davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-22
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)

Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


USDOE/XXXX {$3400.00} USDOE/XXXX {$18000.00} XXXX XXXX {$9400.00} XXXX XXXX ( Original Creditor : 06 XXXX ) {$110.00}
Consumer complaint received 2020-07-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$7100.00}, {$3200.00}, {$10000.00}, {$5600.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I am currently in the care acts forbearance and was current on my loan when I entered in the forbearance. ( They are not reporting current it is being reported as deferred ) I have requested multiple times to to remove my escrow to make my payments like {$1400.00} cheaper during this pandemic. I was told that I have a 5 years seasoning period and that XXXX XXXX was the one that put the seasoning period. I spoke to XXXX at XXXX XXXX he has confirmed that I do not have a seasoning period on my loan. Now XXXX is saying that I have a high price loan and that CFPB is the one with that in place. I called the CFPB today and requested to speak to someone to get an exception for my loan as I am doing what I can to lower my monthly obligations so I do not go broke during this pandemic. Nobody is there to make a call about their guidelines! I need to have my escrow removed. This will make my mortgage more affordable and in short there is no risk to the investor or lender or servicer as the insurance will send a copy of the new policy each year to the servicer and tax office will send out statements to the servicer if taxes are not paid. Also, escrow can be placed back if I do not comply with my obligations as a homeowner. So, in short I need help. Please call me at XXXX.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

On XX/XX/18, I went to the local Bank of the West branch in XXXX XXXX, CA, and made an ATM check deposit of {$200.00}. After the deposit was made, immediate credit of {$100.00} was available. I used the same ATM to withdraw the {$100.00}. Nowhere on the ATM deposit receipt showed that they are putting a hold on my deposit, and after I withdrew my money, only {$100.00} was on hold and my available balance was {$0.00}. 

Over the weekend I tried adding the Bank of the West account to my XXXX app and requested bank verification letting XXXX initiate two micro deposits and withdrawals. This is a way for XXXX to verify that it is my account. My bank balance was still {$0.00} at that time. 

OnXX/XX/18, when I checked my account online, I saw that the {$200.00} deposit was on hold and my balance was at negative {$200.00}. Also they charged {$35.00} for withdrawing {$100.00} at the ATM as an overdraft fee. So it became overdrawn in the amount of {$130.00}. I called to get the overdraft fee reversed. They were willing to do it because my account was new and they allowed one fee reversal per year. Then XXXX made two small deposit amounts of {$0.00} & {$0.00} and they tried to withdraw those XXXX amounts and it was overdrawn after the negative balance. Bank of the West did not let XXXX withdraw {$0.00} & {$0.00} and charged two {$35.00} overdraft fees in the total of {$70.00}. 

I called to get the fees reversed after explaining to them what happened. I spoke to a couple of customer service representatives and they were unable to reverse any fees and asked me to go inside the branch to talk to the people there. 

On XX/XX/XXXX, I received a receipt from Bank of the West via regular mail that there is a hold that's placed on my deposit I had made on XX/XX/XXXX, and it is not going to be available until XX/XX/XXXX. And under the receipt it shows if I was not notified of the hold that was placed and my account was overdrawn then I need to contact the branch for getting the fees reversed. 

On XX/XX/XXXX, I went inside the branch in XXXX  XXXX and told them I was not notified of the hold at the time of deposit they said that they had called me to let me know about the hold. I asked them when and they said on XXXX. They said they left me a voicemail to let me know but never received the phone call or the voicemail. They said they didn't call me on XX/XX/XXXX to let me know because they were closed and reopened on XXXX. But I made a deposit during normal business hours and they were open on Saturday, XXXX, which they still didn't call me to let me know. And they can not reverse the two fees because only one fee reversal per calendar year is available and I already got my one out of three overdraft fees reversed.
Consumer complaint received 2022-08-05
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. (FL)

I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, XXXX, XXXX, and Equifax has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Equifax, and XXXX is in direct violation of the FCRA and the Gramm-Leach Bliley Act of 1999.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (MN)

On XX/XX/XXXX received a " Notice of overdraft '' letter from TCF- this notice does not show *Dates " of the transactions- and is completely out of SEQUENCE* when comparing with the Transaction History and 'running balances '' - With this notice 'SIX ' transactions transpired- all are 'randomly- dated XXXX XX/XX/XXXX and XX/XX/XXXX the ( balances on notice ) - are Not the Same when comparing to online transaction history with 'running balances ' on XX/XX/XXXX charged over draft fee of $ XXXX the only transaction was on XX/XX/XXXX for $ XXXX notice shows negative ( When comparing to transaction history and running balance on this date balance shows a Positive amount ", on XX/XX/XXXX Another overdraft fee $ XXXX that leaves Five- transactions of the 'Five '' remaining- ( the dates are two are on XX/XX/XXXX and XXXX on XX/XX/XXXX ) They are- Not Processed consecutively/ not Processed in order of " dates '' / Randomly Out of " Sequence ' THE FUNDS WHERE ALL AVAILABLE FOR ALL 6-TRANSACTIONS- See enclosed Notice -plus- Transaction History with Running Balances- I should not be charged overdrafts.. Total {$74.00}
Consumer complaint received 2020-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION ()

I was contacted by XXXX XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. 
XXXX XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX which bank account is at M & T Bank, New York. ( invoice attached ) 1 transfer was executed for a total amount of {$2800.00} to this account XXXX XXXX, XXXX : When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary XXXX XXXX in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to M & T Bank. I received an email reply XX/XX/XXXX, form a XXXX Field Investigations Manager, stating I spoke with our legal department and we will be denying any claims at this point. You will need to go after XXXX XXXX  XXXX XXXX who sent you the actual invoice. They are not a customer of M & T Bank.
Consumer complaint received 2023-02-17
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: LEXISNEXIS (IL)

Ive disputed a XXXX XXXX XXXX IL XXXX Reference number XXXX with the credit bureaus XXXX, XXXX, and XXXX -Which one of them ( XXXX XXXX confirmed the public record was verified by the court. I asked XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

My Mortgage is with Quicken. My rate is high so I wanted to refinance. I was about to close with a local credit union. Quicken contacts me and says we can get a better rate. We got this. So I say ok. Now I closed the file with my local credit union. Now last minute Quicken comes in again and says. They cant refinance because of a lawsuit with the XXXX  at my condo. But I can continue to pay at the higher rate. I think this is a shady practice just so they can get {$110.00} more a month out of me.
Consumer complaint received 2020-09-06
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. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.
Consumer complaint received 2018-09-18
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. (GA)

I have submitted several disputes to Equifax who fails to thoroughly investigate and delete these fraudulent accounts. I sent police reports stating that these accounts are not mine. 

The following accounts need to be deleted within four days. My rights have been violated by Equifax and I will be filing lawsuit against Equifax. 

1. XXXX XXXX Acct # XXXX 2. XXXX Acct # : XXXX 3. XXXX XXXX XXXX XXXX Acct # : XXXX 4. XXXX XXXX XXXX   Acct # : XXXX 5. XXXX XXXX Acct # : XXXX
Consumer complaint received 2020-11-22
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 ) -- STUDENT LOAN 1. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-22
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 (GA)

I am requesting for XXXX to remove and permanently delete the following fraudulent accounts immediately because someone used my personal information to obtain these credit cards in my name without my consent : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. Discover Bank 6. XXXX 7. XXXX  XXXX XXXX I have attached a copy of FTC Report as well as Police Report to this correspondence and under FCRA, XXXX is required by law to block and remove these fraudulent accounts immediately. If not, legal actions will be taken against XXXX.
Consumer complaint received 2020-09-06
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX and XX/XX/2020 I was late due to COVID. I was laid off and had no income. I have since cleared this up and paid the balance off. Can they extend a curiosity and please remove the two 30  days late to current? 
Thank You XXXX
Consumer complaint received 2020-09-06
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: BARCLAYS BANK DELAWARE (FL)

BARCLAYS BANK DELAWARE XXXX XXXX and XX/XX/2020 I was late due to COVID. I was laid off and had no income. I have since cleared this up and paid the balance off. Can they extend a curiosity and please remove the two 30 days late to current? 
Thank You XXXX
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MA)

We made a request of XXXX to come out of forbearance on XX/XX/XXXX, XXXX They presented options to us but failed to disclose to us that we would be put into a 3 month trial period and would not be able to refinance for 6 months after a loan modification. If we were told that, we would have immediately rejected it. They also said that bringing the mortgage to current interest rates was XXXX of the tools that could be used in the loan modification. They told us it would take up to 30 days to get contacted. When we did not hear within 30 days, I contacted them. They rushed a package out to me. 
When I got the package, it was completely unacceptable on multiple fronts. We had less than 20 years left on our mortgage and they put us into a 40 year mortgage at the old interest rate instead of a current interest rate and had language about a 3 month trial period which means we can't refinance for XXXX months. 
I called and was told that lowering to current interest rates was NOT something they could have done. I requested a change to a deferment and was told that I would have to wait XXXX XXXX days for an answer on that. 
They are clearly and unscrupulously dragging their feet to keep us from being able to refinance. Their competitor, XXXX XXXX, turns their deferments around THE SAME DAY. That makes sense because a deferment doesnt change the terms, it just adds a balloon at the end of the loan. We got into this because of economic injury and do not need this company keeping us from being able to refinance to lower interest rates. 
Please help us.
Consumer complaint received 2020-04-01
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)

I decided to get my credit pulled due to a couple of bills. I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT EDXXXX XXXX {$88000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$650.00} XXXX  XXXX XXXX    XXXX {$510.00} XXXX/XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$4000.00} XXXX  XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$540.00} XXXX  XXXX  XXXX {$1100.00} XXXX  XXXX {$540.00} XXXX  XXXX  XXXX {$700.00} XXXX/XXXX   XXXX {$640.00} XXXX XXXX {$1500.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$450.00} XXXX/XXXX  XXXX {$700.00} XXXX XXXX XXXX  XXXX {$420.00}
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (OH)

My husband had his social security card stolen and we never knew about a PayPal account made in his name. We never got any letters or anything and we get numerous call everyday and night from different numbers about he owes XXXX to PayPal. Like I said we have never gotten one letter about this and me and my husband get calls and I don't know why they call me. I have told them over and over we have an investigation going on to see what it is they won't give me an account number or anything. I have asked them numerous times to stop calling every 5 minutes while we are at work and at night but they won't stop. The numbers show up as unknown and restricted. And never leave messages. Last night the lady got really mouthy with me And said further actions would result.
Consumer complaint received 2020-11-22
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. (AL)

XX/XX/2020, I sent a letter to XXXX XXXX XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with Equifax, sent them a copy off this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (CA)

I checked my credit report on a weekly base on XXXX XXXX and it ask me to confirm my new account. I have n't applied for new credit or anything so I log on and it stated it was a new medical collection account that was reported on XXXX XXXX, 2017 by Bay Area CS for the amount of {$760.00}. I contacted my heath insurance ask them if all my claims were paid they stated yes and I had them verify my coverage and they did they pay 100 % I just have to cover the co payment which is {$20.00} for an DR. office {$100.00} for Hospital. So I find this odd that this company is reporting I owe {$760.00}. I never revived any paperwork on this no proof its my debt and my heath insurance said they already covered all my claims so there is nothing owed and if there is something owed it will either be {$20.00} or {$100.00}.