davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (MO)

Im submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$370.00XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX  XXXX Balance Owed : {$30000.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-15
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. (NV)

The credit bureau stated my count was properly investigated, but how is that possible if the open date is inaccurate, the date last reported is not accurate, they updated an account that is not mine, the ground for removal, they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions Also the credit bureaus took more than 30 days to complete my investigation sent off by certified mail tracking #
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Professional Recovery Management (SC)

I have paid the amount in full to FOX collection for town and country rental that was promised to removed from credit report. I attempted to reach out to the company for public removal of the judgement and the property management decline to do so. I would like these public records removed and deleted immediately. I have the rights to privacy and I was unaware of any public record being filed and released without my consent.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Ten years ago, I submitted a qualified written request to Bank of America stating that a new Mortgage was originated on my home containing a forgery of my signature. 

Bank of America conducted an internal investigation and confirmed the forgery. Then XXXX XXXX, from Bank of America Victims Assistance Unit sent me a letter stating : " Please allow me to confirm that Bank of America has completed its investigation and concluded that the aforementioned loan should not reflect on your personal credit file. Bank of America has acted directly upon this finding and on XX/XX/XXXX, Bank of America submitted a correction to the four major credit bureaus with whom we correspond to remove the loan from your personal credit file. 

On XX/XX/XXXX, XXXX XXXX XXXX, the Vice President, Investigative Services Manager of the Mortgage Fraud Investigations Department at Bank of America confirms the existence of the forgery and writes Thank you for your patience as I have been attempting to locate an individual Bank of America advocate to work directly with you and all internal departments to address all of your concerns. I have been given the authorization to present your case to the Executive Relations Committee. I am in the process now of preparing a written statement and request for appointment of such an advocate for you which will include our case findings as well as departments we have supplied our findings necessary to resolve the issues which have arisen as a result of our confirmation of forgery. 

I will have my submission to them by the end of business today. I would think that someone from that group would contact you by the middle of next week. I will provide them with both your current telephone contact as well as this email address as well as my contact information. The credit group indicated that you may contact them at XXXX with case number XXXX for assistance surrounding your credit company concerns. 

To date, no one has contacted me, and the number provided is non-working number owned by Bank of America. 

On XX/XX/XXXX, Bank of America filed a foreclosure action against the me seeking {$320000.00}. The mortgage that I signed in XXXX was for {$140000.00}. This matter has already cost me over {$17000.00} in legal fees. The Bank of America lawyers are asking the judge grant a foreclosure on my home despite the fact that Bank of America has confirmed the forgery. 

Please help! I am about to lose my home.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX  XXXX Balance Owed : {$30000.00} XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (CA)

We have sent two letters in the mail one sent in XXXX of XXXX and another on XX/XX/XXXX that was sent with certified mail XXXX XXXX XXXX XXXX XXXX XXXX. We told the debt collector that we have no knowledge of the debt and requested invoices to provide. We also tried to call them on the number listed on their invoice but always got disconnected. This company continues to send us a bill and does respond to our letters.
Consumer complaint received 2022-07-27
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX
Consumer complaint received 2019-01-12
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)

My Transunion credit file shows one account twice, ( XXXX XXXX XXXX XXXX ) both are not mine. It is also reporting a delinquent account from ( XXXX XXXX ) a collection agency or debt buyer, collecting for XXXX that is not mines. I have been a satisfied XXXX customer for 8 years, I am demanding an investigation and removal of all three adverse account being incorrectly reported in my credit file
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX
Consumer complaint received 2022-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

The date was for XX/XX/2020 and the debt was for {$270.00} and wasn't aware that I could dispute this debt. The  XXXX Hospital  charged off my balance in XXXX of 2020 and did not make me aware that I had the right to dispute the charges there was no documentation that I had signed stating that this debt was owed to me.
Consumer complaint received 2022-07-27
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NM)

I moved out of the XXXX XXXX XXXX XXXX, owned by XXXX XXXX XXXX in XX/XX/2020. I received a bill from XXXX XXXX XXXX of {$780.00} for carpet replacement and an unpaid water bill. I paid the water bill of {$320.00} and sent them a check for the remaining {$450.00} in XX/XX/2020. The water company received my payment and XXXX XXXX XXXX cashed my check, which I can verify through my XX/XX/2020 bank statement. 

I received a bill of {$780.00} from a debt collection agency on XX/XX/2020. I called the debt collection agency to dispute the debt, since I had paid the water bill and the remaining balance, and left a voicemail. 

I then called XXXX XXXX XXXX to alert them that I had paid the debt. XXXX XXXX informed me that I owed an additional {$780.00} and she would not settle the debt.
Consumer complaint received 2024-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

this is an on going problem since 2010 wells fargo stole my families home from their fraudulent fourclousure practices I have solid proof of their fraud stealing my home, not trying to help me with any type of loan modification, remember that pick-a-payment plan, well my father was tricked into that, and not only that wells fargo filed fraudulent paperwork with san XXXX XXXX XXXX XXXX I cant believe after all this time they cant seem to admitt, they stole my house and compensate me for my loss, that house was in my family for 30 years,
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (CA)

Dates are blurry due to it being some time ago and having bad memory. Moved with my ex partner to an apart on XXXX XXXX. For some reason he couldnt get the internet connection, so it was put under my name. Everything was paid on time. Until the end of our lease. His behavior was getting worse, he ended kicking out the house. Lease ended and I was never allowed backed in. I thought he paid for the wifi and returned the box. Couples of month later the calls began. I let them know I no longer lived there and had no way to get in and return the box. Month later its now it collections bc the last payment is as never made even though it was pulled out of my bank account bc it was auto payments. The box was never returned even though I let my ex partner know. The calls were very frequent at least four times a week, this went on for three years until they report it on my credit score. I made a dispute but it was tossed. I have information on my ex partner if its needed. Time line is XXXX XXXX  XXXX
Consumer complaint received 2023-03-28
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. (NJ)

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 items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-09-23
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. (FL)

Equifax is currently reporting multiple inaccuracies on my credit report. 

I've notice that Equifax is reporting inquiries on my consumer credit report I do not recognize or has authorized. This is a violation of FCRA rules. 

1 ) XXXX XXXX XXXX ; inquiry date XX/XX/2020. I did not authorize this inquiry on my credit report. As a result ; reported as an accurate and needs to be removed immediately. 


2 ) XXXX card services, inquiry date XX/XX/2020. This inquiry is reporting illegally I did not authorize this. This is a violation of federal law inquiry must be removed immediately. 


3 ) XXXX XXXX XXXX XXXX, inquiry date XX/XX/2020, along with multiple inquiries on this date. I did not authorize this inquiry on my consumer credit report as a result this inquiry needs to be removed immediately. 

4 ) XXXX XXXX auto financing, inquiry date XX/XX/2020, along with multiple inquiries on this date.I did not authorize this inquiry on my credit profile. Inquiry is in violation of FCRA rules. As a result inquiry must be removed immediately. 

5 ) XXXX XXXX, inquiry date XX/XX/2020. Along with multiple inquiries on the date. I did not authorize this inquiry on my credit profile. As a result Equifax is in violation for reporting. Inquiry must be  immediately removed from a consumer credit report. 

6 ) XXXX XXXX XXXX  Dealer financing, inquiry date XX/XX/2020, along with multiple inquiries submitted on the states. I did not approve this inquiry on my consumer credit report. As a result Equifax is in violation for reporting this inquiry on my credit profile. inquiry must be deleted from my consumer credit report immediately. 

7 ) XXXX Auto finance, inquiry date XX/XX/2020. Along with multiple inquiries on this date. I did not authorize inquiry on my consumer credit report. As a result Equifax is in violation of FCRA rules and must immediately delete all inquiries mentioned from my consumer credit report.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

I received the response from Citi to my previous complaint XXXX regarding cash back reward of the Dividend credit card. They insisted the negative XXXX Dividend Dollar balance is correct. 


Again, this is absolutely wrong calculation even using their logic of how to apply the 5 % cash back onto eligible transactions from BestBuy purchases in 2021 XXXX quarter. 

Their response stated The {$1700.00} return from Best Buy, which was for the charge billed on XXXX XXXX, 2021, was received on XXXX XXXX, 2021. I agree that I should not receive cash back for the XX/XX/XXXX transaction, however, the transactions after XX/XX/2021 were still eligible for the 5 % cash back until the annual cap is reached. 


When the return was accomplished, it cancels the {$88.00} cash back earned from the XX/XX/XXXX transaction, which makes my accumulated cash back way below {$300.00} ( {$210.00} as of XX/XX/2021 ). 


Citi admitted they didnt grant 5 % on the Best Buy charge for {$1600.00} billed on XXXX XXXX, 2021. However, this transaction is eligible for the 5 % cash back since the cap was not reached. I did the calculation and included it in the attachment. 


Finally, the overall amount I spent at BestBuy was {$5900.00}, which qualified for {$290.00} cash back and didnt reach the annual cap. Since I redeemed {$300.00}, the cash reward balance should be - {$2.00} instead of - {$88.00}. I request Citi to review the calculation and correct the mistake. 



Additionally, I would like to emphasize the {$1700.00} refund from Best Buy was issued by Best Buy on XXXX XXXX, 2021. But Citi posted very late on XX/XX/XXXX, causing all these troubles. The processing speed of Citi is very disappointing.
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (AZ)

Closing on a home, XX/XX/2019 however, on XX/XX/2019 I had to resign from my position. I will no longer be employed and the home purchase was to be financed under just my name. Without future income I canceled the purchase contract but the finance company is not willing to give a decline letter. The loan has been approved but it is contingent on employment that will end in two weeks. I have not secured a new position at this time and it appears from voicemail and email that the finance company would like to continue the process of the home purchase regardless of my employment status.
Consumer complaint received 2018-11-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Diaz & Associates, Inc. (WI)

I never received written notice or phone calls regarding the debt. My employer was contacted and they sent me an email stating that the company advised if I didnt get in contact with them they would send a summons to my employer for court proceedings. I received a call and an email in XX/XX/XXXX from my HR department