davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action aga
inst your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Recently, I got mail from Bank of America with a new account number and a statement showing beginning balance, deposits, etc. However, I did not request this account and I believe it was opened as a result of fraud. I visited the local Bank of America branch on XXXX XXXX in XXXX, WA and reported this as fraud, but was given a telephone number to call to resolve the issue. I called the number and was transferred a number of times but I never could reach someone that could help me. There was no automatic choice on any of the menus to report an account that was opened by an identify thief or similar. In short, there is no mechanism in place at the number I called to provide help for this problem.
Consumer complaint received 2022-10-03
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my XXXX XXXX PL XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

My loan with Ally was paid in full on XX/XX/2020. I have not received my escrow balance refund. 

On XX/XX/2020, I inquired with Ally 's customer service about the status of my escrow refund. On XX/XX/2020 I was told by XXXX XXXX, their email representative, that it was disbursed on XX/XX/2020 and to allow 7 to 10 days for it to arrive at the mailing address. When looking at a calendar, XX/XX/2020 was a Sunday when mail isn't processed. 

The history on my account shows the escrow disbursement is dated XX/XX/2020. When I called back I was told that it was generated on XX/XX/2020 and mailed on XX/XX/2020. 

To date I still have not received it. When I called again today, I was told that the refund was generated on XX/XX/2020 and the customer service representative named XXXX ( who couldn't provide me with her last name ) said she couldn't tell me when it was mailed or provide me with any mailing information. 

The information being provided by their associates seems to all be inconsistent. 

Escrow refunds should be mailed within 30 days of the loan being paid off. Ally is out of compliance and their customer service is very unhelpful to say the least.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NH)

On XX/XX/2021, I received an email from Chime Bank stating my account was suspended due to suspicious activity. I had zero warning. I immediately called customer service, after they already verified that I was the account holder, by my phone number, email, address, date of birth, and SS #. They told me I needed to provide proof of address and two forms of ID, which I sent in on the XXXX at XXXX XXXX. I have yet to get a response from anyone or a status update. I have multiple deposits going into my account and have no access. My rent is currently late because of this. I have called everyday since and have gotten no where. After seeing a number of complaints from other people, this looks like its their MO. They close peoples accounts for suspicious activity then steal their money.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vanguard Financial Services, Inc. (WV)

There is no documentation that supports that I owe the {$80.00} medical debt that was sent to Vangaurd financial for collections. I have called Vangaurd financial and the doctors office and they were both unable to provide documentation of the {$80.00} that was due. Multiple people have had issues with Vangaurd Finacial putting negative charges towards their credit report. I was told by an employee at Vangaurd Financial to " pay it or don't, it doesn't matter. '' The original charge was supposed to take place in XX/XX/2016 and went into collections almost a year ago. I have tried multiple times to get it removed. I was on my parents insurance at the time of the charge so it should not have shown on my credit report anyways.
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I was a victim of the inquiry issue with Transunion 's credit bureau. I have contacted Transunion and they refuse to remove inquiries after calling their customer service representative. Transunion 's customer service would not remove the negative inquiries reporting on my credit report that should be deleted from my credit report. 
These inquiries include the following : XXXX via XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX via 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 2021-01-08
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 received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$7100.00} and MY balance was {$5900.00} as of XX/XX/XXXX. Card was stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had 32 of water from Hurricane Harvey after the XXXX tax day flood of 8. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the card but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments that started on XXXX of {$2400.00} and returned the same day, on XXXX of {$2400.00} and returned the same day, on XXXX of {$7000.00} and returned on the same day, on XXXX of {$2000.00} and returned on the same day, on XXXX of {$10000.00} and returned on the same day. See attached statements. {$24000.00} of bogus payments within one month and not do anything???????!!!!!! Two months of returned payments and they didnt contact me??!! XXXX should have been alerted on XXXX and contacted me then. See XXXX attached letter dated XX/XX/XXXX. I had asked for the payment methods used to make the fraudulent payments and XXXX denied the request. XXXX further states However, once an XX/XX/XXXX is returned because we were not able to locate the account, we suspend that account. {$24000.00} of fraud payments in two months and then suspend an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX was phone calling the thief. In the attached latter dated XXXX, XXXX states the bogus phone number was removed and they do not know how the thiefs phone number was added.????? So, XXXX was talking to the thief, accepted more than {$24000.00} of fraud payments, allowed more than {$7000.00} of charges, and allowed the credit limit to be exceeded more than {$6000.00}. And XXXX sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$6000.00} laying around to pay it off. Now XXXX holds me responsible because they dont have a modern system to alert them.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT. THE ACCOUNTS ARE CLOSED AND HAS BEEN PAID FOR IN FULL. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX, I disputed a incorrect charge on my UNIVERSAL/CITI credit card with ASAP rental. Unvl/Citi opened an investigation, in which they did refunded {$250.00} during the course of this investigation to my credit card. ASAP disputed my dispute and Unvl/Citi placed this amount back on my card resulting in my card at that point being over the credit limit and reported it to the credit bureaus, XX/XX/XXXX. At which point Unvl/ Citi alerted me to provide additional proof of my dispute after said amount was reported to the credit bureaus. I immediately provided CITI with legitimate proof that ASAP rental was indeed paid by XXXX and their claim was invalid. CITI again placed the {$250.00} back in my account and a manager told me they would have their internal department which handles credit reporting correct the error of the Over the credit limit reported. This was never done. They were contacted twice. XX/XX/XXXX I received a email from Unvl/ City regarding ASAP dispute still in investigation.
I was told XX/XX/XXXX this matter was closed. This matter has been in dispute since XX/XX/XXXX. I spoke with a representative that told me that they do not have a end date for  investigations and could not give me one and this matter was still open. I was also told that no request was made on my behalf to the credit bureaus to remove the negative reporting which lowered my credit scores on all 3 bureaus. XXXX XXXX points, XXXX  XXXX points and XXXX XXXX points XX/XX/XXXX. I was in addition told that if I wanted anything corrected on my credit report I had to send a additional Letter making the request to have corrected and that the supervisor who told me they would take care of it several months ago did not. This error has largely been to my detriment in any loans I try to apply for and credit card approvals.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.
Consumer complaint received 2021-01-06
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

An account that I am not aware of keeps showing on my credit report. Synchrony Bank XXXX XXXX. It says a balance of {$6500.00}, and opened on XX/XX/XXXX, and I have never opened a XXXX card on this date. Synchrony claims that I used their account to obtain goods, and won't give me any proof of me buying goods with stolen funds. I have never opened a XXXX Visa account with Synchrony Bank. I gave them a police report, FTC Identity Theft report, and filled out their affidavit, and they still harass me by sending junk mail to my home every other day. 

I have had a car lease in XXXX with XXXX XXXX in Texas, but I never had an XXXX credit card. Synchrony is reporting this along with XXXX  Credit Bureau, and I want this fixed asap as it is causing damage to to personal credit file.
Consumer complaint received 2021-05-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MI)

Ive have been working on refinancing my house since last year of XX/XX/XXXX, Ive assumed the loan and removed my ex -co borrower I was contacted by Calliber home loans team to refinance my house, I told them the situation were I had a court judgment entered from the judge for the ex borrower to sign a quit claim deed, Calliber advised me they would handle the situation in XXXX of XXXX I got a closing date from them 4 different times, they XXXX the processor and XXXX told me that the signing from the ex is all we needed to move forward to close, I told the ex borrower if he signed off I would sign off on a satisfied judgment of the amount the was entered against him for XXXX so I could close on my house the next following day! Come next day they Calliber told me they were going to close me out on the flowing Saturday never happened I got a email stating your 3 day waiting period has started, I was supposed to close on XX/XX/XXXX then they changed to the XX/XX/XXXX then today I get a call stating they cant close me out! Something is wrong something is not right I removed him off my loan and now my title, they are telling me income verification when I was promised 4 different closing dates! Id like them to be held responsible for my XXXX $ for misleading me and misguiding me, and also pay off my loan since they wont refinance me, its not my mistake someone dropped the ball and they cant fix it and I need help, also the city gave me a tax deduction due to property taxes going up, but yet they still are making me pay them, I have more documents and emails and proof! I want justice
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XXXX. 2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

There is a XXXX account on my credit report that is reporting incorrect. My credit report is showing three different dates of last activity. All three dates can not be correct. This means that my credit report is not accurate.
Consumer complaint received 2016-04-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (CA)

I have paid off my debt in full with XXXX bank you has REMOVED this account # XXXX from my credit report completely. Now Unifund - a VERY AGRESSIVE AND UNETHICAL COLLECTION COMPANY - NOT LICENSED IN CALIFORNIA is attempting to rudely collect on the paid in full debt on behalf of XXXX bank who states NO SUCH account is in their system anymore! 

UNIFUND LLC XXXX XXXX OH XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$18000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : N/A Terms Duration : Terms Frequency : Date Opened : XXXX/XXXX/XXXX Balance : {$18000.00} Date Reported : XXXX/XXXX/2016 Amount Past Due : {$18000.00}
Consumer complaint received 2021-01-06
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. (MA)

I have an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments though XXXX XXXX XXXX when the loan was obtained. All of the payments were made on time. On XX/XX/XXXX at XXXX I called the XXXX XXXX MA location and spoke to XXXX regarding my dispute. She placed me on hold for over 20 minutes, then came back and apologized for the wait and stated that I could not dispute through them. She said I could only dispute through the credit bureaus, they do not handle direct disputes. I informed her that her the FCRA I could dispute directly with the creditor. She then told me that she would have another representative call me back. I never received a call back. On XX/XX/XXXX I received a letter stating that my bank statements were not sufficient evidence that the payments were made. The letter also stated that they could not update their incorrect reporting for 9 months. This has impacted my credit greatly and is affecting my life. This is also a violation of the FCRA and a violation of my rights.. My banking institution, XXXX XXXX XXXX only provides bank statements as proof of payments. I am requesting that the correct their inaccurate reporting for the months in question to paid on time as agreed, along with crediting to auto loan account for the over payments I had to make in XXXX and XXXX of XXXX. I was forced to may more than {$880.00} in order to avoid a repossession and end the harassment I was getting. I ask that the over payment be applied towards the principal of the loan.
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (WA)

My father and I each get a random phone call from from a local phone number ( XXXX ) XXXX. My father answers his phone and the person on the other end says he's trying to contact me. He gives my father a call back number, ( XXXX ) XXXX. I call the number. The man who picks up says his name is XXXX XXXX, but he doesn't have a debt collector ID number. He says I owe a {$310.00} debt with U.S. Bank from the year 2010. He mentioned possible litigation if I don't resolve the issue immediately. He also had my name, date of birth, and last four digits of my social security number. I feel as though it was a fraudulent attempt to try and steal money from me.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting an account with XXXX XXXX / XXXX which was owned by XXXX XXXX then sold to XXXX as late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This account was never late. XXXX is apparently reporting this information but they did not own the card at that time. I contacted XXXX XXXX and they stated the account is being reported to XXXX as on time and never late. XXXX XXXX said that since the account was sold they can not report the account to the credit agency 's. I am getting a run around in circles.