davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (LA)

Im submitting a complaint to you today to inform you I was the 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 COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting XXXX are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Updated : XX/XX/XXXX, XXXX LA XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I joined Costco Whole Sale as a member in XXXX, 2021. Costco demands you sign up for Citi VISA to pat for any purchases. I did sign up for the required credit card, Citi VISA, offered by Costco. I did enter a bank account routing and account numbers to pay the charges on the credit card. I was shocked to discover that the payment was returned, there are sufficient funds to pay the bill in that bank account provided, nevertheless, I called customer service at XXXX to find out that the bank account number had a missing digit or some sort of error. I provided the Rep. of Citi VISA with the correct account number and I specifically asked him that I do not want to pay extra charges. He then told once you make the payment when you receive the email no charges will be added. I checked my account to find out extra charges of {$29.00} and running total of {$64.00}, I called customer service who refused to remove the charge. Deceiving and cheating pay customers. Citi Bank customer Service rep. stated there was nothing that can be done. I told him that his colleague stated that there will be no extra charge once I receive the email notification which i did. I also provided another checking account to avoid any more issues. I asked to speak to a manage to try to resolve the issue, I was put on hold, typical strategy so the customer hangs and gives up, no manager or supervisor came to the phone to discuss the issue. The customer service Rep. ID XXXX who told to call back on XXXX XXXX but no reasons were provided for the call back on that date. He also refused to locate or listen to the recorded conversation I had with is colleague,
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Charge offs are considered income and should not be reported on my credit report according to XXXX XXXX XXXX ( XXXX ) and the IRS publication XXXX and XXXX XXXX XXXX. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income. 

XXXX XXXX XXXX XXXX XXXX XXXX are charge off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX are CANCELED DEBTS, that I have received copy b of my XXXX form.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I am filing a complaint against Suntrust by Truit banking institution. I recently opened an account with {$100.00} cash at the XXXX XXXX in XXXX Florida XXXX on XX/XX/2020. The address for that location is XXXX XXXX XXXX, XXXX Florida, XXXX. I am a current claimant of unemployment by the DEO ( Department Of Economic Opportunity ) I have since deposited 4 checks into my Suntrust account in which the funds were cleared and made available. The check amounts are as listed 1. {$600.00} ( mobile deposit check )  on XX/XX/2020 XXXX. {$2700.00} ( mobile deposit check ) On XX/XX/2020 XXXX. {$1000.00} ( mobile deposit check ) On XX/XX/2020 4. {$1000.00} ( mobile deposit check ) on XX/XX/2020 5. {$200.00} ( direct deposit from DEO ) on XX/XX/2020 DIRECTLY FROM DEO 6. {$100.00} ( cash deposit to open account ) on XX/XX/2020 My account was frozen without warning or my knowledge. No reason has been provided for the funds being on hold. Ive spoken to XXXX team members, managers, and other associates from Suntrust to no avail. The checks are made out to XXXX XXXX and yet the bank is refusing to release the freeze on the account as well as release the funds. Theyre insisting that I provide a letter from the DEO stating that the funds in the account are meant for me. Ive provided check stubs, a letter of eligibility and have gone as far as having an investigator from the DEO on a conference call to provide any and all closure needed to verify my identity as well as any payments made into my account and claim. Im filing this complaint because I not only feel discriminated against as an XXXX XXXX client, but I also feel neglected and violated with no possible explanation on why Im experiencing such hardship with this financial institution. Im demanding that my funds be released to me then I will more than gladly terminate the relationship with myself and Suntrust bank. 

Thank you
Consumer complaint received 2023-01-27
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)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-27
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth : XX/XX/1968 SS # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX. 
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following information is incorrect 1. Validate And Verify debt DISCOVERBANK Account Number : XXXX Please remove it from my credit report. 

Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-01-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.
Consumer complaint received 2018-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (ID)

I have a student loan with XXXX XXXX XXXX XXXX for around 38,000. I  heard that Premier Student Loan Center could reduce my loan. I spoke with XXXX XXXX and she assured me she could reduce my payment to XXXX. I gave her all my information. Then I spoke the XXXX XXXX and they said this was a scam. I called XXXX back to cancel and have not heard from her. I have cancel my credit cards but I am worried that this Premier Student Loan Center company has my information. How do I proceed?
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Razor Capital, LLC (MI)

Razor Capital tried to sue me for a utility account that I am not liable for. I sent the law firm they hired ; XXXX and XXXX, information about the identity theft case. I sent them information from the IRS, the FTC, the police department and all of the information they needed. They ignored the information and instead sent me the bill claiming that this was verification enough. They tried to get me to agree to a default in judgment and pay them 800 + dollars. I declined and responded with why I wasn't liable. I missed the court day due to an emergency health situation. I filled a motion to set the judgment aside with all of the original information they should have considered and taken a look at before. This debt is beyond the statute of limitations to even collect on a debt that is 7 years old. I will be filing a complaint with the FTC and the attorney general.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Back in XX/XX/2012 I co-signed a car for my ex wife. She began making late payments on the account two month later making the first day of delinquency XX/XX/2012. According to the Fair Credit reporting act the length of time that a collection account may remain on a consumer credit report is 7 years and 180 days from the 1st date of the delinquency. Therefore the account XXXX XXXX showing a balance of {$7600.00} needs to be removed. This creditor is not properly reporting all dates of delinquency preventing the delinquent report from being removed from my consumer report. Violating the 7 year Fair Credit act statue.
Consumer complaint received 2020-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my Transunion credit report and saw that I have many unauthorized inquiries that I didn't give permission to run my credit. I called and spoke to a rep and he refused to delete them. So I'm filing a complaint against them so I can have the unauthorized inquiries removed from my credit report. I spoke to Trans Union XX/XX/XXXX around XXXX pst. 
The unauthorized inquires are listed below : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX  XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX  XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX  XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX  XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX  XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX  XXXX XXXX XXXX XX/XX/XXXX 23. XXXX  XXXX XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XXXX XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX XXXX XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding is reporting a collection account from XXXX XXXX  on my credit. I have never had an account with XXXX XXXX. This is fraud. I sent a dispute to Midland and asked them to send me something showing my information on this account. Midland refuse to send me anything, but they continue to report this on my credit. Midland is reporting on my credit that it is from 2018. There is no XXXX XXXX reporting on my credit with the original creditor. Only Midland is reporting this error
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax is reporting inaccurate/outdated data, which is causing me to be denied credit. This began when I disputed items to be inaccurate in XX/XX/2018. When my credit is pulled by lenders from Equifax they return no data which results in a denial. ( I have no issues with the other two Bureaus reporting and updating each FICO score ).
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, TransUnion, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an XXXX XXXX  XXXX Opened XX/XX/XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that conta My identifying information is as follows : Lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, drivers license, an If you are unable to verify the account with the original contract, the information should be removed from my c Sincerely,
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM they also have records of files that are wrong.
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2015-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

After reviewing my credit report over a month ago, I notice an unknown debt of {$200.00} from XXXX XXXX that was opened in XXXX XXXX. I have written to the collection agency called Enhanced Recovery Co to ask for a debt validation. They never responded to my certified letter ( with return proof of delivery ). After several research, I pulled up a previous credit Report made in XXXX and noticed that another Credit Collection Agency called XXXX had put a similar XXXX XXXX XXXX balance/debt of {$200.00}, opened this time, in XXXX XXXX. The last time I used XXXX XXXX XXXX was in XXXX. I have every reason to believe that the Enhanced Recovery Co is negatively re-Aging my debt. I read from several sources that this technique was illegal. I also signed up a week ago to credit Karma to see updated info on my record and noticed that around XXXX XXXX ENHANCED RECOVERY CO put a note stating that I have filed a complaint that was resolved but they seem to have removed this note a few days later.
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fay Servicing, LLC (MS)

My husband died in XXXX I was left with too many bills for me to handle alone. I filed bankruptcy in XXXX chapter 13 And because our home was only in my husbands name XXXX gave me a really hard time and was attempting to foreclose on my home. After completing the bankruptcy in XXXX and finally getting a modification my loan was placed with Fay servicing for payment. 
Since then Ive worked on my credit and raised my score considerably, however Fay servicing has refused over and over again to report my on time payments for the past 5 yrs In the beginning they said they thought I filed a chapter 7, so I sent in a copy of my filing to prove it was a ch 13. Then they said because I filed a chapter 7 in XXXX Before my name was on the Morgage and my husband and I were separated and living apart They determined that they would not report to the 3 credit bureaus. 
However 2 months ago because I sent them proof my name was not on the Morgage until XXXX and I filed a Ch13 in XXXX they told me they would begin reporting and they were sorry about the era. 
Now we are back to square 1 again~ Please help me ~ Ive talked to an attorney and was informed what they are doing is not ethical at allXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NY)

I called Wells Fargo Bank, NA on XX/XX/2023 to determine how I could add my children as " payees on death ''/ beneficiaries to my checking account. They stated that they require me to visit a branch to add my children as POD. However, I opened this account online and I live hundreds of miles from the nearest Wells Fargo branch. I requested that they mail paperwork and I could even get my signature notarized. However, they would not provide me with that option. I believe this is a violation of XXXX and other banking laws as well as XXXX XXXX XXXXXXXX XXXX. This policy would require me to spend XXXX XXXX XXXX in gas and hotel fees to make a simple change to my account. 

I would like to add that I have dealt with XXXX other financial institutions about this issue. I have either been able to add my children as beneficiaries/PODs to my accounts online, or they have mailed me paperwork to sign. Wells Fargo is the only bank that has been unwilling to provide me with such an accommodation.
Consumer complaint received 2018-07-10
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: JPMORGAN CHASE & CO. (RI)

I have had repeated problems with Chase bank. In XX/XX/XXXX I was notified of a hard credit inquiry done by Chase on XX/XX/XXXX and I called Chase to find out what was going on as I had not applied for any credit. They said they would mark it as fraud and send a letter to have that inquiry masked on my credit reports. 

In XXXX I was going over my credit reports and noticed that the inquiry from XXXX was still showing and that there was now a second inquiry dating from XX/XX/XXXX. I called in and was told that they would send off a letter to have both of the inquiries masked. I received a letter confirming this on XX/XX/XXXX. 

This evening I received another alert from XXXX and once again there is a new hard inquiry on my credit report from Chase. 

I called them and was passed from person to person and finally spoke with the right department who said that the application came from XXXX. They assured me that they would deny the application and that they would send a request to have this inquiry also masked from my report. 

I find it very hard to believe that if someone has my information that there would't be other fraudulent applications being made through other underwriting institutions. Chase is the ONLY one to show up which leads me to believe that there are other problems at Chase that have nothing to do with XXXX.