davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
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. (MD)

XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

I am who I say I am. I am XXXX XXXX and this is not a third party. I have notice some incorrect and fraudulent information on my credit report public information. I have noticed Chapter XXXX bankruptcy reference # XXXX reporting. I have never filed bankruptcy and do not recognize this public record. I have sent off a letter to the bankruptcy court around XX/XX/2021. I received a response back from the court stating that they were not able to locate a file that belongs to me. The letter also stated that the bankruptcy court does not report to the credit bureaus. 

I believe my consumer rights to privacy have been violated by reporting this public record I also believe another FCRA violation has occurred.

15 us code 1681b ( 2 ) this information was fished out and I did not give permission for this information to be furnish.

and last 15 US code 1681i Procedure in case of disputed accuracy
Consumer complaint received 2022-08-19
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 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. 


If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

XX/XX/2021 called and routed through multiple phone options that went round to the same prompts for 20 minutes. There is no option to speak with an operator or representative at phone number, XXXX listed on the back of the " Chime Bank '' Visa Debit card. That account is the one I continue to close, yet when I call to verify it is still open. 

Representatives at their 'bank ' are not verse in the 'banks ' practices and the 'manager ' aren't either. It make me not confident in their objective to function as a monetary facility. 

Chime Bank is using a nefarious avoidance activity to continue to keep this account open. I do not want to do business with, " Chime " Bank '' ...
Consumer complaint received 2018-12-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VEROS CREDIT, LLC. (CA)

On XX/XX/XXXX. I opened an account with VEROS CREDIT LLC. The account was closed on XX/XX/XXXX. 

I got a Repossession remark on my XXXX credit report stating that this account was Repossession, However i was involved in a car accident with the same car i couldn't work for few months and I was never notified about this debt and never received this bill since i move to another location. I would like to address this immediately The Auto Loan is paid off i owe {$0.00} dollars, and i want this negative remark remove from my credit report.
Consumer complaint received 2020-10-01
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. (FL)

THESE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQURIIES REMOVE OFF MY CREDIT. THESE INQURIES ON MY CREDIT REPORT ARE NOT LIABLE TO ME.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

This company has called me 8+ times on two different numbers asking for someone I'm not associated with. I answered 5 times asking each time to be removed from the " do not call list '' and yet they still call daily, this has now become harassment in my opinion. 

Phone numbers I was called from : ( XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (UT)

On XX/XX/XXXX around XXXX XXXX, I signed into my email account and saw two order  confirmation emails from XXXX saying orders had been placed on my account. One was four a bracelet for {$0.00} and the other for screwdriver bits for {$4.00} using PayPal. The XXXX sellers are XXXX companies shipping from XXXX. I did not place these orders and I don't want the products. I immediately filed a fraudulent activity claim with both XXXX and PayPal - Dispute Case ID : XXXX for Transaction ID : XXXX. By the morning of XX/XX/XXXX XXXX received an incredibly surprising reply that after reviewing the {$4.00} transaction PayPal was denying my case and refusing a refund. My jaw hit the floor because I had previous to this placed a lot of trust in the PayPal money back guarantee and the safety of having my bank account information on file with them. 

I called the company at XXXX XXXX on XX/XX/XXXX to again assert my right to a refund for this fraudulent transaction that I did not make. I spoke with a young man that again denied my claim, saying that their review showed no unauthorized 3rd party access to my account ( They must have a pretty worthless process in place ). He refused to elaborate on the details of this determination except to say that whoever made the transaction knew my shipping address. I tried to reason with him the fact that XXXX and PayPal are essentially the same company and XXXX has my PayPal associated to the account, so if a fraudulent transaction is made by an XXXX seller, who may already have shipped to me on some previous transaction in the distant past then they might have that information. I assured him the transaction was fraudulent and that I had not even visited the XXXX site for a couple months. No amount of reasoning could prevail on this obtuse individual whose only apparent purpose with the company is to deny obvious fraud so as to avoid liability. 

In any case, it is ridiculous what they are putting me through over a {$4.00} fraudulent transaction. If they had any collective corporate brainpower they would just cancel the transaction rather than lose all the future transaction fee volume by alienating a good customer. I told them I would report them to the CFPB. I am a man of my word, which is more than I can say about the vaunted PayPal money-back guarantee.
Consumer complaint received 2020-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I sent {$500.00} to my Brother company 's bank account in XXXX, through Money Gram electronic wire transfer, I expect my Money to be there in a timely manner within minutes, not hours! But it's been 2 days going to three days, my money is not there yet I made several attempts to call Money Gram. It seems nobody not even there account specialists could provide me with cogent reasons why my money is being delayed or not being transferred, and when I asked for my money back, I was told, they wont be able to give me a refund, it seems like a daytime robbery or a Scam! I will be contacting Federal Trade Commissioner next week, or perhaps forward a complaint to the office of the District Attorney and get the Dept. Of Justice involved, this scam by Money Gram can not be happening in the USA
Consumer complaint received 2021-03-11
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (VA)

Dear XXXX XXXX and XXXX XXXX I'm working with the cfpb regarding XXXX XXXX decision not to enforce the arbitration clause regarding Citibank dispute. 

XXXX XXXX decision to close Rev. XXXX account without arbitration is a clear violation of the Federal Arbitration clause due to my race as an XXXX XXXX. 

Due to my race XXXX XXXX has also close out my checking account because I'm a XXXX male with social security income and XXXX health insurance. 

XXXX XXXX decision makes me very sad and creates suicidal thoughts regarding my mental health condition under XXXX health insurance regarding social security income. 

I will continue to work with the cfpb regarding XXXX XXXX decision regarding my race and income. 

Buy best has review the record and proceed with a resolution but XXXX XXXX is refusing to provide a resolution only because of the skin XXXX of Mr. XXXX and the source of his income with social security after Mr. XXXX explain the situation regarding Best Buy Citibank resolution. 

XXXX XXXX decision is motivated by a history of hate and racism in XXXX regarding Citibank Best Buy resolution conducted in Good Faith. 

XXXX XXXX understand that XXXX XXXX XXXX is an XXXX American male and has no desire to honor Citibank Best Buy resolution. 

XXXX XXXX close out my checking account because of my race, social security income taxes, and Citibank Best Buy resolution.
Consumer complaint received 2022-08-19
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

In the last two months everytime I try and make a payment to my account for Home Depot which is owned and operated by citibank I have to call them because their website is not working. Last month I was on the phone for almost an hour just to make a payment because their system was not correctly operational unless you open a private browser unless you put in a secure code which you had to call them to correctly put into the browser by two factor authentication you usually put in the numbers they send you through text. There were additional numbers and instructions you had to follow in order for it to work properly as I was told by the customer service rep. Today i was monitoring my credit on XXXX   XXXX and saw i needed to make a payment again. i followed the instructions per the last time i spoke with home depot and again the site was not working. this time they have autopay set up. I did not want to deal with it again so I tried setting up auto pay only for the browser to repeatedly tell me my info was incorrect. The information was no incorrect which led me to beleive the browser must not be working, AGAIN!. Also i noticed the browser was also insecure it was an insecure browser so now i have been putting my information for my banking and im furious. I called the company and they immediately told me that their system was down and they were aware. I said, can i have literature on this please. They said no we dont have any literature. I complained to her and stated that I was trying to make a payment and that their browser was insecure. They asked if i wanted to speak with a supervisor. I said yes. I spoke with them then she took my payment over the phone and said oh we have this acct on file which was the information that was not being accepted. I am very upset that this is not credit company is incompliant with secure services and believe that my information might have been compromised. I am asking that they dismiss my credit with the company because of the security issues that their company continues to have.
Consumer complaint received 2020-01-18
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 {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

Someone has been using my personal information to open bank accounts of current accounts and savings open fraudulent accounts = Wells fargo, XXXX XXXX XXXX XXXX  and XXXX XXXX .. I do not recognize these accounts please delete my information with these companies ..
Consumer complaint received 2022-08-19
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. (MO)

This is XXXX XXXX submitting this CFPB complaint to request that the Credit Bureaus update the following disputed erroneous accounts and information that were never corrected nor updated by the Credit Bureaus! I have read that under the FCRA section 609 and 611 that the Credit reporting Agencies are required to reinvestigate and provide copies of proof of verifcation per consumer 's request and update, correct or delete any erroneous accounts and information from a consumer 's Credit report. I previously been sending multiple letters adressed to the Credit Bureaus requesting that they correct and update any accounts reporting to be inaccurate or provide me copies of information to verify the accuracy and authenticity of the disputed accounts and yet they have failed to do so. I am now submitting this complaint to request the immediate correction of the following accounts completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2021-07-18
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. (TN)

Equifax is reporting a late payment for XX/XX/2019 yet XXXX  is reporting paid on time. therefore Equifax is reporting inaccurate information. which is clearly an FCRA violation.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

Approximately XX/XX/2020 I had my bank through a payment service mail LoanCare ( a subsidiary of XXXX XXXX ) my mortgage payment the payment amount was {$3800.00}. Loancare received my payment and misapplied my {$3800.00} to the wrong person 's mortgage. Because of the way they send the bills I could not tell that the payment was missing till XXXX. I complained to Loan Care ask them to suspend the credit reporting and ask them to research and find the missing monies. 
Loancare refused to move forward without me providing additional information like a canceled check. Loancare apparently has constructed all of there policies to delay and frustrate consumers so that they can not get proper attention. Nobody that answers the phone is allowed to make any decisions they are only allowed to send emails up and do something called escalate that never happens. 
I explain to Loancare that I gave them the exact date of the check the exact amount and all they needed to do was search on their computer they refused to do so. Finally I got proof of payment from the sending bank ( XXXX ) and sent it to Loancare. Loancare lost my then Loancare submission XXXX times. During this time Loancare continue to report negative credit and knocked my credit down by 100 points. I have been turned down to credit and had one credit card canceled because of Loan Care 's malfeasance and fraudulent actions. In total I spent so far 27 hours on the phone with Loancare representatives and have sent them over a dozen emails. I have requested from Loan Care over a dozen times to send me a copy of every payment they got front and back of checks and when they were received and cashed so that I could then research the missing money. Loancare never responded or sent any of the information requested. 
I asked if they forward emails over to their legal department they never did to my knowledge. Additionally I requested that supervisors or management tthan can make actual decisions call me back. I was told on 9 different occasions that a manager or supervisor would call me back. Loancare has a perfect record I have never been called back. 
After Loan Care finally found my payment and applied it. They applied it incorrectly not following proper accounting procedures. Loan Care has continued to destroy my credit damaging my financial status greatly.

After this instance they continued to lose three additional payments. I will file separate complaints because these are separate in instances.