davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I am writing to express my frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent entries remain unresolved. 

It is deeply troubling to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise concerns about the security of my account and potential vulnerabilities to fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the security of my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX 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 2019-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CT)

Since XX/XX/XXXX American Express Bluebird Debit Card Customer Service reps have been giving me the run around. I purchased this card for {$5.00} in XX/XX/XXXX and used it until just recently for paying bills, online purchases, and direct deposit of my VA compensation check just to name a few. 
My VA check this month was processed on XX/XX/XXXX and received by Bluebird thru American Express National Bank. That check is being held by them and not released to me. I called The Veterans Benefit number today at XXXX and spoke with a representative who helped assist me in my future direct deposits however he told me explicitly that the VA has not received my check back and that it has been in FACT deposited into my Bluebird account. 
The Bluebird representative told me that I was pre-selected to have my account shut down and would give no reason as to why I never received notification that Bluebird was doing this. They are collecting interest on my check that they are are not releasing to me now for at least the last 4-5 days. 
I want my VA check released to me by Bluebird A/S/A/P. I also want the {$5.00} I paid for this card ending in # XXXX refunded to me. I also want refunded the {$5.00} for the Bluebird card I had gotten for my son that never worked ending in # XXXX and also {$5.00} for the Bluebird account I got for my boyfriend XXXX XXXX ending in # XXXX whom no longer wants the card. Furthermore I want refunded the {$5.00} I was charged on top of purchasing these cards each time when I used them for the first time. 
I want refunded a grand total of {$30.00} for my inconvenience. I want the refund based also due in part to the deliberate run around I endured. Reps knowlingly were telling me for days that my direct deposit could take up to several days to reach my account. They knew full well what was going on with my account and lied to me. I want this refund also based upon the fact that Bluebird caused me direct stress and aggravation with their complete lack of customer service and regard for my VA income. Lastly for hassles I have endured causing me to be late paying my bills. ALL due to Bluebirds total disregard of my account and funds due to me from the US Treasury on the first of every month. I never had an issue with Bluebird like this for over 6 years until I recently started utilizing another bank. Coincidence, you be the judge.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-14
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The actual account liability in this report is very mistaken and/or inaccurate, I highly recommend you supply an explanation which I am the party accountable with this account or completely delete the item out of reporting on my credit report. This entry produces me personally intense financial difficulty. Only because that your office has also established this account as truthful for a time already- I am again demanding for reinvestigation before I'm going to talk with legal counsel in regards to the wilful non-compliance within your agency is not giving me the material I requested during my past dispute. In addition, I highly recommend you give me a duplicate of the contract settled or voice conversation exactly where I authorized charging me through this account. In any other case, you need to take off this from my credit in line with the Fair Credit Reporting Act together with the Fair Credit Billing Act. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Consumer complaint received 2020-08-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$23000.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have repeatedly disputed the XXXX XXXX XXXX XXXX account on my credit report with each bureau. Each one is reporting inaccurate information they claim is verified. Each one is reporting different information. There should not be a payment due listed on this charged off account. It was written off, but the bureaus claim there is a payment due and a balance due. I requested the payment history from XXXX XXXX XXXX XXXX, and have provided that to the bureaus, but they are still reporting inaccurate information as verified. XXXX states the balance due is {$2000.00}. The bureaus are reporting {$8900.00} due.The payment history is incorrect according to the document provided by XXXX XXXX. This inaccurate information has been disputed, however, it is still inaccurately being reported. This misinformation is extremely detrimental to my financial well being and credit.
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (CA)

I bought a XXXX XXXX XXXX from Carvana online in XX/XX/XXXX. 
Few months later, I found out my wheels were staggered and could fall off the car, according to XXXX. It is a health hazard and i have a XXXXyear old i carry in the back seat. 
Carvana never disclossed to me that the wheels and drive train were changed. This is my life we are talking about, and that of my family. I am a XXXX man and i know if i was XXXX, I would be given full disclosure. 
Carvana and XXXX  ( warranty company ) would not entertain my explanation and consider my claim, even though there's a record of me reporting this same issue when i first found out on XX/XX/XXXX. 
They claim i needed a Diagnosis from when i first reported the issue, even though I've sent them and uploaded a file from my Service Advisor at XXXX, and the PDF clearly states my claim. This is not a new problem. This is something that started even before i got the car. Why can't it be simply corrected back to manufacturer 's specification?
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I have a mortgage from XXXX XXXX which is administered by Ocwen. I have an XXXX from XXXXXXXX XXXX University which was ranked # 14 in the country when I graduated so I understand financial instruments. I have a buyer for the house, but instead of the amount owed being a Current Principal Balance {$46000.00}, Ocwen said it was {$58000.00}. I was alarmed because my expectations were the balance is less on an early pay off. I questioned the account manager and here are some of the charges that were either ambiguous by name or just false. {$250.00} for house appraisal, never happened never heard what the established value was. The list went on {$2700.00}, {$160.00}, {$1200.00}, {$160.00}, {$17.00}, {$19.00}, {$700.00}, {$400.00}. I had him stop there.
I had to press him extremely hard to find out all my options. At one time upon their own volition they did a " streamnline mortgage ''. I neither ask for it in writing or verbally. I missed a XXXX payment, but made the XXXX payment. In XXXX I tried to make a payment, but they refused to accept it stating I was over 89 days past due. In an earlier conversation the representative told me specifically you now do not get locked out until 120 days past. This was again corroborated today XX/XX/XXXX. The XXXX payment should have been accepted by Ocwen but  they created a false prohibition using a previous policy that had ben modified. I was then told I was not eligible for HAMP after XXXX XXXX? I have a buyer that will take the property and the balance will be paid. With the additional {$12000.00} they have become reluctant and Ocwen has served me with papers fron the sheriff. This is highway robbery made up fees and charges for things never done or without clear definitions of these fictional charges No explanation. I need help!
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 
i already fix the problem with the irs and i have the documents to prove it. 

Enclosure : Form XXXX A I TRY TO FIX THIS MISTAKE FROM 2013 TAKE THIS OUT OF MY CREDIT REPORT ( NOT MINE UNDERSTAND ) CHECK THE ATTACHMENT ( Enclosure : Form XXXX )
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is at it again! Since my last complaint I just filed a short time ago they have now posted a totally false collection from some company I 've never heard of before! 
XXXX XXXX {$1000.00} {$0.00} XXXX account reported on XX/XX/2017 XXXX accounts reported on XX/XX/2017 Open Account # XXXX {$1000.00} Balance XXXX XXXX MIXED CC Original Creditor {$1000.00} High Balance XX/XX/2017 Opened Date XX/XX/2017 Last Reported Individual Responsibility Placed for collection Remarks Note This is fake! I feel TransUnion is deliberately trying to ruin my credit! They should be put out of business! This whole situation with TransUnion is getting very old.
Consumer complaint received 2021-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (CA)

The Capital Account was sent to collections in 2016 and is a medical debt that is in dispute. This account continues to renew monthly and is affecting my credit score negatively. The amount is inaccurate. This account should not continue to renew after it's been sent to collections especially when it's a medical dispute for an auto accident. Please remove from XXXX. it has been removed from the other two credit bureau yet still remains in XXXX.
Consumer complaint received 2018-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Tried to get a modification due to hardship of divorce, loss of income. Submitted documents required and they gave me the excuse of the bottom of pay stub being ripped. They gave me the run around continuing to ask for more documents and claiming they didnt receive them. Her father had just passed away and lost all hope of everything including saving home. When I came in as third person party to help I got the auction date postponed. And started the process all over again for modification. This company has done nothing to help my client. Long story short they denied her the modification again so we went into short sale option. Now they have denied her the short sale at the last minute.There is no reason for them to deny the short sale. She has 13 offers on the property. I have detailed notes of each conversation dated and the person that I spoke with. I am at a loss as to how to help my client. She can possibly lose her job over this due to having a foreclosure on record it is considered suspicion of character. I have reached out to XXXX XXXX XXXX XXXX XXXX but I am not sure they can help. I need to help this family. This lender is fraudulent and corrupt and they need to have consequences.
Consumer complaint received 2021-04-28
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. (TX)

not mine : FCRA violations : XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IL)

American Coradius International LLC sent me a debt collection notice for their client XXXX. I do not have a XXXX account, never did, and never buy anything that would offer an option of XXXX. The amount is {$110.00}. There is no date of transaction or description of item purchased. This is the first notice I have of this " debt '', having never received a phone call or bill from XXXX. It went directly to a debt collector. " If I act before XX/XX/2020, they will accept {$88.00}. '' I tried calling XXXX, but they have no phone customer service " because of the corona virus ''. I went to their website, but can not get past the first screen which asks for the member 's account No. and password. I have no account number. That is the problem. When I XXXX ACI debt collection company I saw similar complaints about this debt collector and XXXX. The address of ACI is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX was started by XXXX XXXX of course. I have reported this problem to U.S. Senator XXXX and state senator XXXX.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX accounts that are reporting incorrectly nj federal court account # XXXX this is reporting incorrectly XXXX account # XXXX this is reporting incorrectly nissan infinity account # XXXX this is reporting incorrectly all XXXX accounts are reporting incorrect data and need to be corrected
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (GA)

Ability Recovery Services re-aged the date of delinquency to XX/XX/XXXX, when the actual date of delinquency was between XXXX. The amount of the re-aged debt shows an amount owed of {$5600.00}. Attempts were made to request documentation for said debt to show the date of delinquency in XXXX of XXXX and in XXXX of XXXX. With a dispute also being filed in XXXX of XXXX, which I am still waiting on notification of outcome. The agency has avoided and evaded all attempts to provide any documentation. The illegal actions committed by said agency have impacted my ability to obtain federal employment.
Consumer complaint received 2015-12-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My Citizens Bank account ( XXXX ) was compromised by a hacker. Whoever it was attempted to access my accountant. The problem was discovered, when I attempted to log in through my mobile app. The XXXX asked me to contact my bank because I was locked. In a previous phone with XXXX, I was informed that someone attempted to hack my account because the log-in location did not match my usual login pattern. They immediately escalate the incident. Citizens Bank, however, did not investigate as promised but instead they reset my password but I was still unable to log-in. During all my frustration, I transferred funds from my business account to personal account which is a separate ID. In the confusion I transferred it funds to the wrong account. I attempted to log into account after the password was reset from my mobile app and I was locked out again. Yesterday, I came in I did not get a chance to check my account. This morning the confusion of the deposit was discovered as a result my bank is charging me {$35.00}. I try to explain that my account was hacked, but my security question prevented any withdrawals. My bank refused to refund my XXXX and tried the entire incident as my error. I am still unable to use my mobile app and XXXX had reset my password again. The only way I can access my personal account is via a PC. Until I call this morning, my treated the attempted hacking as a user error, instead of, changing my user ID. I need my funds back because I am stressed and on high alert. Please help.