davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : Original creditor : XXXX
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

In XX/XX/2019, I opened a checking account with Citi Priority using their online website. 
At the end ofXX/XX/XXXX, when I had not yet received a debit card, I called to find out what was going on. Citi told me that the card had been mailed out and that I should be patient. 

I called again on XX/XX/XXXX, was told that the card had been activated and used at the end of XX/XX/XXXX, and that the card had been originally mailed to an incorrect address. They opened a dispute, but refused to close the account or to correct my address in their system. 

Between XX/XX/XXXX and XX/XX/XXXX, I called an additional eight times and spoke with more than 20 Citi employees. They advised me to file a police report, which I did on XX/XX/XXXX. A copy of the report is attached to this complaint. Citi still refuses to update my address, proactively communicate with me in any way, refund my money, or close the account even though they know that it is being used fraudulently. 

Citi reps have told me to knock on doors around my neighborhood to find out who used the card, told me to stop calling, that I should be glad that it's not a huge amount of money, that I should " get a life, '' and numerous other unprofessional comments. They've also given me contradictory and conflicting information about the account and how I can get this resolved. The only thing they all agree on is that they will not close the account and will not refund my money.
Consumer complaint received 2021-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC (FL)

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I contact the company through written notice XX/XX/XXXX to let them know I do not owe them {$1900.00}. the company did not respond and verify the debt according to the letter I sent. The company continues to report on my credit XX/XX/XXXX that I owe now {$1900.00}. They are reporting two different amounts {$1900.00} XXXX and {$1900.00} XXXX. The company has not notified me or contact me about this debt. I just saw it on my credit. I have reached out in regards of finding out why, because I do not own this debt. They have yet to respond. The debt is said to be with XXXX, but it is owned by enhanced recovery collection. I am attaching the letter I mailed in XXXX and the documents I sent with it.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

Barclay Card US I opened a dispute regarding a purchase in XXXX and the process to file the dispute was very long and complicated. I was told to upload documents and explain what had happened. A month later and the credit card company closed the dispute without informing me and when I called them they said that I would have to write in a letter to re-open the case. They can not accept emails or calls to re-open the case. I was told that I needed to provide purchase receipts, statements and emails all of which I had already provided when I opened the dispute. 
I asked to speak to a manager and logged 2 complaints. The first complaint was not recorded and the second complaint I was promised a call back from a manager within 7 days. 10 days later and I still have not been contacted.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

Hello, I am writing concerning an old US Bank credit card. The credit card was secured with a XXXX deposit. US Bank is currently listing the account as a Charge Off, obviously they kept the deposit for the account, so I am at a loss as to how the account can be reported as a charge off. While I understand that a charge off is an accounting term, furnishers of information are required to ensure that the reporting of consumer accounts is accurate and reflects their experience with the consumer. This account is listed in my file as a charge off, which indicates that I failed to pay the bank for the debt which is untrue.
Consumer complaint received 2022-08-06
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. (MD)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which is found to be opened due to identity theft. The dispute items 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 these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX & XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$380.00}
Consumer complaint received 2021-01-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (NJ)

I completed fully funding a new savings account @ MARCUS by Goldman Sachs with " new '' funds in the amount of {$15000.00} on XX/XX/2021 ( attached ) after completing the required interbank funding procedure debits and credits and test deposit. 
On XX/XX/2021 I received a marketing offer ( attached ) for a {$100.00} Savings Bonus effective from XX/XX/2021 through XX/XX/2021 that I was unaware of when I opened the described new savings account. 
Upon receiving this promotion offer on XX/XX/2021, 11 days after its effective date and within the time interval specified by the offer requiring only a {$10000.00} funding to be deposited and remain for 90 days I contacted XXXX and escalated my request to be credited the {$100.00} to a supervisory employee XXXX XXXX who initially resisted my request but then agreed to submit a formal request for further review.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Someone was able to use my Information for what looks like two separate events. someone used XXXX XXXXXXXX XXXX for a visit or two, in addition they opened up a XXXX  Account and failed to pay for either. therefore it is on my report and I have no previous history with either of these companies. 

XXXX  XXXX XXXX  Original creditor : XXXX {$250.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$250.00} {$250.00} Payment Info Original balance {$250.00} Balance {$250.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$330.00} {$330.00} Payment Info Original balance {$330.00} Balance {$330.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX XXXX
Consumer complaint received 2021-01-27
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: EQUIFAX, INC. (TN)

I sent a letter to the bureaus on XX/XX/2020 to dispute 2 accounts that are reporting inaccurately on my credit reports. When the bureaus didn't respond, I sent another dispute letter for the same 2 items on XX/XX/2020. I still haven't received anything from the bureaus and it's been a total of 7 months now! To say there is a delay is putting it lightly and this is not acceptable by any means.
Consumer complaint received 2021-08-11
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: WELLS FARGO & COMPANY (SC)

I have a auto loan through Wells Fargo that started XX/XX/XXXX. As of XXXX of XXXX my payments stopped reporting to any credit reporting service I can find or XXXX can find. Also as of XXXX of XXXX I can no longer see an active or inactive auto loan with Wells Fargo.
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (CA)

Hi, I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (IN)

I submitted my application and told i was pre approved. I uploaded my ID, paystubs and all information that was requested. I received an email saying that they were unable to verify my information. I called and asked what they were unable to verify and they would not tell me. I find this very misleading and very poor service. They should be able to tell me why they are having trouble verifying my information. I have good credit and waited 2 weeks for this and this loan company can not even tell me why my application was denied.
Consumer complaint received 2019-03-30
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: DISCOVER BANK (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor ( Discover ) and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days the date of notification to cease and desist all reporting & collection attempts on this debt.
Consumer complaint received 2020-12-03
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. (AR)

There are two XXXX  cards reporting on my credit report. I saw this after pulling my report on XX/XX/2020. These two accounts are not mine. I have never applied to XXXX or used any of their credit card services. The account reporting in my name is either a mistake or fraudulent
Consumer complaint received 2020-12-03
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. (TX)

XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$740.00} written off. 

U.S. DEPARTMENT OF EDUCATION XXXX {$3000.00} U.S. DEPARTMENT OF EDUCATION XXXX {$3400.00} US DEPT OF ED/XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$47.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- -- ALL THESE PHONE # ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL THESE ADDRESSES LISTED AND THESE ACCOUNTS LISTED ABOVE ARE NOT MINE ^^^
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (VA)

In XXXX of 2017 an annual fee of {$40.00} was posted to my account Barclays Jet Blue account ( credit limit {$8000.00} XXXX. I was not using the card and did not receive any notification that a balance was due. I logged into Barclays to review a different account balance XXXX XXXX XXXX ) and noticed that there was a late payment being reported for the Jet Blue account. I contacted Barclays regarding my Jet Blue credit account balance when I realized that there was a late payment due. During the call the representative refunded the past due balance and advised that the late credit reporting would be reversed to show no late payments. This was done because I did not receive any statement notifying that there was in fact a balance due on the account.
Consumer complaint received 2019-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MI)

The loan started with XXXX Account # XXXX This Loan was transferred to CiTi Mortgage Account # XXXX Now it is XXXX  account # XXXX We wrote a letter to your agency in XXXX due to the fact that CiTi Mortgage changed this mortgage in XXXX when they received it from XXXX. We did receive any results from this complaint so could you please submit this as a new complaint. Again we are providing proof of a letter from the Title Company in  which we closed this loan reporting that there is no Balloon Mortgage on file. In XXXX I visited the title company regarding another matter and the title company employee remember the closings from the builder of the properties and she pulled up the enclosed Amortization Schedule which shows that CiTi Mortgage not only change the loan the change the interest rate and payments lowering the payments by two dollars so that they could collect thousands. When we provided this information to CiTi mortgage nothing has change they continue to bill us has this is a Balloon Mortgage. Providing us with documents that we have no knowledge of where they came from. Now they are transferring this mortgage to another mortgage lender so they can erase all the past request to fix this mortgage. Attached is the following : The letter from XXXX, on XXXX XXXX, reporting that the terms and conditions of the loan would not change. On XX/XX/XXXX, CiTi Mortgage made the changes to our account which we viewed on line. B. A letter from XXXX XXXX reporting that there is no balloon mortgage on file. C. The correct Amortization Schedule that was received from XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

Went to deposit money in the ATM machine. As soon as I inputted my cash into the slot it produced an error ( took photo ). The machine said to call the number and it would print out a receipt to this. Machine did not put out a receipt nor could I get a hold of anyone related to this matter during this time. Finally spoke to someone in tech support so informed me they couldn't do anything and I would need to call the card department in the morning. Called and was told the money would appear in my account 12 hours from now ( Reference number : XXXX ). Money has yet to appear in my account. I have bills to pay so these is causing a financial burden on me and bank is not crediting me for the money i deposited. Bank has unjustly enriched themselves and continues to operate the same faulty ATM machine. This machine is located inside their branch so there are cameras to prove this traction. I also took a picture of this error as to shoe the error and the exact, time, and location this error occurred to prove this money was deposited. The bank knowing this information to be true continues to pray on people. 
Once this occurred. I contacted bank first thing is the morning. Bank promised to put funds within 12 hours in my account. It has been over 36 hours now.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand that the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Equifax refuses to add positive payment information regarding my account. They claim that XXXX XXXX   card asked them to delete this information. XXXX XXXX claims that Equifax blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to Equifax and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter
Consumer complaint received 2020-12-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (FL)

Started a VA refinance with VA Rates on XX/XX/2020. Current loan with Flag Star  Bank. Each time a payoff was requested for the loan, our loan was put on hold. The payoff was good for 14 days. The new bank wanted to include the real estate tax in the loan, as this was a new build. Flagstar bank would not release any information. Pay off was requested 6 times, which I was charged {$30.00} each time. Our taxes were not paid on XX/XX/XXXX as I was told today loan was still on hold. I need to release the hold on the loan which no one informed me of this. Now I have to pay an additional {$45.00} on my taxes to be paid by XX/XX/XXXX. I have canceled the refinance and will be loosing our interest rate which was 3.75 % to 2.25 % more money.
Consumer complaint received 2019-01-08
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: ALLY FINANCIAL INC. (NY)

In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. XXXX XXXX XXXX a.k.a XXXX XXXX XXXX XXXX XXXX  and Ally Bank a.k.a Ally Financial Services they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX  and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.
Consumer complaint received 2020-12-03
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: LEXISNEXIS (FL)

i have asked the credit bureaus to show me how they have validated the negative accounts & the bankruptcies on my credit report. i have sent them letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated. in addition, XXXX County Courts do not verify bankruptcies via 3rd parties, so how are they being validated as accurate? no proof has been furnished to support the accuracy of these accounts being reported.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Do to a number of FDCPA VIOLATIONS Ive noticed on my Consumer report I would like the following inquiries/accounts removed from my Consumer report. Please see attached documents.