davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. Account names and account numbers XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX and I have been with citi bank for 3 years and they closed my account on XX/XX/14. They said it was fraudulent activity on my account but they are not being specific about it. They sent me a letter saying it will take up to 30-60 days for me to receive the funds that I had in my account. The funds I had were for me to pay my car. Now I lost my car and I am about to loose my job. I am a single mother and I have no help with transportation. Citi bank stated that they are a trustworthy bank. They failed and they are holding my funds. 30-60 days I will have been lost my apartment. I am about to loose my job. Citi bank can not be trusted. How can any company hold money that is yours without a detailed explanation. I need help on getting my funds asap. And I want to sue Citi bank on failure and lack Of communication.
Consumer complaint received 2020-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (FL)

On XX/XX/XXXX, I was contacted by Nationwide Recovery regarding an amount owed of XXXX from a hospital visit on XX/XX/XXXX. During the phone call, I did not remember a hospital visit of XX/XX/XXXX. I advised the representative ( who was extremely rude ) that I would contact my XXXX XXXX XXXX ( XXXX   XXXX ) which he became very upset and did not want me to contact them. I contacted my Insurance Company to verify. I was told by my Insurance company that they did not pay the co-pay of XXXX and that it was my responsibility. I have GAP coverage that pays copays so I contacted the original creditor for XXXX XXXX XXXX ( XXXX Hospital ) and paid the amount online on XX/XX/XXXX. They sent me a receipt and my insurance company sent me a claim summary. I was told by XXXX at hospital billing that this account will now be closed and that the collection agency will be informed in 24 hours. I then submitted the claim to my GAP insurance XXXX so that i can receive reimbursement. I received a call on XX/XX/XXXX from Nationwide Recovery. It was the same manager who I spoke to on XX/XX/XXXX. I let him know that this account was paid directly to the original creditor. He became very upset that I did not pay through them. I explained that i had to pay it through the original creditor in order to be reimbursed. He reported the account to the credit agency out of anger the next day even though when he asked me for the receipt number, I provided it to him. This is very unethical. Even though the account was paid the representative still reported the account. They also received notification the account was paid from hospital billing on XX/XX/XXXX.
Consumer complaint received 2022-12-31
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit Reporting act XXXX Account capital one, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written + instructions.

11.4K 15 USC 1666B : A creditor may not treat a payment on a credit card 337 account under an open end consumer credit plan as late for and purpose.

2955
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (TX)

In Accordance with The Fair Credit Reporting Act XXXX XXXX- Account Number- XXXX, XXXX XXXX- Account Number- XXXX, XXXX XXXX Account Number- XXXX XXXX XXXX XXXX XXXX XXXX Account Number-XXXX XXXX XXXX XXXX XXXX Account Number- XXXX, XXXX XXXX- Account Number- XXXX, XXXX  XXXX, XXXX XXXX - Account Number- XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number- XXXX XXXX  Acts Has Violated My Rights XXXX 

15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not Furnish a account without my Written Instructions.
Consumer complaint received 2021-03-17
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. (NC)

I contacted Equifax 60 days ago by certified mail and have not received a response. I have an account on my credit report that is inaccurate and a deformation of my character because I paid this account in full before it was sent to a collection agency and before it was on my credit report. I sent the collection agency proof that was provided to me by the original creditor that I dont OWE ANY MONEY and have not received a response. And I am trying to utilize my credit to purchase a home and this INACCURATE account is holding me back. I also attached the proof that I dont owe a balance with deacon station and this was signed by the general manager. 

Account : XXXX XXXX XXXX XXXX Account Number : # # # # # XXXX Date Assigned : XX/XX/2019 Amount Owed : {$100.00}
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand that FCRA 605B requires the elimination of any erroneous accounts from my credit report. Would you kindly examine the documents? Numerous listed accounts are inaccurate, and it's unsettling for me.
Consumer complaint received 2022-12-31
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. (TX)

i submitted a dispute to experian to have the XXXX XXXX XXXX account number XXXX removed due to the 7 year statute having passed on the account. Instead of investigating and closing the account due t the statute passing, they updated the account to show a {$90.00} payment and the account is showing past due even though it is listed as a charge off/collection. I have not made any payments towards this account. I can provide bank statements to show proof of this and a sworn affidavit to show same. They also updated the date as to which the account is to be removed. The account should have been removed instead of inaccurately updated. I continue to have issues with Experian not accurately updating my report and it is significantly impacting my ability to borrow money, find a place to live, or even buy a car. Any time I file a dispute, they do not investigate, instead they update my report with inaccurate, as provided in the attached documents.
Consumer complaint received 2020-03-13
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: AMERICAN EXPRESS COMPANY (NC)

I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. the account in question is an AMEX. i have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CA)

Flagstar Bank is the worst financial institution and should not be in business. I started this process to refinance an exiting loan with Flagstar in XX/XX/XXXX. It has has been over six months! This process is no closer to closing this out and going on month seven! 

As of to date, XX/XX/XXXX, the loan still has not been processed or finalized. Im working with my third loan processor and have been asked to resubmit all of the information I have previously provided plus more as if Ive never submitted any information. The loan processor/ supervisor, while very nice and the reason I elected to refinance with Flagstar , has not been monitoring my file nor provided any resolution. I contacted the customer service line and never received call back or resolution. I made several attempts to ask for a manager to call me back and still have not heard from anyone!! My experience with this company is unbelievable and has been unprofessional. 

Im a professional with minimal debt, great credit and should never be treated or made to feel less than. I learned that the underwriter assigned to my file has spent the last six months or more excessively questioning my file, asking for several documents ( that I have provided with no delays and in access of what has been asked ), and scrutinizing my file based on a what I believe to be a bias - questioning my low monthly gas bills. This is ridiculous and uncalled for and an attempt to suppress consumers by frustration and dissuasion. 

Flagstar has and continues to waste staff time, money AND my time, money and energy! Im at a loss.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

This complaint is against Citi ( specifically their credit card division ) and is in relation to Dispute ID XXXX ( transaction amount {$810.00} ) on credit card, ending in : XXXX. I am outraged that the Billing Disputes of the bank refused to provide assistance in this matter, thus closing my dispute and telling me in a letter dated XX/XX/2021 that since " too much time has passed since the transaction was billed to me '', they would NOT be " able to investigate '' and that I would " need to contact the merchant directly ''. First of all, I do not care how much time has passed since the transaction was billed. That is IRRELEVANT. What is relevant is WHEN I informed the bank that there was an issue with this transaction. HOW MUCH time the bank takes to investigate is a different matter. I emailed Billing Disputes at XXXX about this transaction twice in XX/XX/2021 ( XXXX and XXXX ). Then I faxed to them a form they wanted me to complete and sign on XXXX. I faxed it to : XXXX XXXX XXXX. And on XXXX, they closed the dispute. 

The issue was : I purchased online merchandise from a XXXX business. The merchandise was UNSATISFACTORY for OBJECTIVE reasons. I returned it, and the merchant issued only PARTIAL refund. The merchant and I were in disagreement over whether there was something wrong with the merchandise. I emailed them several times about this. I told them I would accept ONLY a deduction for the return shipping label I used. It's true that I voluntarily chose to use their prepaid label. I would NOT, however, accept a deduction for original shipping cost. I can not lose nearly {$80.00} on a purchase of something that I NO LONGER have. I am stunned and shocked that Citi did no speedily resolve the matter in my favor. Banks, as third parties in a dispute, generally can not determine if there is indeed something wrong with goods because they are unable to inspect them themselves. Therefore, the rule of thumb is : if the customer can prove they returned the merchandise, they can receive full refund. I proved I had returned the merchandise. Therefore, what was your Billing Department thinking/investigating?!?
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2022-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

XXXX XXXX sent me to collections XXXX for a XXXX XXXX that never happened. They were not communicative at all, never received information until XXXX Of 2022 over a year after we tried the XXXX. When they finally contacted me back, they said THEY owed me money and I wasn't in collections, which I am and it's ruining my credit. yet I still paid a charge, in full, for something they owe me a refund for. I also have proof of a XXXX balance. I have messaged and emailed and attempted to contact them repeatedly for clarity but absolutely no response or resolution.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (GA)

In accordance with the fair credit Reporting act.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX 15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years 15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person information is in fact inaccurate knows or reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (NJ)

On Saturday XX/XX/XXXX I went to use my XXXX XXXX XXXX that had money in it from XXXX  that same day. When I went use the card it kept declining for unknown reasons. I called the customer support number I was given from the app. I spoke with someone on XX/XX/XXXX and was told that my complaint would be sent up to the specialist and would be cleared up within 24hrs. I called back XX/XX/XXXX and was told that no one could help me resolve my issue and that a specialist would have to help me but they werent able to transfer me to a specialist. I was told I would receive a email notifying me about when everything will be cleared and I never received one. I only received a email giving me my claim number. Ive tried calling the customer support number multiple times since then and was unsuccessful with getting through to anyone. Its now been 5 days and Im still unable to access my money.
Consumer complaint received 2021-03-17
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)

Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedMar XXXX Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedNov XXXX Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedFeb XXXX Account XXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusClosed. 
Status UpdatedMay XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeSales Contract ResponsibilityJoint with XXXX  XXXX Date XXXX StatusAccount charged off. {$220.00} written off. 
Status UpdatedAug XXXX Account NameXXXX XXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedMar XXXX XXXXremove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX XXXXremove above incorrect names, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX LOST XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX FAMILY ***remove above incorrect addresses, not mine, FCRA violation
Consumer complaint received 2021-03-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (KS)

NOT A DUPLICATE COMPLAINT : Case Number XXXX I am including the communication from Citibank regarding my complaint filed : This is still not resolved. My account is not active, like they stated over 11 days ago. When I called them about this, they claimed that it was not really active. I am still not getting any resolution from their side. At this point I am demanding that Citibank send my {$17000.00} deposit back to my other bank : XXXXXXXX XXXX. They even lied to me a month ago when I called them : stating that I would be receiving a check in the mail for the amount I sent them. I am done dealing with their lies & just want ALL my money back immediately. 
NOTE : I would also appreciate if you would leave complaints open until the complainant has a chance to respond to whether the issue is actually resolved. THANKS IN ADVANCE FOR NOT CLOSING THIS CASE UNTIL YOU GET VERIFICATION FROM MYSELF ( NOT CITIBANK ) THAT THIS HAS ACTUALLY BEEN RESOLVED.
Consumer complaint received 2022-03-23
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: NFM, INC (OH)

6. I have not received any confirmation on how you verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ****
Consumer complaint received 2021-03-17
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: CITIBANK, N.A. (CA)

I have reached out the XXXX multipole time over 2 years to fix error in my credit report. other companies like XXXX fixed it right away but for some reason XXXX refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XX/XX/XXXX Bank : XXXX XXXX XXXX XXXX Date:XXXX Bank : XXXX XXXX/ XXXX Amount : {$920.00} Date : XX/XX/XXXX Bank : XXXX Amount : {$4900.00} Date : XX/XX/XXXX Bank : XXXX XXXX XXXX Amount : {$6300.00}
Consumer complaint received 2020-03-13
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. (NJ)

I have tried on a number of occasions to have Equifax correct my credit report because they are showing an " open account '' as " closed ''. It happens to be my auto loan with XXXX XXXX XXXX XXXX  which I clearly still make payments to every month and still drive the vehicle. They are the only credit reporting agency that shows the account as closed. I have tried calling a number of times, tried reporting it online via their dispute center but every time it comes back that it is reported correctly when it is not. My bank and other credit reporting agencies do not show it as closed as it was never closed so I am not sure how this mistake came about because it was previously reported as open?