davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I heard from Bank of America 's Executive Office, spoke with XXXX at XXXX XXXX. XXXX shared with me that BOA 's fraud department attempted to reach out to XXXX XXXX XXXX XXXX  ( where the check was drawn on ), and the fraud department reported back to her that they received no response and was not able to verify that this check was drawn on their bank. I find this insulting, and totally false. This bank 's practices and procedures have implied that somehow I have committed fraud by depositing a paper check. Please pull the recorded phone conversations and I would like evidence from the " fraud department '' and from the Clearinghouse that this check, in fact has not cleared as of today as XXXX represented. I found the Treasury 's phone number that was passed on to XXXX. Here is the website explaining the entire process, and the " view image '' shows that the check was processed through the clearinghouse as Bank of America denies, and they insist on holding of possible fraud here. They held my check during XXXX XXXX, for ten days and state that they can not verify which is all inaccurate. 
https : XXXX XXXX like the teller who told me it would only be held until XX/XX/22, and that changed. BOA is incongruent with their representations to their customers.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under U.S.C.1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection or closed account found on my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying identity information to apply for goods, services, or money, and was successful in creating false accounts. All is being investigated by FTC
Consumer complaint received 2019-01-19
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. (CA)

In XXXX I was denied employment due to credit. The job was financial related and required a good credit report. Two weeks later I was denied housing because the company stated my credit report showed debt to another housing provider. I pulled my Equifax credit report and discovered an inordinate amount of errors. There were over 50 errors total on my report. I sent them a letter immediately explaining and showing in detail why each item was an error and asked them to investigate and resolve. In XXXX they sent me back a letter saying that they had completed an investigation and verified all information. It was a very blanket letter not outlining how they conducted any investigation. I then sent them a response showing that these were in fact errors and should be either updated or deleted ( based upon each individual line item 's situation ). The response I received was almost an identical letter to the first one they sent. It did not address any of the my concerns at all. Overall I have repeatedly contacted this company in hopes that they would resolve these errors and they have not. Ive sent letters in XXXX, XXXX, and XXXX immediately upon receiving their repossess and have receipts of certified my mail being received by them each time. To date I am still unable to secure housing or a suitable job because of these errors. I. work in finance and can not afford to have such errors on my report. In addition to all of the negative errors I also discovered thatchy are not reporting at all on many of my positive credit lines. I have contacted my credit card companies to confirm that they report to the bureaus nd each confirmed that indeed they do report. Therefore there is no sufficient reason why my positive credit lines are not reported and thus why all of these erroneous negative items are reported. I am in a world of trouble because of this negligence and they just keep sending back the same letter saying they verified the items. There is no way to verify something that never happened. When I asked for proof of these items belonging to me in the form of anything I authorized or signed or even recordings where I gave approval I received nothing repeatedly. Please help me. 

Thank you
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

CUSTOMER : XXXX XXXX XXXX XXXX BANK : CITIBANK N.A. 

NUMBER DEBIT CARD : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX TYPE : CHECKING In XX/XX/XXXX I made a deposit of a check for an approximate value of {$900.00} dollars through the CITIMOBILE app. It is a completely legal check and CITIBANK proceeded to block me, freeze my financial product. 


I request that you intervene to cancel the account and return the money to me. It is a completely legal check and it has already been credited to my account. 

In the financial institution they do not give an answer and they have withheld the money from me. 


XXXX XXXX XXXX XXXX XXXX : XXXX EMAIL : XXXX XXXX
Consumer complaint received 2023-07-23
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 these accounts XXXX. XXXX, XXXX XXXX, and XXXX , XXXX XXXX XXXX XXXX, has violated my rights.

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 2024-03-15
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. (NY)

I am submitting today to file a complaint regarding identity theft that has adversely affected my financial well-being. On XX/XX/2024, I discovered unauthorized activity on my accounts and personal information I realized that I had become a victim of identity theft. Despite taking measures to safeguard my personal information, such as unauthorized individuals managed to access my personal and financial data. As a result, fraudulent accounts were opened in my name, unauthorized charges were made on my existing accounts, and my credit report has been impacted negatively. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX balance : {$300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Original creditor XXXX  XXXX Balance : {$430.00} XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AZ)

I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

According to my credit reports, Transworld Systems Inc/XXXX  opened a debt collection account on XX/XX/2023 for {$4900.00}. Transworld has never notified me of any debt and is falsely reporting the account. This is impacting my ability to borrow as my credit score has been impacted.
Consumer complaint received 2023-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I received a call from a Wells Fargo representative indicating that the company, as part of a federal (? ) ( or legal ) mandate was offering customers who held a mortgage with Wells Fargo a chance to lower their interest rates on their current mortgages, with Wells Fargo covering the closing costs. The representative indicated that the offer was what was owed to the customer and this was the company 's way of making reparation. He also stated that customers had the right to refuse, in which case Wells Fargo would document the offer and the customer 's refusal.

I was one of the customers identified as qualifying for this offer, and was therefore offered the opportunity to refinance at the lower rate ( with an option to shorten the remaining time left on the mortgage ). The process was tedious as a lot of documentation was requested from me, some of which caused me to incur fees to obtain. 
I spent a lot of time and energy gathering the documentation requested in order to meet every deadline that was set forth since the estimated closing was XX/XX/2023. As we continued the process I noticed that the closing costs were built into the loan amount and queried this with both of the representatives that were assigned to work with me. They both assured me that it would be removed before the closing. 
Approximately 2 weeks before the closing I received a letter from Wells Fargo denying the request for the refinance.The reason for the denial was due to a foreclosure on an investment property that occurred over seven years ago. The letter from Wells Fargo was worded as though I initiated the request for the refinance, but in actuality I was solicited by the company with the aforementioned information. 
This solicitation caused me to incur monetary fees which I am out as a result. Had they not approached me, I would not have incurred fees, thus they should be liable for the fees. Moreover, I have been a long term customer/mortgage holder with Wells Fargo and have consistently paid my mortgage on time. If the underwriters want to look for payment trends, they could start with my payment history with them and also take into account that this is my primary residence. 
Another consideration would be the amount of the mortgage refinance, which was approximately {$210000.00}. The house appraised for {$850000.00}, thus it is unlikely that I would default on a mortgage of {$210000.00}, with the amount of equity it holds. My lowest credit score of all the reporting agencies is XXXX thus I am puzzled by the decision that they made and believe it is unfair. I would like to be compensated/reimbursed for the monies I expended during this process. 
On another note, during the pandemic my mortgage payment was 1 day late and Wells Fargo charged a late fee as a result. This fee was never refunded to me even though it should not have occurred. I would also like this late fee to be refunded. This company is disgusting.
Consumer complaint received 2023-07-24
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. (AL)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

i vacated of the premises on XX/XX/, due to landlord and i came to an agreement since they wanted to sell their rental property, and i was there for already 7 years it was time, after an overwhelming sudden death of my mother who lived right around the corner and just the property wasnt properly maintained far as repairs by the landlord, so maybe the furnace was the reason i was billed high but the heat was rigged up by the landlord/mainteance man who would come each year to replace certain components in the unit, and instead of putting new venting and fixing the airducts he would just take a broom and sweep dust, and my kids had XXXX  XXXX, and there was mold in the unit, and anythime it gets cold during the winter months since we had upstairs and downstairs it takes a small amount of heat upstairs and it would be so cold, i had to purchase the ceramic efficient heaters that assist with energy saving so it used electricity and not gas, so my gas bill should have not been that high but they said i signed up for a therm that i didnt intentionally mean to because i was contacting them on their site and trying to get info about a lower fee and unbeknownst to me i did accidentally hit the higher themr and when i called them to rectify the situation they told me its too late and that i had to wait til the time perisod expired or something, i told them i was moving soon, and they told me well if youre moving you have to take our service regardless where you move because youre under a contract but i was like " huh ''? im like what if i move to another city/ state, and thye said still i had to use their service which was never heard of, i guess it depends which customer service agent gets on the phone. i tried my best to not turn the heater on to the house because my landlord/maintenaceman had the thermastat rigged up where i would of had to turn the heater on 80 degrees for it to completely come on and even after complaining he still woulldnt adjust it, he was fugal, mistreated me while i lived there despite a good tenant, paid on time each month, and he still would never fix it so i just used my ceramic heaters, but before i moved i made several of calls to the gas company and they knew i was moving and they still was billing me for another month... i paid pay as you go for electric so that varied based off usage per day so i used more electricity than gas, i barely turned my stove on due to the cost and the fact we were never home really so idk how it was that high, but they did say i was under a contract so they had to continue to bill me {$100.00} plus a month i think thats a scam especially if its a variable rate and fixed rate and youre not using it they just say whatever you dont use we will subtract if tor the following month in which they did not ever do.
Consumer complaint received 2023-07-24
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE TRY TO FIX THIS DATA INFORMATION WITH TRANSUNION CREDIT REPORT WITH THEM THEY WILL NOT FIX MY SCORE ALL THE DISPUTE I PUT IN THEY NEVER ANSWER NOR JUSTIFIED ABOUT THE DATA BREACHES ON MY CREDIT REPORT THEY CONTINUOUSLY LET CREDIT COMPANIES RUN XXXX INQUIRIES AND SOFT INQUIRIES ON MY CREDIT REPORT THEY DO NOT STOP OR DO A SECURITY CHECK ON THIS MATTERNOT ONLY THAT TRANSUNION CREDIT AGENCY STOP OR BLOCK ME OFF FROM SEEING MY CREDIT REPORT ONLINE I HAVE TRIED TO MANY TIMES AND ALSO WENT ANNUAL CREDIT REPORT ONLINE I REQUESTED FROM TRANSUNION, ANNUAL CREDIT REPORT ONLINE THEY REFUSED MY REQUEST TO VIEW MY CREDIT REPORT THIS HAS BEEN GOING ON SERVER YEAR AND MONTHS WHERE THEY HAVE BLOCK ME FROM MY CREDIT REPORT
Consumer complaint received 2023-07-24
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. (NJ)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-24
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. (NM)

I want to inform the EQUIFAX AND XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XXXX Balance : {$700.00} ; XXXX Balance : {$440.00}.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (KY)

There's a debt on my credit report that is harmful to my credit the collector is amsher debt collection I do not know of this debt and I sent them a KY debt validation letter filled out completely and the requirements of the KY debt validation letter was not fulfilled it's been months and yet the debt is still on my credit report still harming my credit and there still trying to collect
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.