davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX XXXX {$270000.00}.
Consumer complaint received 2018-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

XXXX  XXXX XXXX sold my mortgage to Carrington. I paid my mortgage on time until they took over XX/XX/2018. Now they are saying that i'm {$2800.00} past due almost 6 payments. I was not behind in my payments. And the mortgage statement said this is after they took over. I have all bank statments to prove all the payments I made to XXXX XXXX   XXXX. And the one payment of {$510.00}. Also I wish to inform Carrington that XXXX XXXX XXXX got {$22000.00} and that have flat out refused to show me where the money went. And nobody seems to care. I have tried to resolve this with Carrington about i'm  not past due of {$2800.00}. And all they did was argue. They already trying to pull something shady.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (OR)

US bank is harassing me for collection of over {$1000.00} in nsf and late fees and is having a collection agency from Texas call me and harass me for over {$3000.00}. This collection agency has left me voicemails saying they are coming to my home or workplace to serve me with a summons on behalf of US Bank. These tactics are entirely unacceptable. I called the collection agency who failed to identify themselves ( phone  number is XXXX ) and I asked them what their voicemail is about. The account in question is over 10 years old and I disputed the claim then, originally an nsf item which overdrew me less than {$10.00}. To think that I am being assessed over {$3000.00} for this is absolutely unethical and unconscionable. This issue is not on my credit report and I refuse to be bullied by US Bank or its collection agency. The collection agency said they were going to garnish my wages and said that I mismanaged my account and attempted to defraud the bank!! They are defrauding me! I told the collection agency that I disputed the validity of the claim then and now, and I refuse to pay this. I will continue to report this behavior and I do not want to be bothered with this anymore. This problem was entirely created by US Bank. Please help. Thank you.
Consumer complaint received 2018-10-23
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 was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion LLC, XXXX  and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to  comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Consumer complaint received 2022-07-11
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXX XXXX  XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$270000.00}.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated .This unauthorized and unrecognized hard inquiry on my report.
Consumer complaint received 2022-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (FL)

Im disputing a claim from XX/XX/2020 when I was in the emergency room. I two insurance. I have primary insurance XXXX XXXX and my secondary is Medically Needy through XXXX. My eligible following periods was XX/XX/2020 TO XX/XX/2020. Please see attachment below showing eligibility during that year. The XXXX XXXX XXXX XXXX XXXX XXXX department told me that I did I had a zero balance and they had both of my insurance listed. Your company has put me in the collection with inaccurate information. I attached proof of my secondary. I need this error corrected immediately. Im in the process of purchasing home. I find out about the collection wile Im in the process of purchasing a home from where my loan officer pulled my credit. Thank you for your assistant in this matter. Please feel free to call me to help me with this inaccurate information that was reported to the collection agency and credit bureau.
Consumer complaint received 2022-03-11
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 have previously sent in a claim similar to this complaint and haven't received the necessary results. I am attaching all the necessary documents to have these items removed from MY consumer report. These items are causing me to lose opportunities with work and housing. Please remove immediately!
Consumer complaint received 2018-10-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

XX/XX/XXXX To whom this may concern, I paid off and closed XXXX XXXX Credit Card with Account Number XXXX XXXX XXXX XXXX last XX/XX/XXXX ( Ref # XXXX ). All payments were made on time up to the closing of the account. It came to my attention on XX/XX/XXXX, the account was not closed and reported to all credit bureaus that I was delinquent and handed over to collections. I found that they had charged me without my knowledge annual and other fees. Additionally, they never closed my account. This dropped my credit score by over 130 points when the account had been paid off and supposedly closed as I requested in XX/XX/XXXX. I talked to XXXX XXXX XXXX  on XX/XX/XXXX and was assured the account will be closed and the {$100.00} charge reversed and reported corrected to all credit bureaus, removed/deleted from collections and cleared on my credit report. I was just told today I have to fax a letter with credit report information and an explanation. Please expedite this matter, clear this mistake and inform me immediately that the issue has been resolved, corrected and explained to credit bureaus and collection. I have included the appropriate section from my personal credit reporting company that shows the issue. Credit One`s reference number to this case is XXXX. As a result of this action by XXXX XXXX XXXX  my Credit Score dropped 130 points. Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I applied for a overdraft line of credit account from XXXX XXXX XXXX XXXX in XXXX and I was denied due to them not being able to Equifax not being able to verify my credit accounts. I contacted Equifax to have a freeze on my report lifted. Equifax submitted documentation that they lifted the freeze on XX/XX/2018. I applied again 1 week later and received the same letter from XXXX XXXX XXXX XXXX and was advised to verify that Equifax removed the freeze. I did so and it was verified that the freeze was removed. I applied again today, same issue. I contacted XXXX XXXX XXXX XXXX back and they stated that there is nothing that they can do. XXXX tells me it's an issue with Equifax, Equifax tells me that it's an issue with XXXX XXXX XXXX XXXX and that they should contact their business customer service department. XXXX XXXX XXXX XXXX states that they do not make calls to the bureaus. As a consumer, what can I do and I would hate it if I was applying for a mortgage and this error or run around occurred.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

XXXX  XXXX XXXX made an error when changing my XXXX XXXX to an XXXX XXXX took a bad check b/c of XXXX XXXX XXXX error now they wont re open my account due to XXXX XXXX XXXX  error
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

bank america closed out the wrong account when changing my sole prop to a LLC which caused 3 to 5 return checks XXXX  was a company that took one of the checks they closed my account b/c of bank of America error Now XXXX refuse to reopen the account Can you tell me how is this fair?
Consumer complaint received 2022-02-09
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. (NY)

Someone used a convenient check on my Sears Mastercard account on XX/XX/2022 in the amount of {$5000.00}. I DID NOT MAKE THIS CHARGE. Can you please help me resolve this issue.
Consumer complaint received 2019-05-07
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)

the following XXXX  XXXX  account is not mine, this is an inaccurate and fraud account reporting under my equifax credit reports, this has been disputed with them several times, they hare not helpful at all and to some what they are inaccurately reporting these accounts and not even helpful, i have already attached my police report, please find attached. 
please help me to have this one account removed from equifax thank you
Consumer complaint received 2017-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (GA)

I obtained a firsdt mortgage and a 2nd ( HELOC ) on XXXX XXXX XXXX with XXXX XXXX. The loan # with XXXX was XXXX. XXXX was acquired by XXXX. I contacted XXXX XXXX and they only show that the loan was transferred to XXXX XXXX / GMAC immediately. GMAC servicing is now handled by XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX at XXXX and left a very long and detailed voicemail. Ocwen is only able to provide payment history from the date the loan was transferred to them which is XXXX. I am trying to refinance as a rate and term refinance. In order to do so the current conventional lending guidelines require that I prove from my current lender that no draws were taken out from the inception of the loan. I need Ocwen to state that. I have n't ever used the HELOC for draws. It was only used to obtain the loan. I am now in jeopardy of losing the ability to refinance to pay of the HELOC while interest rates are low. The value has n't completely come back pre XXXX but I can now afford to pay it off with the current appraised value and some funds from me. There is a balloon payment on the HELOC in 3 years that I want to avoid. I need Ocwen to provide a letter stating that the loan has n't ever had a draw and to also produce the note. I think it is very restrictive that they wo n't /ca n't provide records to allow me to refinance to pay them off. I 'm not asking for any favors. It is unfair but if I were to start missing payments it would be an immediate impact on my credit and my ability to secure low interest rate financing and even employment. I am now 2 weeks into this process and I keep getting the run around. The letter I am going to upoad from Ocwen states there has been no draws since the loan was relocated to them but I need it from XXXX/XXXX/XXXX. If they lost or did n't obtain the records I feel they should provide anyway as I am powerless to move forward without it. I am trying to pay them off with no fault of my own I 'm at an impass.My monthly payment is XXXX a month. I am trying to give them their entire XXXX in a lump sum in less than 2 weeks. One would think they would do what is necessary since its a problem that these lost records have created. I have not missed a payment on this loan in 12 years. Please help resolve this.
Consumer complaint received 2022-03-11
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. (NC)

I have previously sent in a claim similar to this complaint and haven't received the necessary results. I am attaching all the necessary documents to have these items removed from MY consumer report. These items are causing me to lose opportunities with work and housing. Please remove immediately!
Consumer complaint received 2017-06-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (MD)

Existing account Fraud. On XXXX/XXXX/17 someone fraudulently accessed our Navy Federal Credit Union ( NFCU ) savings account online under my wife 's name utilizing her our account number, her date of birth and social security number and transferred to another NFCU member in the amount of {$3700.00}. The name of the member money was transferred to is XXXX XXXX XXXX. This person was able to establish account access even under an obvious fraudulent email address of XXXX. We do not know this person or have an affiliation with this person. We reported the incident within 2 hours after the transfer occurred as it was brought to our attention that NFCU had froze our account. We went to the nearest NFCU branch at XXXX XXXX, MD and reported the fraud to them and our complaint was submitted to NFCU Fraud Department under Fraud # XXXX. Since then we have closed our savings and checking accounts and have established new accounts. In addition we received new credit and debit cards. When calling to check on the status of this investigation with NFCU we get the same answer over and over, that is it is pending and will take 10 business days. Well it has been 10 business days and we have not received any updates to this investigation and have not received any of the {$3700.00} dollars that was fraudulently taken from our account. I 've asked to speak with NFCU security and the investigator assigned for updates only to be told that they are not available and that the status is pending. Having been a member with NFCU for over 20 years this kind of treatment and refusal to give me more information regarding this is beyond comprehension and frustration.
Consumer complaint received 2022-07-11
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)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$3400.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My phone and wallet were stolen from my studio and used to make a fraudulent check deposit and multiple transactions on the card afterwards on or around XX/XX/XXXX of 2021. The check was deposited for {$18000.00} and the unauthorized user made over {$7500.00} worth of fraudulent transactions before my account was frozen. There were many consecutive repeat transactions that were clearly suspicious but still went through. I was never alerted or contacted until after I noticed the fact. I tried to contact chase as soon as I noticed but was unable to speak to anyone at any of their call centers or different phone numbers or departments. I thought they would reach out to me but I still would try to call periodically. After finally getting through to claims and opening a claim, it was denied because it wasnt reported in a timely manner. I provided them with call logs showing my attempts to reach out. I was distressed and had a lot to recover and deal with and I felt completely neglected by my bank.
Consumer complaint received 2022-07-11
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. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$3400.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2019-05-07
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 HAVE REVIEWED MY CREDIT REPORT AND I HAVE FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED MASSIVE HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

I opened an a new savings account ( a check for {$2400.00} ) at Citibank with the branch manager - XXXX XXXX on XX/XX/XXXX. The branch is located at XXXX XXXX XXXX, XXXX XXXX, NY. ( I have a copy of the deposit slip and cancelled check. ) I have other accounts with Citibank for many years. In XX/XX/XXXX, I realized I had not gotten any statements from the bank on this account and I went to see Mr. XXXX. He said he had no record of the account and said he would investigate it. In XX/XX/XXXX I  stopped in the bank, and Mr. XXXX said I should have gotten correspondence saying it was being investigated. I never received correspondence. On XX/XX/XXXX, I went to the Citibank branch on XXXX XXXX XXXX and was told that I should speak to the branch manager at XXXX XXXX XXXX. I have made numerous calls to Citibank and get transferred to various people who do not help me. On XX/XX/XXXX, I was told that a case research XXXX XXXX ( Executive Response Unit at Citibank ) was going to investigate and to call in a week to 10 days. I called on Monday XX/XX/XXXX and today XX/XX/XXXX and left messages. He does not return my calls. I went to the XXXX XXXX XXXX Citibank today and was told that my funds must have been turned over as unclaimed property, but they have no record of this. I called today and spoke to Client Relations at  Citibank and they finally opened a case ( # XXXX ).  Client Relations said that the Executive Response Unit had  closed the case without any explanation.