out. Thanks in advance.
Consumer complaint received 2020-07-09
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

In XXXX of XXXX, I was victim to a phone-spoofing scam that resulted in me losing a substantial amount of money ; I submitted a complaint with CitiBank 's fraud investigation system and the government, after which the funds were seemingly recovered and returned to that checking account. However, I have since been frozen out of the count and have never been able to access the funds myself ; I believe they are still being frozen under the pretense of investigation.
Consumer complaint received 2021-10-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (FL)

A company called XXXX XXXX, not sure what state that is in said in XXXX I took out a loan for {$250.00}. I never did. A year later a woman was arrested for the crime here where I have lived the last 8 years. I had no idea the money was my responsibility. She served 9 months for fraud. A company called NCA kept calling me ; so I said I would just pay it so it is not a hassle later or shows on my credit report. XXXX is the only agency I see it show up on. They have never provided me with any proof where this was taken out or what date or even an ID showing it to be allegedly me. I have ZERO collections on my accounts. I do not owe any money on past accounts. This will not go away. I want to buy a house but the possibility of this coming off my record, maybe be somewhere else : not 100 % sure ; puts the year at XXXX for a fraudulent {$250.00}!! Please help. Thank you!
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, Bank of America put a hold on my account in the amount of {$880000.00}, which resulted in a negative balance. I called them 7 times until I got an answer that said it was flagged for fraudulent activity due to an SBA loan due to coronavirus from my XXXX. All the representatives gave me the run around and continuously transfers me to imaginary lines that shut off as soon as I got transferred. The money left in the account was for my well being, to pay bills, and to just generally lived. Ive seen multiple horror stories of Bank of America doing this and it has to be stopped.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: WESTERN UNION COMPANY, THE (CA)

I received a western union XXXX  card to my home. That I never ordered. How did someone know ( my ex wife ) XXXX XXXX XXXX. My name XXXX and last my home address and my email? Well this time I decided to activate the card. Last time another card was sent from XXXX. ( Threw it away ) but this time I kept all evidence. So I decided to activate the prepaid card? So I put my SSN and my phone number. Then I send XXXX XXXX ( My ex ) a card. So I send the card to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  la. And I received a HATE EMAIL from western union XXXX. WITH ALL CAPS. But when I first fired my complaint with western union XXXX  i received a email brushing me off. THE DISCRIMANTED AGAINST MY XXXX. But not when I sent her the card. I received a hate email discriminated me against my XXXX? Why is my ex have so much hate for me? Turns everyone against me. After I was wrongfully convinced in 2014 of XXXX?
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

According to our loan payment history with Lakeview XXXX, ( history attached ), our {$80000.00} principal payment finally applied on XX/XX/XXXX lowered our loan to less then the 80 % LTV ( see attached LTV record ). 

I say finally above, because this payment made it to Lakeview XXXX, thanks to a previous complaint ( see closed complaint XXXX for more details ) which should have had the {$80000.00} principal payment applied at the end of XXXX, not XX/XX/XXXX, and to our previous loan provider XXXX XXXX loans. 

This LTV of less then 80 % would have allowed us to have our PMI dropped with XXXX, who then sold it to XXXX, who then sold it to Lakeview which is where this complaint begins. 

On XX/XX/XXXX I paid {$100.00} to have our home appraised to have our PMI cancelled. They said it would take 30 days ( it is now XX/XX/XXXX ) and there has been no appraisal and no PMI cancellation progress. We have been paying unnecessary PMI since at least XX/XX/XXXX, for now 5 months @ {$78.00}. 

I just spoke to Lakeview yesterday, XX/XX/XXXX and they said to be patient.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hello I XXXX XXXX is not a third party is depressed because transunion and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent transunion and XXXX my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with transunion and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (IN)

On XX/XX/XXXX I called Wakefield and Associates regarding a medical collection reported to my credit reports, I am in the process of cleaning up my credit reports and paid this account in full in the amount of XXXX plus a payment processing fee. The payment cleared my bank on XX/XX/XXXX. I was told this would be removed from my credit reports within 30 days. It is now 34 days and this account is still showing on all 3 credit reports. I called Wakefield and Associates on Monday XX/XX/XXXX to inquire why it is still listed on my reports. I was told they sent a deletion request on XX/XX/XXXX to all 3 credit bureaus and that I would need to follow up with them. So I called customer service of XXXX, XXXX, and XXXX and was told by all 3 of them that they have not received anything from Wakefield and Associates and that I would need to file a dispute and wait another possible 30 days. I went ahead and filed disputes as directed. On XX/XX/XXXX I called Wakefield back and was told in a very rude manner they did what they are supposed and its not on them anymore. I was told to email XXXX and request copies of the deletion and paid in full letters to be emailed. I have not received any further response or communication from Wakefield or any of the information I requested. This is causing me problems as I am trying to obtain a line of credit with my business and I want to ensure I have nothing in collections.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

1. Mohela incorrectly informed me that interest beyond my Save plan payment would be subsidized by the dep of education even thought I am in forbearance. I spent 5 hours today to try to resolve the issue and was finally hung up on by agent XXXX. I requested a supervisor and she hung up on me. 

2. I want to know if I can go into repayment mode to take advance of the SAVE plan and make payments for now so my balance does not increase BUT have the option of going back on forbearance ( borrowers defense discharge ) if I choose to in the future. 

3. Due to the misinformation provided by Mohela, I want to go back to when my loans went into repayment and make the monthly payments retro actively so i can take advance of the SAVE plan benefits retroactively. Over XXXX in interest has accrued on my account which is not acceptable.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a account with XXXX, this account reflects several inaccuracies that are reporting on my credit files with XXXX XXXX, Experian, and XXXX. The inaccuracies are highly noticed when reviewing my credit. This reporting is effecting my credit as, it is keeping me from obtaining a better credit status. 

I was contacted by a creditor, who advised me that the account with XXXX. Account # XXXX showed my payment status as current, but showed in the XXXX XXXX XXXX status. With several late payments over 30 days late with all three credit bureaus. I request a update of reporting with all three credit bureaus with XXXX XXXX, Experian, and XXXX. 

I do not request that this account be removed or deleted, but updated to reflect alone with the payment status of paid current reported on all three credit bureaus with all three credit bureaus. 

List of inaccuracies : XXXX XXXX Experian XXXX Date Opened : : : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Monthly Payments : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comment Section : No rate information No rate information Auto fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year Payment History : XXXX XXXX XXXX 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX Experian : 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX XXXX 30 day late : XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX This is a breakdown of the inaccuracies that are being reported from all three credit bureaus. I request that these inaccuracies be updated to reflect the true accuracy on my credit files. 
There should be no hesitations, or issues with getting this corrected. I expect that this will be done in the 30 days mandate per Federal Law under the FCRA 15 USC 1681.
Consumer complaint received 2019-09-23
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have  made. It is the result of identity theft.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Atlanticus Services Corporation (VA)

In early XXXX, Fortiva misreported my account which damaged my score and report! This has been partially resolve but after three and one half months my scores remain unreported to both XXXX and XXXX. Given a XXXX credit limits the impacts my credit for both bureaus! I have repeatedly contacted them but they remain unmoved! My last response from them was they sent something XX/XX/XXXX but they lied for 2 months about having made contact which they had not!! 
A few yeasts ago, I had to contact CFB, as Fortiva would not send me money as they kept allowing fraudulent charges. You helped me to resolve the problem and hope you can do so again! 

Thanks , XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Va XXXX
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

During Covid, we applied for Forbearance assistance from Loan Depot. We ended the Forbearance in XXXX and we chose the Deferral option which took into effect XXXX. We have made our first payment XX/XX/2021 for the amount of {$3700.00} which is the actual mortgage amount and that is when the payment was not applied to our Mortgage. When I called on XXXX XXXX to check, they mentioned there was an interest charge that is causing the account to suspense. When asked, they can not find the reason for the interest charge so they have processed a case to investigate the issue. After several calls and chat during the month of XX/XX/XXXX till XX/XX/XXXX amounting to 10 calls, I was told that the case is still open and that the account is still in suspense and will be resolved by end of XXXX. I made a payment on XXXX XXXX in the amount of {$3700.00}. I sent a fax and a letter via their messaging system as well as proof of payment on XX/XX/XXXX. A rep from Loan Depot replied and mentioned that the case was closed without any explanation but it will be reopened. A promise that a decision will be made within 3-4 business days and the funds will be applied. I called again on XXXX XXXX to check the status of the case and they mentioned again that it will resolve in 3-4 days. I then made another payment of {$3900.00} on XXXX XXXX which includes the negative escrow that accumulated during the forbearance period. Until now, the payment is still in suspense and none of my payments has gone back to my bank. They are holding my payments hostage and I am getting notice from the mail regarding foreclosures. This has caused tremendous stress and burned to my family.
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABSOLUTE CREDIT  LLC (GA)

On The XXXX day of XX/XX/XXXX, Absolute Credit LLC sent out a " debt verification '' letter as I previously asked them to do. However, they sent back four sheets from a doctor 's office that included medical procedures and people 's personal information that did not belong to me. The social security number provided does not belong to me and has never been associated with me there are also no signatures on the paperwork leading me to believe this is fictitious and the dates do not coincide one day says XX/XX/XXXX, one says XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX.
Consumer complaint received 2021-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WSFS FINANCIAL CORPORATION (NJ)

I HAVE SEVERAL MONTHS FIGHTING WITH THIS IDENTITY THEFT PROBLEM, THEY USED MY DOCUMENTS TO OPEN BANK ACCOUNTS AND CREDIT CARD XXXX XXXXXXXX IN THE XXXX XXXX XXXX INTITUTION, THEY OPENED A XXXX CHECKING ACCOUNT WITH A CHARGE OF {$2600.00} CRED AND A CRED CARD {$580.00} FEE I NEED HELP WITH THESE FRAUDULENT ACCOUNTS.
Consumer complaint received 2021-10-22
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. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent accounts listed. These have impacted my ability to receive credit and have provided unnecessary inconvenience. Please remove these fraudulent accounts from my credit report.XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX {$540.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX {$710.00} and XXXX XXXX XXXX {$4200.00}. I have attached copies of the FTC Identity Theft reports with this complaints. Te 2 reports numbers are XXXX and XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hello, My checking and saving s accounts were closed by Chase Bank on XXXX, they sent me notification that official my accounts were closed on XXXX I have called them 4-5 times and they will not send me a check or give me back my money, I have spoke to supervisors managers, my savings account was {$15000.00} and checking accounts was {$2900.00}. Its has been 36 days since my money and accounts were closed and have yet to receive a check. I have spoke to XXXX, XXXX, XXXX, and XXXX and they think its funny and laugh the conversions have been recorded. thank you XXXX XXXX.
Consumer complaint received 2021-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Chime Financial Inc (NJ)

I HAVE SEVERAL MONTHS FIGHTING WITH THIS IDENTITY THEFT PROBLEM, THEY USED MY DOCUMENTS TO OPEN BANK ACCOUNTS AND CREDIT CARD IN THE CHIME/XXXX  BANK NA INTITUTION WITH CHARGES.
Consumer complaint received 2021-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

THIS COMPANY IS REPORTING INACCURATE INFORMATION IN MY CREDIT REPORT ACROSS ALL THREE CREDIT BUREAUS. IT IS SHOWING A 120 DAY LATE ON THIS ACCOUNT FOR {$3000.00} DEBT THEY CLAIM I OWE, I SENT LETTER VALIDATION TO THIS COMPANY SO MANY TIMES FOR THE PAST YEAR BUT THEY NEVER BOTHER TO RESPOND AND GIVE ME A PROOF OR PROPER VALIDATION OF THIS DEBT. I AM TIRED DEALING WITH THESE COMPANIES. PLEASE HELP ME RESOLVE THIS ISSUE. THANK YOU.
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (KS)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2020-12-29
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-22
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: NAVY FEDERAL CREDIT UNION (IL)

I have contacted XXXX XXXX XXXX XXXX and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2016 with a Balance of {$1300.00}. Other than been fraudulent, the bank is still reporting a balance of {$1300.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

In 2018 when I opened an account with santander bank headcourtered out of XXXX, I was told by the associate at the XXXX, Pa branch, XXXX that I could not enroll in no overdraft even though that is what I wanted to do. 

Since then I have been struggling living paycheck to paycheck and they treat me like a criminal any time I ask to have an overdraft fee reversed for an item paid. 

They even let a transaction go through and get sent back 13 times just to get a returned item fee each time adding up to over {$400.00} of MY money that they think is theirs. 

Please, this is my last hope. I just want all the fees reversed since I never wanted this service and I was lied to that I had to use the service even though I blatently said I want things declined. 

I spoke with the manager XXXX XXXX and he said I agreed to this service and that I owe all that money because of that even though they accepted and rejected the payment over a dozen times.