davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RSI Enterprises, Inc. (VA)

On XXXX XXXX I received a letter from a debt collection agency, RSI Enterprises XXXX Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX about a supposed debt owed to the XXXX. I do not owe any debt to the XXXX government and had never before received any information that any type of debt was owed. I have never been a resident of XXXX and only lived in XXXX while assigned to the XXXX in Virginia as a military member ( my state of residence was not XXXX and has never been XXXX ). I also do not own any real estate in XXXX.
Consumer complaint received 2016-06-10
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (WI)

Americollect has been contacted by me and by the XXXX regarding debts owed to them. They continue to answer in a manner that just gives a run around. No real solution. I had set up an automatic payment to pay on a debt they say I did n't pay. They stopped taking out of my checking after the payment was made on XXXX. The debt listed of {$60.00} should have been paid off. They claim I still owe it, they say that the last payment made was XXXX, but I proved to them that they took out another payment on XXXX, but they claim they applied to another account. They are not applying it correctly and refuse. I have also been disputing a debt from XXXX of {$640.00}. They are saying it was delinquent of XXXX, this does n't even give enough time for insurance to be billed and paid and then sent to me for payment. We filed for bankruptcy on XXXX and I have been questioning this debt. I know XXXX was the original debtor and they were included in my bankruptcy, which also means I did n't receive any bills either from them. I am only asking my bill show it was paid and the XXXX for {$640.00} should be removed, either way my 7 years will be up, or they are asking for a debt that was including in my bankruptcy which is against the law. They refuse to update my credit report with the correct information.
Consumer complaint received 2015-08-21
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: DISCOVER BANK (MA)

My prepaid card has XXXX $ on it. I called number on the back and After following the prompts, entering the number and expiration date, I got a voice recorded message that the card and the funds on it are no longer valid. The card is a prepaid discover, and the expiration was XX/XX/2015. Is there any way I can redeem the $ $
Consumer complaint received 2021-06-04
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. (TX)

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (TX)

There are items on my consumer credit report that do not belong to me. I have sent the required document per federal law to have them removed including the FTC report, ID, proof of residency, and a letter including the accounts that must be removed. Equifax has already received all of these documents. It has been more than 4 days. They still have not removed these accounts from my consumer credit report.
Consumer complaint received 2019-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

I opened a gold checking account with US Bank in XXXX of last year, and was told the account would be fee free as long as I had a US Bank Credit Card. The card was closed without my knowledge ( I did not receive a message or letter stating the card was closed ) and I was charged monthly fees of {$14.00} for XXXX and XXXX. I would like to request that these fees be refunded since I was not informed at the time that the card was being closed.
Consumer complaint received 2016-04-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX I had a 5.9 % fixed interest rate on my credit card before Bank of America bought it out. The 5.9 % fixed rate carried over when Bank of America took over until recently they changed me to a higher and variable rate without my consent and for no other reason. I have great credit. 
PS When I first spoke to a representative about this he stated that my rate had changed due to Government rate changes. This is when I knew that I no longer had the fixed rate. I then asked if there were any one receiving a fixed rate and there are. Therefore I requested that my rate be changed back.
Consumer complaint received 2020-08-31
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. (AR)

I RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (MD)

My ex-girlfriend opened this account while we were together, without my permissions, using my social security number and date of birth. I was home at the time, and she had gone to the XXXX store she worked at. XXXX ( the company alleging I owe this debt ) had a sales rep at XXXX stores at the time, and this is how she signed up for XXXX service in my name, using my information, without my knowledge or permission. 

I noticed the debt when our relationship ended and I moved out. I disputed it, and submitted as evidence the surveillance video of the XXXX store on the day and time this account was opened, showing that I was not present at the time. 

I submitted a written notice of dispute to XXXX in XXXX 2014, and alerted the XXXX credit bureaus. After submitting evidence, it was settled and removed from my credit reports. 

I 've just received a collection letter from Enhanced Recovery Company , LLC, alleging that I still owe this debt. This is unfair debt collection practice as this debt was determined to be the result of my identity being stolen.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Our mortgage was acquired by Bank of America when they purchased Countrywide. 
We had a modification in 2012 due to the DOJ National Mortgage Settlement. Part of the modification agreement stated that any escrow amount, or interest that was past due before the effective modification date of XXXX would be added to the principal balance. There were accounting errors that left a negative balance in our escrow account prompting a significant increase in our monthly payment. I reported the error to the law firm that represented BofA, to the customer service rep ( not there anymore ), the Post Modification Dept., Escrow Dept. etc. etc. with XXXX remedy. I was told the only way to clear up the concerns would be to apply for another modification and resubmit all the documents again. Feeling like I did not have another option and the Bank was now not applying my monthly payments b/ they were not " full '' payments, I sent in the modification packet. I received the same type of run around with missing documents, new customer service rep 's, etc. and was ultimately turned down. I appealed and the appeal was turned down. Extremely frustrated, I stopped making payments and was attempting, yet again to reach someone that could make a decision. My loan was then transferred/ sold to XXXX in XXXX. XXXX was missing several documents and was not able to tell me the terms of my loan etc. I have to date sent XXXX 3 Qualified Written Requests per RESPA with one late vague response that did not answer my concerns. I have been in contact with XXXX repeatedly. I have stated that I am still waiting for the documents I have requested showing that they have legitimate rights to collect my payments. I also would like documentation of the transfer agreement and proof that the trust XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX is the true owner/holder of our original note. 
I find the fact of BofA pooling and selling off XXXX of dollars of distressed loans to be unsettling. I have reached out to BofA to obtain more information without resolve. XXXX XXXX has now filed foreclosure complaint. This seems to be a way for BofA to avoid addressing the issues with the toxic Countrywide loans.
Consumer complaint received 2015-11-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Regarding account XXXX, reported by XXXX XXXX as the listed creditor to TransUnion LLC XXXX 
I spoke with the reporting creditor employee # XXXX XXXX/XXXX/2015 XXXX, and specialist # XXXX XXXX/XXXX/2015 XXXX in recorded and saved phone calls requesting them to verify and send copies of the information they 're reporting to the CRA. XXXX XXXX XXXX representatives stated they have no records of this account and could not supply any information on what was being reported because it was created by a different lender that no longer services. XXXX XXXX has stated they are not the original creditor but is reporting as such. Account is missing in all variations on annual reports pulled XXXX and prior but is reporting an open date XX/XX/XXXX. The alleged debt buyer identified by XXXX XXXX has made no claims to the account, nor has it sent any records of validation to justify the reported balance. TransUnion verified all account information with the reporting creditor despite admitted missing records, and has not complied with dispute requests to remove or XXXX ( a ) ( XXXX ) requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA XXXX violations.
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed 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
Consumer complaint received 2016-05-02
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (CA)

Missing Funds. Funds that were requested to be transferred were lost by the receiving Bank, Discover Bank. 

I initiated an online transfer of funds from XXXX XXXX XXXX ( from the Discover Bank website ) to Discover Bank on XXXX XXXX, 2016. On XXXX XXXX, 2016, the Discover Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, XXXX XXXX XXXX records indicated that the requested amount was withdrawn by Discover Bank. On the weekend of XXXX XXXX or XXXX, I closed the XXXX XXXX Account believing the Discover Bank statement that they received the XXXX XXXX funds. On XXXX XXXX, Discover Bank Online History indicated a reverse ACH deposit from XXXX XXXX Bank. Also, on XXXX XXXX, XXXX a.m., I received an email from XXXX XXXX Bank stating that XXXX XXXX was unable to complete the transfer request from Discover Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from Discover Bank to withdraw money ''. ). 

According to a conference call among XXXX XXXX, Discover Bank and myself on XXXX XXXX, 2016, XXXX XXXX stated that they rejected the returned funds from Discover Bank and resent the funds to Discover Bank. ( Trace number is XXXX sent on XXXX XXXX Eastern Time, XXXX XXXX. ) Discover Bank can not find the funds and hence they have not deposited them in my bank account. 

The funds have not been shown to be in both XXXX XXXX XXXX and Discover Bank since XXXX XXXX, 2016. 

We are imploring this agency to push Discover Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to Discover Bank and XXXX XXXX Bank have not yielded any meaningful results.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Transunion an inordinate amount of times regarding updating my credit report after my Chapter XXXX bankruptcy discharge. They are listing accounts from XXXX XXXX XXXX as active accounts. These accounts were included in the bankruptcy years ago. There have been no new accounts or dealings with any company associated with XXXX XXXX. I should not have these items on my credit report any longer. I have sent in copies of my bankruptcy discharge papers as well as proof of my address and how long I've lived there. This has all been to no avail. I have asked several times to be provided with any data they have so that I may file an identity theft report if someone has in fact utilized my information without my consent. To date they have provided nothing. They continue to snd back computer generated letters stating the debts have been verified but according to the Federal Credit Reporting Act this is false. That to me seems unlawful. Therefore I filed a complaint with CFPB previously. You, too were unable to resolve this matter with Transunion. This is against the law. I have contacted this XXXX XXXX company over 30 times. They admit to having received my bankruptcy notification. Then when I ask to speak to a supervisor to assist in communicating this to Transunion, I am transferred around and mysteriously hung up on. This is all absurd and I will be filing lawsuit and complaint with the federal court with regard to the bankruptcy laws being violated within the next few days.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

Tried to pull two credit reports today ; XXXX and Equifax. 

For identity verification, Equifax displayed a series of irrelevant questions, then claimed they were unable to verify my identity. Interestingly, they were able to verify my identity for a previous transaction on same day. Subsequent attempts to pull report resulted in same result. This has happened multiple times with Equifax. 

Later today I tried to pull my XXXX report and received the following message - " We're sorry. A condition exists that prevents XXXX from being able to accept your request at this time. ''
Consumer complaint received 2022-02-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AR)

2 months ago citi bank closed my savings account, they said it was due to suspicious activity. I had done nothing wrong or illegal, they said they had to do a investigation and once they did this investigation, that they would cut me a check for the balance in my savings account. I was getting text messages everyday that informed me of my balance, my balance was XXXX all the way up until XXXX XXXX then I got a message saying my balance was XXXX cents. I tried to call and couldn't get through, then XXXX delivered me a check from the bank for only XXXX. They owe me roughly XXXX dollars. I do not understand how they could have held my funds in the first place, and then to not even pay them back is unexceptable. I lost my car and my utilities have been off for over a month now because I was denied access to my own funds. Please help me, I have tried everything to work with this bank, all they keep saying is you'll get a letter. I don't want a letter I want my money.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, XXXX I mailed an unauthorized inquiry letter certified to this Credit Bureau upon checking the letter was delivered XXXX XXXX, XXXX here it is today XXXX XXXX well over 30 days. I have contacted Equifax in regards to this dispute because I have not received any documentation in reference to this dispute. And I know my rights as a consumer when it comes to the Bureaus not responding within 30 days. Upon talking to a Representative she was able to tell me that they had received the letter that was mailed out XXXX XXXX, XXXX and received by them XXXX XXXX, XXXX but was unable to tell me why I never received anything in regards to the dispute. And then proceeded to tell me she can mail me out a letter stating how to have these unauthorized inquiries removed well after the 30 days from when the Bureau received my letter, also proceeded to tell me I have to contact the companies when I have contacted them on numerous occasions and was told I have to dispute them thru the Credit Bureau and that was my purpose for sending off the dispute letter that was never taken into consideration by Equifax. I know my rights as a consumer and know that inquiries are only allowed to be placed on your report for 1. Firm offer of credit 2. Insurance 3. Employment and 4. Court order. The following inquiries listed on my report are related to none of the aforementioned permissible and would like them removed from my report. As follows 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX/XXXX/XXXX
Consumer complaint received 2023-04-02
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. (DE)

On the day of XX/XX/2023, I submitted claims out to XXXX, XXXX, and Equifax. Here is my tracking numbers : XXXX- XXXX, XXXX XXXX, Equifax- XXXX However the credit bureaus said the completed the investigation and everything was 100 % accurate According to the la 15 U.S.Code $ 1681a - Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, triends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowiedge conceming any such items of information. However, such information shal not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation
Consumer complaint received 2015-12-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

on XXXX 2015, I received a letter from GreenTree stating that they ( XXXX ) at XXXX extension XXXX would help us with our home property to be inspected and condemned as unliveable due to the poor condition of the house. 
On XXXX 2015, I got a call from XXXX XXXX with Greentree now Ditech president 's office ( XXXX XXXX XXXX ) at same number not sure of extension. She informed me that I would need to get the XXXX XXXX Housing Authority or Appraiser or commissioner to help with the inspection because Greentree only does outside inspections not inside inspections of the house. Sir, I have tried to get XXXX XXXX Appraiser, City and Commissioner to help, but no one knows how to go about helping us condemn the house because they have never heard of such a thing. 
Please help us to know how to approach this situation. Right now we are being charged exorbitant home owners ' insurance on the vacant house because it is in a vacant or abandoned situation which we did not want to move but we had no choice since the house was very detrimental to our health and our children 's health. Please help us to avoid further exorbitant insurance costs in fact by the end of XXXX the insurance company XXXX is going to assess a rate hike because they said they can do it? Please sir, the cost of insurance on a falling apart house is not worth the cost of carrying insurance on it. In fact the house payment is probably less than the cost of the insurance at this point.
Consumer complaint received 2020-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

We received letters from Wells Fargo informing us that all of our accounts will be closed by XX/XX/XXXX, with no explanation. We have 3 accounts for my wife and I, and XXXX for our adult children. We called Wells Fargo and they told us it is a business decision and could not offer more information. We had our accounts for nearly 21 years ( Wachovia then acquired by WF )