davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (FL)

I tried to close my accounts in XX/XX/2020. Bank failed to close one account and deducted {$18.00} per month in fees. Over the past seven months I have tried at lest ten times to close the account, both in person  and via telephone, without success. 

A can not obtain my balance from this account nor can I get them to close the account.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

Con man name XXXX XXXX XXXX DOB-XX/XX/XXXX. 
Has been stealing people identity and con woman to get him personal loans for him. And threatening them XXXX and XXXX XXXX them. 
I am one of the many victims. 

I have a loan for {$6000.00} with XXXX XXXX  A credit card that is max out $ XXXX XXXX XXXX  And many more negative remarks on my credits that are not mine. 

I made a police report last year XX/XX/2019. Ans this items are still there. The more I investigate the more I see how many people have been scammed by him. 

Im XX/XX/XXXX I cant get a good score credit to move on with my new life. I had to sell my home now I dont have a home. 
Can someone please please help. 

Sincerely XXXX
Consumer complaint received 2020-08-18
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. (OH)

This account is inaccurate and in violation as reporting as Charge-Off with a Balance and no LAST DATE OF ACTIVITY, Please delete ASAP. 


XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

Credence resource manage {$370.00}. XXXX I had XXXX from XXXX XXXX  I had complaint about the constant over heating of the phone. I had ask better solution to this problem and I was given a replacement phone which did the same thing.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Con man name XXXX XXXX XXXX DOBXXXX. 
Has been stealing people identity and con woman to get him personal loans for him. And threatening them mentally and physically abusing them. 
I am one of the many victims. 

I have a loan for {$6000.00} with XXXX XXXX A credit card that is max out $ XXXX XXXX XXXX  And many more negative remarks on my credits that are not mine. 

I made a police report last year XX/XX/2019. Ans this items are still there. The more I investigate the more I see how many people have been scammed by him. 

Im XXXX  I cant get a good score credit to move on with my new life. I had to sell my home now I dont have a home. 
Can someone please please help. 

XXXX XXXX
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Im trying to refinance with Quicken loans. 
I locked in an excellent rate. Rates have gone up since and they are stalling, asking for the exact same things 3-4 times, very slow responses to my ask for clarification, turning off the website area to upload docs required. 
Bait and switch
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 — Account information incorrect
Company: EQUIFAX, INC. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-05-08
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.These are the accounts : XXXX XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00}.
Consumer complaint received 2020-10-02
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)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Revenue, Inc. (MD)

This Company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me!
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-10-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I sent a dispute out to all three main credit bureaus and ask for validation of the debt of an account. They all came back as verified. I then contacted the Bankruptcy court and they informed me that they did and do not verify debt with bureaus. I am requesting that they send me the Method of verification of this debt. 

I am writing to request the method of verification for the dispute initiated between 30-60 days ago. 


Chapter XXXX Bankruptcy Case Number : XXXX Please send the following information used to verify the validity of CHAPTER XXXX BANKRUPTCY Case Number : XXXX 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I personally have an attached letter from the court stating that the did not verify the dept to Credit Bureaus. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

I opened a checking account with Chase on XX/XX/2020 at the branch in the address below : XXXX XXXX XXXX XXXX XXXX, LA XXXX The banker asked for my ID and XXXX documents and I provided the following : Drivers license, SSN, Passport, XXXX XXXX XXXX ( XXXX Form ). 
I received my XXXX card in the mail on XX/XX/XXXX and I deposited {$1000.00} in that account. 
On XX/XX/2020, I realized that all the funds have been withdrawn from my account. So, I called customer support and they told me their back office has closed my account ( without prior notice ) because my immigration documents were lacking and that I should receive my funds in a check through mail. 
I called their compliance team on XX/XX/2020. They went over my case and told me there was closing my account was a mistake and I should go to the same branch and open another account with the same documents. I went to the same branch on that day and asked to open another account as I was told. The teller refused to open the account this time after talking to the same compliance team. Asking for an additional document ( XXXX Form ) which is an application to register permanent residence. 
I believe I receive such treatment because of my nationality. I am an XXXX  citizen and I understand that XXXX is on the OFAC Sanctions list. However, I have lived in the United States for the last 4 years. Initially as a foreign student on XXXX XXXX and currently as an XXXX XXXX on an XXXX XXXX. I have had checking accounts with XXXX XXXX XXXX and XXXX which proves that this is not a general ruling and as an alien holding a valid visa status, I have the right to have bank accounts in the United States. 
I feel mistreated and discriminated against by the Chase Bank. Not only they disrespected me by closing my account abruptly and without prior notice, they bounced me back and forth when I asked for the reason. They wasted my time and caused frustration with their confusing and judgement-based policies. Lastly, as of today ( XX/XX/2020 ), I have not received my funds back.
Consumer complaint received 2020-10-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP (MO)

US Bank coerced me into adding a reserve line to my student checking account, when I was still a college XXXX, and I'm nearly XXXX, still struggling to pay off the debt I've accrued to this reserve line account. Since the beginning of XXXX, I have paid off the entire value of the principle amount, along with over {$250.00} above that initial amount, which has not changed since the account was opened. My banking statements say my billing period is every 30 days, but in XXXX alone, they have withdrawn funds from that account eleven ( 11 ) times in intervals smaller than that ; on 4 occasions, they automatically withdrew funds less than 1 week after a prior withdrawal. I am currently a XXXX   XXXX  on a fixed income, and with the massive loss of income I've suffered due to COVID-19 shutdowns, I need this account closed and these predatory practices to stop ASAP. It is bleeding me dry, and affecting my ability to pay utilities and important expenses.
Consumer complaint received 2020-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (UT)

NEW ISSUE I am having XXXX  handling my legal claim against Citi and I am requesting all statements from XXXX to XXXX when fraud occurred under my name for the accounts with Best Buy, Citi Costco and Macys to be mailed to me. Respond to the complaint, do not mark this as a duplicate as XXXX needs specific documents.
Consumer complaint received 2023-05-08
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. (MO)

This is my fourth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-02
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. (CA)

**THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX  XXXX, and XXXX  XXXX XXXX. These accounts were reported " Verified ''. 
experian has provided no documentation to prove this. 
Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX and transunion notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus
Consumer complaint received 2023-05-08
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. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 2020-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Claims Bureau, Inc. (NY)

I am constantly getting notices from PCB [ Professional claims bureau, Inc.XXXX XXXX XXXX XXXX NY XXXX ] for debts owed by my adult son. I have informed them several times that they have the wrong person in writing, by email and by phone and I am still receiving debt notices. Please contact me so I can take this further to stop there actions.
Consumer complaint received 2020-10-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Utah System of Higher Education (MD)

I submitted an IDR application ( number XXXX XXXX on XX/XX/XXXX. I still have not heard back. I need to be enrolled in IDR to start the PSLF process. I am losing months of eligibility as Cornerstone lags.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Hello all, I have disputed a negative remark on my credit report with all XXXX major agencies for XXXX XXXX XXXX The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you help?
Consumer complaint received 2020-08-18
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: CONDOR CAPITAL CORP (MA)

XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Original Company XXXX Account # XXXX My Account have with them currently. 
XXXX XXXX XXXX XXXX XXXX {$220.00} XX/XX/2022 XX/XX/2022 Im still Current Member with XXXX, Internet and Phone Line.XXXX stated it should already be removed off of my account since I had already paid it since XX/XX/2022. So, I called and then try to dispute it with the credit companies nothing was removed.
Consumer complaint received 2020-10-02
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: Self Financial Inc. (MA)

I see repetitive 30 days late marks on my report, I was never late on this account and I've tried many times to contact with the creditor but they never responded with my concern.