davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Consumer complaint received 2021-11-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I asked you to disclose your method of verification on the alleged XXXX you are reporting. You then replied to me with the enclosed Notfication claiming that the XXXX was verified by the XXXX Courts. 

Appalled by that information, I went directly to XXXX Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this XXXX is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the Court letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the XXXX is DELETED.
Consumer complaint received 2020-10-11
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: EQUIFAX, INC. (WI)

During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX  XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX  XXXX refused to respond to my requests, they caused a 30day late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any  assistance on resolving the error and sent a letter saying they will not remove the error late payment.
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Back in XX/XX/2020, I received a bill from Citizens Bank, for a credit card I had never authorized. In a matter of a few days, {$7000.00} were charged. This had started back in XXXX. As soon as I realize it, I reported to the police and the credit bureaus, followed the steps given to report identity theft and fraud, froze my credit and set an alert.

Sent a letter reporting the identity fraud to the credit company itself, Citizens Bank. 
Months passed, sent a second letter and finally heard from them, XX/XX/XXXX, but not the helpful response I was expecting. They simply said that after reviewing my account they had denied it.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (PA)

I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : Credit Coll Account Number:XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Consumer complaint received 2020-10-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Somebody has been using my identity to open credit card, loans that have not been paid. There is an unbelievable amount of accounts opened, and 41 hard inquires. I seriously need your help I do not know what to do. This is insane. I do not trust anyone please help. This has made my life very difficult. I was receiving fake letters from banks that I was approved, I received credit cards that were fake and didn't work. How am i suppose to fix this, I can not believe it.

Now that I need working capital for my businesses I'm getting denied. How am i suppose to buy a house. I don't know what to do. My car is soon going to be repo because I cant get any help from anyone. Please tell me there is a way to fix this.There is phone numbers that are not mine, jobs I dont know
Consumer complaint received 2020-10-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Initially, I contacted BOA regarding an issue I had with how this account was being reported. In XXXX, I began noticing very " unusual '' activity on my credit file in which I tried disputing and then let fall behind because the task of proof on my end was seemingly difficult as stated in my first complaint : XXXX ( see attached ) to BOA regarding this very thing. 

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Consumer complaint received 2023-04-14
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. (MT)

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2020-10-11
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. (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 ) 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.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I wrote a {$10000.00} check to a friend from my Wells Fargo checking account and sent it in the mail. Someone other than my friend got hold of the check and deposited it into their account. Neither my friend ( the intended recipient ) nor I knew this other person. 

About a month after I sent the check, my friend called me to ask if I had ever sent it. I saw that the check had been cashed the day after I wrote it. I couldn't see the back of the check on line, so I had to request it from Wells Fargo. It took several days for them to send me a copy of the signature on the back of the check. 

After both my friend and I realized that some stranger had cashed the check, I set up a claim with the fraud department at Wells Fargo. The Wells Fargo claim number is XXXX. This was on XX/XX/XXXX. 

Since then, I have spoken to several different people at Well Fargo, never the same person, each call taking over 5 minutes to verify me, and I have been given the run around every time I called. Finally, yesterday I got a message and today, XXXX XXXX XXXX  Wells Fargo told us the the claim was escalated to the " exception payment department '' with a phone number how to reach them. So far, two separate calls, both on hold for 60 minutes and 30 minutes respectively, with no one answering the call. 


I am attaching the front and back of the check to you to see that the payee and the signature are not alike. I was told that the check was deposited in a XXXX account. 

We are trying to to get the {$10000.00} put back in our account. Will someone please contact me an try to help me reclaim my money. 

My phone number is XXXX email - XXXX XXXX
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

An AC purchased from XXXX XXXX over year and half. Next day returned due to malfunctioning item. I was told it will be credited back to my Home Depot Card XXXX. A year later, a bill of the item has arrived with the charges, from that moment after today I called the Home Depot complaint depart.and in person at the store where was returned and never solved the issue.Today, I am in the middle of a purchasing a home but I'm getting close to be rejected due to this debt thats decreased my credit score. 
I spoke to two of the representatives from XXXX dispute dept. Whom can not expedite the process. I am begging you to please help me solving this uncomfortable issue, I'm getting afected financially due to lack of interest from the Home Depot store in processing each credit properly. The seller of the home I'm purchasing is giving me one more week to close the deal otherwise, I will be loosing some of the money I put down for it. 
I'll be waiting for your prompt response. 
Best Regards XXXX XXXX
Consumer complaint received 2021-02-04
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. (MA)

I was going through my credit report on below XXXX negative accounts that were included in XXXX public record. However, Im really concerned about your method of investigation because they continue to report several and multiple inaccuracies, misleading and incomplete info, and those items account status were never updated. The accounts shows different dates of last active, different last payments, inconsistencies of payment history, questionable HIGH CREDIT balance, and incorrect payment status. How is it even possible that you conducted a truthful investigation? How come the comments on this account never said that the consumer disputed. Due to these inaccuracies, and misleading information. Therefore, Im demanding that you completely DELETE these accounts below.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (TX)

I monitor my credit report closely and noticed that you guys placed a CLOSED account on my report without my consent!! Firstly, I applied for a credit card, and was not happy with the credit limit, so I immediately contacted XXXX XXXX to cancel the account. I HAVE NEVER RECEIVED ANY CARD OR USED IT ONCE! !. They told me when I contacted them that it would not be reported on my credit profile since I never activated the account!! Yet YOU are reporting it. Account : XXXX XXXXXXXX XXXX Also the companies have violated my rights several times under 15 USC 1681.

According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 2024-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (LA)

Follow up to CFPB complaint XXXX. 


I maintain that Shellpoint should refund my late fee of {$44.00} and any other fees assessed because of this matter. 

In the letter to me, XXXX XXXX writes, Although Shellpoint apologizes for any inconvenience regarding this matter, we have been unable to determine that any error has occurred. 

However, just a few lines above that sentence, she writes, Our records reflect the insurance was updated to remove the cancelled insurance policy and an updated escrow analysis was completed on XX/XX/year>. The total payment amount decreased from {$2200.00} to {$1900.00} effective with the XX/XX/year> payment. 

Basically, my bills beginning in XXXX were too high, and I suspected they were wrong. I withheld full payment because I didnt want to overpay an incorrect amount and needed to get the matter sorted out. It turns out I was correct. 

Even though XXXX XXXX uses the passive voice when writing, The total amount decreased and the insurance was updated, here she is admitting that Shellpoint made a mistake when calculating the insurance and retroactively lowered my XXXX bill midway through the month because of its mistake. 

The fees ultimately were incurred because of Shellpoints error and therefore need to be refunded.
Consumer complaint received 2024-11-01
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. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2021-02-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 35 days and I have yet to receive a response. I feel I am not being taken seriously and my complaints are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Furthermore, my information may have been impacted by the Equifax data breach and gotten into the wrong person 's hands.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX I XXXX XXXX XXXX endorsed a check made out to myself and PNC Bank N.A . The check in the amount of {$71000.00} was mailed out via overnight with XXXX. The issue is the check was for home repairs due to damage from hurricane 's Ian and Nicole. PNC bank was fully aware that I'm not responsible for the mortgage note but I am the primary on the homeowners insurance. The person responsible for the mortgage passed away last XX/XX/XXXX. PNC bank illegally sent the funds that were issued in my name and there name in the name of the deceased, that was not primary on the insurance. I XXXX XXXX XXXX have followed the proper protocol and have signed the necessary documents, stating the funds will go to the repairs of the home. I had absolutely no problem with them sending partial payment and requesting inspections be done. I spoke with several employee 's and none them seem very competent enough to handle the situation, especially since they can't seem to return phone calls and put you on hold for 45 minutes to an hour " RESOLUTION DEPARTMENT ''. This is absolutely horrific!! I've been to the branch several times hoping they were able to endorse the checks seeing as I have no business with them but when I was informed about the proper steps I would have to take, I did what was needed and they did what they wanted. My family and I have been fighting with the insurance company, which we are in litigation right now and the sad thing is I truly did not want to have to fight with PNC Bank to. The house is uninhabitable and we are living in our pool house with our three dogs. PNC is fully aware of the situation and not to mention we have contractors scheduled to start work but no funds to pay them.