davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I am unable to remove temporary freeze on my Equifax account. I called them up. After much difficulty i could get to an agent. They asked me to send the SSN, DRIVING LICENSE, and my home lease documents by mail. I sent it to them and for more than a month i received no response. I followed up with them and they asked me to fax it. I faxed on XX/XX/XXXX, XXXX i called them up again on XX/XX/XXXX. They say they are waiting for my document. Now they ask me to mail the same documents again. The help desk person keeps saying that there is a document required. However we dont get any further help. In spite of sending by mail and by faxing as needed, its scary that they cant find my documents. I am unable to apply for any of my other loans or needs because of this delay. Please help.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I paid for a rental from a XXXX listing https : XXXX. I signed a rental agreement and sent the money via XXXX. The total was {$1100.00} which I sent in two payments by request. {$700.00} for the security deposit, {$450.00} for the house rental. The money was sent on XX/XX/21 to XXXX. 
When my family arrived at the listing, the house was occupied by it's owner who claimed to know nothing about the rental agreement. 
All correspondence was done with a person going by the name XXXX XXXX XXXX. His phone number is XXXX, email XXXX.
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (TN)

I have resubmitted complaints against all 3 loan companies that I notified prior to XX/XX/XXXX and after my employment loss due to Covid that occurred on XX/XX/XXXX at which time I submitted all necessary unemployment insurance paperwork for the UI ins I purchased with the loans ; I have also filed complaints with you against each of my credit card companies that were notified, and still reported late payments from the period of XX/XX/XXXX through now ; I had contacted all 3 credit beauros regarding the errors as well, but these accounts are still not being reported properly. Im still unemployed and have contacted my local representatives and governors office to help me with my federal and state XXXX claims.
Consumer complaint received 2021-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, I received a letter from Bank of America with a modification approval attached to it. At the beginning of the pandemic, I had 15 or so years remaining before I owned my house. I currently owe {$110000.00}. My payments is {$950.00} per month. Bank of America is ripping people off. My new offer is {$570.00} for 480 month.They did not offer an interest rate change. Their offer extends my years which makes me more economically challenged, and prevents me from building wealth. How is this okay? They received a bailout in XXXX and I'm sure that they've received assistance from CARES and ARPA, so they know what " help '' looks like. They should not be considered to big to fail when they are failing everyday people. This is unacceptable.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

My reports of id theft are near i possible to report to these to credit reporting companies who report the same information over and over again already disputed and I am at a loss what to do. XXXX wants proof of ID well then see attached. Why put up so many roadblocks since we are ongoing victims of id theft and should be granted our rights under the law
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (MO)

I have made several attempts, to National Credit Adjuster to have there agency to Delete from all 3 Credit Reports. On XX/XX/2021, I received a letter from XXXX, stating that they had Deleted National Credit Adjuster off my Credit Report. Come to find out that NCA continues to report to XXXX on the XXXX and The XXXX of the month, That's FRAUD! When speaking to someone there, they first reported that they report to XXXX, not XXXX not XXXX. Next thing I Know, All three are reported. NCA, also said that It's up to the Credit Bureau to delete not NCA, because of there Policy. I emailed the CEO XXXX XXXX many times he never contacted me.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

AFTER EVERY PAYMENT MADE, CITI CREDIT CARD LOWERS THE CREDIT LIMIT SO THE CARD IS ALWAYS SHOWING AS MAXED OUT. RECENTLY MADE A PAYMENT OF {$500.00} WHICH WAS 1/3 OF THE TOTAL BALANCE TO HAVE THEM AGAIN LOWER THE CREDIT LIMIT SO THE CARD IS AGAIN SHOWING AS MAXED AND IS REFLECTING NEGITIVILY ON MY CREDIT REPORT AS A RESULT
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently made a payment on XX/XX/XXXX. Prior to that I made XXXX payments. XXXX in XXXX and had a problem with insufficient funds. Second payment I got the account number wrong so it bounced back. I agree to these payments. Lastly I was told by capital one I made a payment from a XXXX account which is not mines. I let them know this is a fraudulent payment. This has happened to me across all of my cards due to the fact I was not able to use my cards. I had a personal problem thats put me out of life for the last 3 months. I am trying to get myself back together now and made a payment only for my account to be closed. I need access to credit all of this has destroyed my life. I need assistance with this.
Consumer complaint received 2022-01-02
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. (NY)

I have notified These credit reporting agencies that there is fraudulent accounts on my credit report, and i have asked them to remove it, i have given them all the information they need including my proof of identification, and a FTC report, they still have not removed these accounts, As in these companies are in violation of Code 15 U.S.C 1681b - Permissible purpose of consumer reports as my identity has been used Pursuant to 18 U.S.C 1028A., I demand that these accounts be removed.
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (MD)

My husband and I transferred money to an account holder with XXXX XXXX on XX/XX/2021. This money was for a rental that we had inquired about. We later found out that the rental property we had was copied and listed on another website by someone that was acting as the owner. The owner is being impersonated by someone else. 
We transferred XXXX dollars to the other account on XX/XX/2021. 
On XX/XX/2021 I filed a claim with my bank ( Navy Federal ) to return the funds XX/XX/2021 I followed up with them and the bank started the dispute process XX/XX/2021 Navy Federal sent a letter to the other bank I have an email thread of over 100 emails with the person who is impersonating the actual owner. We have yet to hear back from my bank regarding the funds being returned, the other bank has not responded to the dispute. 

This happened because the actual owner of the home had the home listed for rent and someone else had copied the listing and put it on another site, which is where I found the listing and inquired about it. 

I need assistance in getting the funds returned to me.
Consumer complaint received 2021-07-27
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. (AZ)

Dear Sir/ Madam, Me and my family had booked our dream trip to XXXX XXXX finally have my family in XXXX meet my wife and XXXX kids after 6 years of marriage. We bought a XXXX XXXX XXXX from their official website which costs {$4800.00} and had saved up for 3 years for that and some cash to spend in our 2 weeks holiday ( staying home wife with XXXX kids made it hard to save ). The flight started with XXXX XXXX from XXXX to XXXX, in which the plane arrived on time at XXXX, we ran out of the plane and headed to terminal 1 from terminal 4 to catch our XXXX to XXXX flight in which we were surprised that the flight had boarded and left at XXXX ( based on XXXX XXXX associate ) we were there at exactly XXXX yet the gate was closed and we were told to go to the XXXX XXXX  counter to try and rebook. Once we got there, we were told that we need to pay over {$4400.00}. We couldn't possibly afford or had been able to pay that or even close since we didn't even have half of that for the whole 2 weeks stay. We spent a whole week in hotels in New York in which spent all the trip money trying to have XXXX XXXX accept their mistake and rebook our flight for different date. Despite that our trip would have been cut in half from 2 weeks to one week yet we still want to make it. I have called every possible costumer service and spent two days at the airport XXXX XXXX counter with no response. I was treated very badly had told by the XXXX XXXX staff to continue my claim with their XXXX number and send feedback in which I did and it didn't help. On Thursday XX/XX/2021 I bought a return flight back to XXXX with the left money that I had in which cost {$1200.00} with XXXX XXXX. Facts to consider : 1- our flight in our ticket and boarding pass shows that boarding time is XXXX and departure at XXXX yet we were refused to board the plane although we were there at XXXX. 2XXXX XXXX response to me that request passengers to maintain 75 minutes before boarding time for international flights yet they had sold me a ticket with connection flight only landed XXXX ( touch down ) and you boarding time at XXXX, that's less then 40 minutes without any travel time from terminal to another. 3- despite the obvious, we were prepared to work with them and pay for ticket change cost yet they didn't want to help and instead on charging so much. I filed dispute to refund charge and bank favored the airlines although the airlines themselves stated that a charge back was proceeded by my Citibank. I called the Citibank over 10 times and had submitted all documents they requested and yet they dont want to proceed with dispute and closed the dispute. please help, we are out of options here, they don't want to issue a refund for our paid ticket.
Consumer complaint received 2023-02-20
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. (NJ)

Identity theft occured with serveral accounts that are listed on my credit report! 
All listed fraudulent accounts were sent to each credit reporting agency. It is a violation of my Privacy Act and against the law for someone to use my personal information to commit fraud. 
Police report is available to substantiate claim with an arrest and person charged and taken into custody! 
REMOVE ALL ITEMS LISTED TO CREDIT REPORTING AGENCIES
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (TX)

This is a formal complaint against Synchrony Bank Walmart located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank Walmart has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I mailed EQUIFAX a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from Equifax firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that Equifax examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed item must be investigated and delete it. 

1. This is not mine. I strongly believe - account was opened by fraud. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2021-07-27
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)

HELLO, I AM INQUIRING ON THE NEGATIVE ACCOUNTS THAT ARE STILL CURRENTLY REMAINING ON MY CREDIT REPORTS WITH XXXX  AND TRANSUNION. I'VE HAD ALL THE XXXX  ACCOUNT REMOVED DUE TO INACCURATE INFORMATION AS WELL AS THE XXXX  COLLECTION ACCOUNTS WHICH DO NOT PERTAIN TO ME. I DEMAND TO KNOW THE REASON WHY TRANSUNION AND XXXX  HAVEN'T SENT ME ANY CORRESPONDENCE REFERRING TO MY INVESTIGATION WITH THEM AND I HAVE YET TO RECEIVE A RESPONSE AS TO WHY THOSE REMAINING ACCOUNT ARE STILL REFLECTING. I'VE SENT THEM A LETTER IN ORDER TO DISPUTE THE INCORRECT INFORMATION AND NEED TO KNOW WHY ... ...
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

Exactly a year ago I applied for refinance of my current high interest mortgage with XXXX XXXX a US Bank Mortgage officer. My intent was to refinance the current 4.9 % interest to a lower 3.1 % interest Mortgage and take {$25000.00} out for remodeling. 

My credit is excellent and have been sending all the documents required as requested in a timely manner. However, after almost seven months delay, I was transferred to a different loan officer, XXXX XXXX who apologized for the delay and promised to complete the process within weeks. A few months passed and without any notice he transferred my file back to XXXX. 

In the meantime, on XX/XX/XXXX I informed XXXX, XXXX, and the processor XXXX that I have a 0 % interest 2nd loan with XXXX XXXX and sent them the subordination request form that I received from XXXX to allow them to take a 2nd position. However, this was ignored by all of them. 

Eventually about a month ago on XX/XX/XXXX XXXX XXXX the processor contacted me to tell me the loan is in final approval stage and informed me the loan package is set up to pay off the XXXX XXXX XXXX. I made it clear to her that my intent was not to replace 0 % interest with interest bearing loan from US bank. To refresh her memory, I resend the email that I had previously sent to all of them back in XX/XX/XXXX clarifying my intentions for applying. She apologized and informed me that despite my wishes the loan was set up that way and there was nothing that could be done to change it. Despite their negligence, she suggested that I restart the application process from scratch. I then made several attempts by phone and email to XXXX on XX/XX/XXXX attempting get explanation why the error happened and get a better understanding of what can be done moving forward to avoid the same kind of mistake from happening. It has been almost 4 weeks ; he has decided not to respond to me directly. Instead, he keeps sending me multiple confusing applications for me to sign. 

Despite the unprecedented delay in approving the refinance and processing cost incurred as well as high interest payment for over a year, I am still being mistreated. This has certainly been a very frustrating experience. 

On XX/XX/XXXX I contacted the Manager XXXX XXXX hoping offer amicable resolution. However, on XX/XX/XXXX he emailed me back saying the application was closed and his solution was to offer me the {$390.00} refund of my application fee practically denying me refinance with US Bank.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (AL)

On XX/XX/2021, I sent my first letter to the credit bureau about this account ( XXXX XXXX ) and I have not received a response. It has been 4 months and I have sent a letter every month since. They have had plenty of time to investigate and validate this account.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my XXXX endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$3400.00} XXXX BANK XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX : {$3400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2021-07-30
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: GATEWAY FIRST BANK (TX)

I have paid in full a second mortgage lien with Gateway Mortgage but Gateway Mortgage never reported my payments or the closed account to the credit bureaus since XXXX. I spoke to customer service and to the department that pertains to credit reporting but it was never done. Gateway Mortgage XXXX XXXX XXXX XXXX, XXXX, OK XXXX ; Customer Service - XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MA)

HI : NATIONAL CREDIT SYSTEMS / XXXX XXXX # XXXX {$2700.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.