davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Based on what I heard from Citi Cards " 2 customer services representatives '' and 2 supervisors, the company closed my account on XX/XX/XXXX due to a balance of approximately {$0.00} without any notifications by email, by regular mail, or by phone. ( between {$0.00} and {$1.00} - all information including my past transactions had already vanished when I logged in to my Citi thankyou Preferred Card account XXXX XXXX XXXX XXXX ). 

I spoke with the 1st supervisor on XXXX and he told me the account cancellation notification already sent to me in the year of XXXX. The supervisor from Citi Cards customer services claimed " the past notifications '' will send to my address after I requested to view the notification of my credit account cancellation. However, I received nothing after 1 month, so I contacted Citi Card customer services on XXXX and spoke with another supervisor again to request to mail the notification to me. What I received is " Account Update Notice '' -- - " Thank you for contacting our Customer Service Team. This account was closed effective XX/XX/XXXX ... '' ( Please see attachment of Citi Card Account Update Notice ). I don't know both supervisors try to fool me around or play games with me just for wasting my time. 

I also include attachments for the information of " twice '' confirmations of account cancellation and the list of past emails from Citi Cards for the card account mentioned above. There is no credit card account cancellation notification email at all. I deeply feel my credit account was cancelled due to result of discrimination. My guess was reasonable due to the result of not receiving the cancellation notification and nobody was able to tell me the reason for the cancellation.
Consumer complaint received 2023-03-06
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

The issue is between my business account XXXX XXXX XXXX and Wells Fargo Bank. This is the second time this incident happened, with the first time affecting my personal checking account. After doing research I found out that both accounts were and currently being charged for overdraft fees without being notified. Both accounts are set up for notifications of when the account drops below {$0.00}. These notifications comes 24 hours after the fees are taken. This is a system issue and I had to escalate last month for the same issue, that resulted in a {$170.00} refund. I have emails and a pattern to show that the actual charge that is overdraft never post on the account, but only the overdraft fees.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

experians dispute system and upload system are both non functional today. 
experian is displaying a lone XXXX XXXXXXXX account that no longer belongs to or is reported upon XXXX XXXXXXXX and this account must be immediately deleted.a letter from XXXX XXXXXXXX to me is attached here for experians edification or education or simply is the evidence required to immediately remove this account.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (TN)

There's information on my credit report that is not accurate and i would like it to be removed asap. Its stopping me for getting a home and car and it needs to be removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2021-07-01
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. (TN)

I am a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX  or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit bureaus.
Consumer complaint received 2021-07-01
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. (TN)

I am a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit bureaus.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. CAPITAL ONE XXXX and CAPITAL ONE XXXX.
Consumer complaint received 2021-07-01
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: ALLY FINANCIAL INC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-01
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. (PA)

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-12-17
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One Bank continues to violate my consumer rights by reporting a delinquency on my XXXX credit report as a charge off. I never consented to a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AL)

I have medical issues and I requested a forbearance. I was told, a homeowner can only get a forbearance for covid related issues. However on the loan care website it lists other reasons that qualify for mortgage relief. Loan care is not working with me to ensure I have the best option available to me. I have everyday for the past week and each representative gives me different information. some say I qualify for a forbearance for medical issues but loan care only sent me paperwork for a loan modification which is only like a {$150.00} reduction, this is not a big help for me seeing as how I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just want to be treated fairly and given the options available to homeowners who are struggling to pay their mortgage.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (CA)

This is my 1st 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 items XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX  XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXA Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2021 - This inquiry was not authorized please remove this from my credit report
Consumer complaint received 2023-05-19
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. (FL)

Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX  XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

According to FCRA 605B, it seems imperative for us to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? A few of the mentioned accounts seem to be misrepresented in terms of their reporting.
Consumer complaint received 2021-07-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

I own a home in New Jersey. My loan is FHA. There was a family who rented my property who was not able to pay the rent for a few months and had a history of missed payments. The tenants moved out of my home I believe in XX/XX/2021 due to lack of work as a result of Covid 19. My servicer at that time was XXXX XXXX XXXX. I requested to have a forbearance for the missed payments. My home remained vacant until XXXX until new tenants moved in. Once I started to receive income from the new tenants, I entered into a repayment plan with XXXX XXXX XXXX. After making 2 repayments as agreed, my house sustained a significant fire, {$300000.00} in damages. During this time, I was not able to continue to pay the agreed payments for the current and the past due balance. I contacted XXXX to discuss my options and informed them of the fire that took place and the loss of rental income. I was informed that my loan would be handled by a new servicer ( Fay Servicing ) and I was also informed that XXXX would not have the ability to provide any work out options, I would have to contact Fay Servicing. I contacted Fay Servicing and explained my situation. I made 2 payments to Fay Servicing XX/XX/2021 ( {$5000.00} ) and XX/XX/2021 ( {$7400.00} ) XXXX : {$12000.00}. I applied for a modification and was denied due to income which I find hard to believe. I was advised to sign the deed over to Fay Servicing in lieu of foreclosure. I contacted Fay Servicing to discuss mortgage assistance options or forbearance because I am only 3 months behind since I made the above-mentioned payments, now we are in XXXX, another payment is due. I was told that I don't qualify for a modification because of my income nor a forbearance because they do not participate in any forbearance programs. In addition, I was told that I am not protected under Covid 19 relief because I did not pay as agreed. I have sent several emails to my home preservation specialist ( XXXX XXXX ) to whom never responds and I have made several phone calls to XXXX but, he does not return phone calls either. I left a voice message for the supervisor in the home preservation department on XX/XX/XXXX explaining my situation and he or she has not returned my phone call. I received a Notice of Intent to Foreclose in XXXX after making such payments advising if I don't pay the delinquent balance, Fay Servicing will file for foreclosure by XX/XX/XXXX. Attached are some of the communications I had with Fay Servicing. I am desperate and I believe Fay Servicing has the ability to help me but, they refuse to. My insurance company has not paid me a XXXX since the fire. My mortgage payment is {$1800.00} per month. I work 7 days per week to try and catch up with my payments. I am on the brink of loosing my home with no help from anyone.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (TX)

Ive requested three separate times that Equifax, XXXX, and XXXX investigate and provide proof that some unauthorized inquiries be removed. After three months of waiting they have yet to respond or remove these. *attached support documentation
Consumer complaint received 2021-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One refuses to take off a paid off credit card that was initially fraud, from XXXX it is destroying my credit and theyve told me they cant take it off until XXXX years I have over 10 inquires from fraud they I can not take off my credit XXXX XXXX refuses to remove a XXXX XXXXear old credit card off my credit!
Consumer complaint received 2023-03-30
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-24
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: Experian Information Solutions Inc. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX