davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Seven years ago, I had a single, protracted, but continuous delinquency event with a Bank of America mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago XXXX XXXX chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. XXXX  has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as Bank of America on this error, but have been unsuccessful in getting them to correct it. 

Bank of America claims that they are accurately reporting the account status, while XXXX XXXX is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of XXXX.
Consumer complaint received 2024-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

American Finance is stating that upon review of my investigation that they will not be removing the fraudulent account from my credit profile. The information they provided was incorrect. They provided an application for credit showing my address as XXXX XXXX XXXX XXXX XXXX, Il XXXX. In which I have not lived at that address in over 5 years. My current address is XXXX XXXX XXXX XXXX XXXX, Il XXXX where the correspondents were sent.This address on the application theyve provided is false. And as a result of the negative account associated with my credit it has mad a traumatic affect on my credit profile. I would like this account removed. Ive sent over several correspondence to American Finance they have yet to update this information on my credit profile or remove said account.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

Hello XXXX, someone I know told me hes do a business in the USA with another man and the person supposed to send him money but for some reason the transaction didnt go through so if he can use my bank account to receive the money and and send it to him which I agreed.so I received the money and then wired it into his account 3 weeks later I noticed my account is on negative I contact my bank, they told me the person that sent the money has recalled his money back in which my bank didnt inform or said nothing.so at this point my back has frozen my account getting to a month now i dont have access to my money and i feel like am been a victim to fraud but my bank is not helping me, my bills are backed up and its frustrating so am filing a complaint against my bank which is TD Bank .thank you!
Consumer complaint received 2022-04-04
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have credit reporting of XXXX  on my credit report. The account was open on XX/XX/2011. More than seven years for this account on my credit report. I still can not download or access my account.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — Store credit 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. (VT)

Macy 's is not reporting my payments made on my Macy 's charge account DSNB/ Macy 's # XXXX accurately. Acronym AID is listed. Card ending in XXXX. No payments shown that I made online. 
I never requested a credit increase from XXXX, XXXX dollars to XXXX, XXXX dollars and my last payment on XX/XX/2020 at XXXX Macy 's in store of XXXX is not listed. 

A scam artist or relative that found out I have a Macy 's Account could be commiting Fraud on my Account. My balance should not be XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

This complaint is regarding Citi 's dispute review process. I believe Citi has not followed their own dispute policy of resolving dispute in a timely manner. 

In XX/XX/2022, I booked a flight using my Citi XXXX XXXX. That flight later got cancelled due to the war in XXXX. I have contacted the booking agency for a refund which did not return my calls and did not answer my messages. I later disputed this charge with Citi. 

I submitted my dispute in XXXXXXXX XXXX and later called Citi to confirm my dispute was opened. They confirmed. On XX/XX/2022 I got a letter from Citi requesting evidence for my case ( which now has a number XXXX ). I emailed my evidence on XX/XX/2022, that letter included screenshots showing my cancelled flight info and my messages with the merchant that remained unanswered. 
Over the course of the next 3 months I called Citi twice to check on the status on my dispute and got the same answerit 's beeping reviewed. 
At this point my case is way outside the dispute window Citi claimed ( 30 days ) and my it remains unsolved. 

I have called Citi billing disputes again today, XX/XX/2022 and spoke with a supervisor named XXXX XXXX refused to give last name but claimed to be the only supervisor in billing disputes and provided code XXXX ), who told me that Citi has received my evidence on XX/XX/2022. I told him that the evidence was sent on XX/XX/XXXX, for which I have a record and he could not explain the gap. His best explanation was that it took a long time for my evidence to be scanned in ( mind you it was submitted electronically ), he told me that from here ( or rather from submission date ) cases take 10-12 business days to review, but could take as much as 30. 

My case remains open. 

In the documents attached to this request you can find a screenshot of my email providing requested evidence send on XX/XX/XXXX. 

There's something off about dispute process at citi, a claim submitted in XXXX should not take 8 months to be resolved. My evidence sent in XXXX being processed in XXXX, full 3 months later is odd. I kindly request Citi reviews my case an offers an explanation of the issue as well as a timely resolution.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (TX)

XX/XX/2013 Amount in collections is {$380.00} On this day there was no XXXX XXXX to see anyone at the XXXX XXXX  so they gave  to XXXX and sent home. Notified them that no medical exam was received and have not been able to rectify this.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (PA)

When I paid this account, the representative I spoke to promised me the account would be DELETED from my credit. for the last few years it has remained on my credit, despite many disputes and confusing correspondence. I should not have to go through such incredible lengths to enforce a promise. PLEASE HELP ME
Consumer complaint received 2017-04-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE LENDERS OF AMERICA (FL)

My husband and I closed on a house on XXXX XXXX, 2016 with Mortgage Lenders of America. They notified us about one month after closing that our flood insurance is not federally backed. It is privately backed, which apparently means they are unable to sell off our loan. They sent us the very first statement for our loan, and have not sent anything since. Every month I have paid using my bank 's online bill pay service, but I have no idea that it is being received, or how it is being credited to the account ( I have been paying extra each month ). I understand that they are in the business of closing loans to sell them, but this is an error on their part. There was a delay in closing specifically regarding the need to purchase flood insurance, and what we purchased was cleared by Mortgage Lenders of America for closing. This seems to be in direct violation of the Periodic Statement Rule. I sent an email to our loan officer, XXXX, requesting a monthly mortgage statement to confirm payments and proper allocation of additional funds to principal. This was the response that I received from him : " I told you that we do not have the capacity to service your loan. And is why we needed the FEMA certified flood insurance. To get this sold to the investor to take care of you. I have no idea but will send this on to see if we have been getting them. If you could please provide us with FEMA certified flood insurance we can get this sold and you will get all the payment coupons and a place to pay online and all the things most people have with their mortgage company. 

Thank you, XXXX, NMLS # XXXX Senior Mortgage Loan Officer Mortgage Lenders of America '' As consumers, we did everything they requested of us in order to purchase our home and I feel we have a right to receive mortgage statements and/or payment coupons, and also, basic customer service from the company that holds our mortgage.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (CT)

I initially reached out to XXXX for a potential auto loan refinancing. 

I noticed that they did hard inquiries, so I canceled the request. It shows canceled on their dashboard. 

16 days later, I received a notification that a hard inquiry was pulled on my from a company working with XXXX, the new company working with XXXX is called XXXX. 

I'm currently discussing the issue with the representative from XXXX assigned to my refinancing loan ; he has currently asked if I finished an application at XXXX this morning my time, to which I said no.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: First National Collection Bureau, Inc. (IL)

I received a letter on XX/XX/XXXX of this year from First national Collection Bureau , INC . They stated that i was sued and a judgment for the amount of XXXX was ordered in XX/XX/2007. The company that they claim the judgment was for is XXXX XXXX XXXX who is collecting on behalf of XXXX. The date of the letter is XX/XX/XXXX of this year. The letter states that it is a Judgement Collection and that you must dispute with in 30 days of receiving the letter. However there is no post mark stamp to determine when the letter was actually sent. The letter says it was sent from a PO Box in California but the office address of First National Collection Burea is in Nevada. They are also sending it addressed to my maiden name which I legally changed and have not used in over 20 years. The letter is very unclear. it states that i must contact them and once i do they will validate the judgement or the debt. I was never served to appear in court and I checked with every circuit clerk for the counties that we have resided in over the last 20 years and there are no judgements listed. I have never had any credit cards or loans for this amount and I have never heard of XXXX. When i did research on this company all I could find is that they were sued and settled for XXXX XXXX for false practices by the stated of California and that they eventually were bought by XXXX XXXX who is also no longer in business. I reached out to First national Collection and all they keep telling me is that they need me to pay and that if not they can garnish wages or come after assets. When I asked about the judgement and when and where did this take place I get told the same case number that is on the letter but they will not provide the state or county that it was secured in. When i request a supervisor I get left on hold and no one comes back or the call is disconnected. I was under the impression that before a collection agent could attempt to collect debt that by law under the FDCPA that they are required to verify the debt which their letter clearly states that they will only do if you dispute the claim.. This has all the earmarks of some kind of scam.My concern is that they are targeting people in these difficult times and threatening financial recourse for debt that is not valid. I am hoping that your agency can help and put a stop to this.They claim at the end of the letter that if you pay them now they will discount the amount by 40 % but that they are not obligated to renew the offer. It also doesn't state the terms of this payment arrangement. There are also no dates as to when each payment would be due.
Consumer complaint received 2022-10-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MT)

Equifax claimed they did an investigation on an alleged debt with XXXX XXXX Complaint # XXXX. How did you conduct the reinvestigation? Because 15 USC 1681a ( e ) says that an investigative report should not include information from a creditor... I need a detailed report of who you spoke to at XXXX within the next 10 days, during this time-remove the account from my consumer report as you are required. If you can not furnish me with that information, I demand you delete that alleged account from my consumer report. Send my written consent giving permission to report this account as well-because that's the only way this account should be on my consumer report. The fraud that has been taken place on this account is going to be in a court case very soon-you may want to separate yourself from this situation immediately.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2021-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX 11. XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

12. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. CAPITAL ONE BANK USA N Account Number : XXXX Please remove it from my credit report. 

14. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

I received a notice from CBHV ( Collection Bureau of the Hudson Valley ) on XX/XX/18 that I owed {$120.00} to a medical provider. That notice said " If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy ''. 

I sent a letter disputing the validity of the debt on XX/XX/18 requesting proof of the debt owed. Not only did I not receive any documentation to verify the validity of this debt, but I received 2 phone calls from this company asking me to pay the amount and another notice in the mail, disregarding the letter I sent them. I received a call on XX/XX/18 and on XX/XX/18 and another letter dated XX/XX/18. 

A debt collector " must stop collection activity until theyve sent the proof ''. They clearly disregarded this and are in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I mailed a check XX/XX/2021 for my mortgage someone stole my check used the routing number and my account number made the check out to someone and changed the amount of the check to XXXX, the person did not even sign my last name on the check clearly it was fraudulent Fifth third bank honored the check and the thief got my hard earned money, I filed a dispute with the bank, made a report with the police department, was told fifth third would reimburse my money it has been over 10 days and when I call the dispute line I get nothing but excuses, when I call t he bank manager she talks fast and gives empty promises I tried to close the account they said " No '' not until they reimburse the money a hold was put on the account, I tried to close my other two accounts and they gave me the run around, we don't have that kind of cash on hand or you need to make an appointment to close your account, I filed an investigation with fifth third on XX/XX/XXXX th and nothing has changed, I just want my XXXX that they let this XXXX take out of my account this person signed my first name and didn't even bother with my last name and they still let him get away with alot of my money, I want my money back and to be allowed to close my other two accounts in peace and they will never see me again.