davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation (MD)

I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX  AND FORTIVA STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL 3 CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX XXXX, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-08-06
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (CA)

I have been inundated with calls from a number I didnt recognize recently. Today I answered, and - after a long silence - the caller identified as AFNI - trying to collect a debt on behalf of XXXX from XXXX. I was pressured into making a payment or a payment arrangement, and when I attempted to ask questions I was refused answers and told that I would be reported to a credit bureau if I did not pay immediately. All I asked was for the opportunity to review my own records to confirm the timelines being claimed by AFNI and XXXX, as it has been over a year and I wasnt sure about them. I was again threatened, told that notes were being made that werent accurate, and then forced off the phone.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-09-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

In XXXX of XXXX, I was granted a one year forbearance on my VA Mortgage. I was told that after the year was up, I would have ( 6 ) options for repayment. Those options were : Reinstatement, Refinance, Forbearance Plan, Repayment Plan, Modification, Payment Deferral or Partial Claim. 
When my forbearance ended in XXXX of XXXX, I contacted them to inquire about these options. I was told that in order to qualify for one of the above options, I had to complete an application. I completed the application over the phone and electronically signed the documents. I was then told I was denied because I didnt have enough money to pay my bills. They refused to allow me to refinance because they said I lacked sufficient income. 
My income is the same when they gave me the mortgage initially. My VA XXXX is {$1800.00}. The mortgage including property taxes, school taxes and home owners insurance is {$500.00}. My utilities are {$130.00}. My cell phone is {$60.00}. My XXXX XXXX XXXX is {$30.00} and my one credit card is {$100.00} per month. 
I believe fraud or discrimination is taking place. I tried to make a payment for XX/XX/XXXX online and they blocked me so I mailed in my payment and they returned it and reported to the credit bureaus that I was 180 days late on my mortgage when I was in an approved forbearance for one year.
Consumer complaint received 2022-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

I don't know who or what this is. When trying to verify, all they could verify was my name, social and past address. Problem is... I'm a victim of the XXXX breach back in the day so all of this information is verifiable. I have pending litigation against this company.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

Victim of ATM skimming fraud on international ATM withdrawal. Bank is not supporting claim. Reported fraud within 30 minutes of issue. Original claim denied. Second claim opened to appeal decision and denied. Wells Fargo is not doing thorough fraud investigations.
Consumer complaint received 2023-03-22
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-18
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: Experian Information Solutions Inc. (MI)

My information has been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Bankers XXXX XXXX XXXX  XXXX XXXX XXXX  Experian : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

I deposited a check of the amount of {$2700.00} on XX/XX/2021. The check is the return amount for an apartment rental security deposit. The check is paid to three payees : myself, my wife, and a friend of mine who was a guarantor. Citibank has block my account without informing me via phone nor email. I am traveling abroad and it has been more than a month since they block my account. I contacted Citibank and they asked me to send a notarized letter with copies of the payees ' ids ; I did so but they said they have not received the mail yet which was delivered on XX/XX/XXXX according to the mail carrier tracking. However, the notarized letter was sent later in person at a Citibank branch in XXXX XXXX XXXX but the account has not been unblocked yet. Currently, I have overdue bills and payments and I have been charged with interests and Citibank is not helping me to overcome these difficulties. I called them many times and everytime they tell me I have to wait. Note that I call them overseas and it costs me a lot.
Consumer complaint received 2022-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NC)

I have a XXXX XXXX credit card. The account is closed but it still has a balance. I have logged onto the website for this account and they are not providing any type of statement for the account. I have not received a statement in my email for many months so I was trying to verify the statement balance because it does not look correct. There is nowhere on their website to retrieve or view the statement. I had to call the company and they want to charge to have the statements sent to me. I don't understand how a credit card company can not provide statements to customers even if the account is closed. If there is a balance, I should be able to see my statements until the account is paid in full.
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Please update this inaccurate account. XXXX XXXX XXXX XXXX Balance : {$9600.00}.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file To all 3 credit bureaus. As i was a victim of identity theft. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA as well. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (RI)

Previously close case i filed with you was not handled properly and the solution was not kept by company. Theyre repeating the same illegal actions. Even with the copy of the resolution sent in to them. Theyre being fraudulent, lying to people about legal rights refusing to follow eft and prepaid card laws. Theyre retaliating against people who tell them their legal rights and file against them.
Consumer complaint received 2021-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

I had an account with XXXX XXXX XXXX as part of my business in XXXX, XXXX  through XX/XX/XXXX. When I sold the business and left the city in XX/XX/XXXX, I returned the equipment and closed the account thinking I was in good standing. Unbeknownst to me, XXXX XXXX XXXX continued billing me apparently for months and I was given no notification in order to be able to sort it out with them ( I had moved back to XXXX, XXXX  ). 

Fast forward to XX/XX/XXXX, I get a notification that there's a collections on my credit file from Sequim Asset Solutions for {$180.00} related to that account. I called XXXX XXXX XXXX and spent over 6 hours talking through it with them - they agreed verbally that it was likely a system mistake but since it had gone to collections, it was out of their hands. I called Sequim and they said it wasn't in their hands but rather, it was up to XXXX XXXX XXXX to pull the record. 

I'm a person that had over an XXXX credit score and now this company has ruined my credit - it dropped over 60 points. I have no recourse and I feel helpless because I've worked very hard for the score I have. Just when I'm thinking to buy a home, XXXX XXXX XXXX falsely puts a collections on my account for a debt they agree I don't owe. I really need help fighting this corrupt company - it's not fair. I've never missed a single payment for even thousands of dollars EVER and now I have a derogatory mark on my credit.
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, the information on my identity theft report has not been blocked. I feel like I'm being taken advantaged of and being ignored of my disputes. In Section 605B, it is plainly stated that a Consumer Reporting Agency shall block the reporting of 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 days. My information was impacted by the XXXX data breach and has gotten into the hands of the wrong person. I have sent a notarized copy of the affidavit attached. The document was notarized to authenticate the documents and my identity, no further proof of identity should have been required. Any responses that I have received were general responses and did not respond specifically to my affidavit nor my disputes. They did not comply with my demand to block the information in the affidavit pursuant to the law. I have followed all of the necessary steps in order to legally and rightfully have these items removed, including but not limited to : Sending letters to the reporting agency, filing FTC reports with the Federal Trade Commission and sending notarized affidavit of truth clarifying the identity theft. The extended length of time to remedy this situation has drastically impacted my financial stability. I demand these accounts be deleted immediately or I will file for litigation and seek damages due to the stress you have caused me.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This CFPB complaint is filed to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax block and delete information on my credit report resulting from identity theft within four business days. This fraudulent information includes a XXXX  XXXX credit card account opened on XX/XX/XXXX ( Account Number : XXXX ), a XXXX  XXXX XXXX account opened on XX/XX/XXXX, and a charge-off account with XXXX XXXX  opened XXXX XX/XX/XXXX. Additionally, unauthorized inquiries appearing on my Equifax report include : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX I do not recognize these accounts, inquiries, or any related collections as reported by Equifax. Enclosed is the FTC Identity Theft Affidavit as evidence of these fraudulent items, and I request their immediate blocking and removal from my Equifax report.
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: CURO Intermediate Holdings (TN)

I wanted to know are you the owner of the original debt?

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (OH)

I am writing to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. Please take a look at the following accounts and have them removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}. I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report. I am including a copy of my credit report with this complaint for your reference.
Consumer complaint received 2024-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (MD)

I sent a wire of {$10000.00} through XXXX XXXX to my client in Wells Fargo bank. XXXX XXXX sent the money the next day to Wells Fargo. I sent the wire on XX/XX/XXXX, today is XX/XX/XXXX and my client has still not received the money from Wells Fargo Bank. I need compensation from Wells Fargo for emotional pain and suffering. This has really messed up my credibility with my client and I dont intend to send anymore wires to anyone with a Wells Fargo account.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have filed a complaint in XXXX XXXX Superior Court case XXXX, Plantiff XXXX XXXX, Defendant XXXX  ( in the employ of XXXX ). I have made complaints to XXXX and XXXX since early XX/XX/XXXX, that they are incorrectly reporting lates on my account XXXX & XXXX. 

XXXX et al - have been ignoring me ( XXXX XXXX ) and coming up with one excuse after another for 6 months,
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will fine a lawsuit if this fraud accounts is not removed!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

XXXX, XXXX AND EQUIFAX HAS FAILED comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n.THIS IS A VIOLATION OF THE FOLLOWING FCRA LAWS FCRA Section 1681b- Restricts access to credit reports only to those with a PERMISSIBLE PURPOSE FCRA Section 1681i - Requires credit reporting agencies to investigate and correct disputed information within a reasonable time.

FCRA Sections 1681n and 1681o- Outline civil liabilities for willful and negligent noncompliance with the FCRA . 


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