davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
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: Resurgent Capital Services L.P. (GA)

On XX/XX/XXXX, I sent a letter to XXXX XXXX and XXXX requesting for the deletion of inaccurate, unknown accounts on my credit reports. 

Specifically, a company named XXXX XXXX reported a {$400.00} charged-off account, opened in XX/XX/XXXX, to XXXX XXXX XXXX XXXX. XXXX XXXX sent the account referenced above to a collections agency named Resurgent Capital Services LP in XX/XX/XXXX, for the amount of {$420.00}. 

I have never opened an account with XXXX XXXX and do not know anything about the charged-off and collections accounts yet all three credit bureaus are still reporting these inaccurate accounts on my credit report. XXXX  updated my credit report with the following comment : " the company reported certified to XXXX that the information is accurate ; XXXX  updated my credit report with the following comment : " account information disputed by consumer, meets FCRA requirements '' ; and XXXX updated my credit report with the following comment : " consumer disputes after resolution ''. 

I was curious as to how XXXX XXXX determined that an inaccurate account should remain on my credit report. Between XX/XX/XXXX and XXXX, I wrote additional letters to XXXX XXXX, XXXX XXXX XXXX XXXX requesting for the description of the procedures used to determine the accuracy of the disputed information and for validation obligating a payment. 

I have not received any responses from XXXX XXXX or the credit bureaus. I am currently experiencing financial harm because of these companies ' negligent reporting practices.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Yesterday XX/XX/23 I failed a dispute with Wells Fargo Bank as a few transactions I did not authorize! The first rep was helpful and filed the dispute and also issued provisional credit back to my account. I called back and added three more transactions I didn't authorize and asked for provisional credit. This time I was met with a rude and condonsending representative. She asked me to hold while she went to consult with her back end team who handles the provisional credit. Then came back to the phone to tell me to wait 10 days before they would issue the credit back to my account. The rep had a tone as if she didn't believe there transactions were fraud. Told me a vague and empty answer just to get me off the phone. So the back end team apparently told her to not issue the credit. Then I get a email notification saying Both my checking and savings account have been placed with a Temporary suspension due to my account being compromised. I called the number in the email just as the email said and the rep over the phone had a tone of disbelief as well. She advised me that I would then have to drive to a branch and speak to someone. At this point I'm furious because Im working and wellsfargo has suspended both my accounts even though I only reported fraud on my checking account. Not my savings account. I go to the branch and talk to the personal banker who called lost prevention and even she was confused at why this bank was treating me and my accounts this way. The representative over the phone told the teller to tell me that the suspension won't be lifted until after the investigation. the personal banker was extremely nice and even told me that she probably shouldn't be telling me this but the Lost prevention team told her that the suspension was placed on my account for claim abuse and not for the original reason that was advised to me. So at that point I got up and left even more furious. After online research I come across many articles and videos where Wells Fargo is involved in multiple lawsuits for unethical practice. And I refuse to let this go. Im also going to be closing my accounts here and filing a lawsuit for damages. This bank has also dismissed prior claims from me without explanation. When I Call all I get told is that a Pin was used to it had to be me or someone else I know. No true investigation results which I will request before going to court. Wells Fargo, its claims department, back end team can count their days.
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I contacted Bank of America ( BOA ) about disputing a charge on XX/XX/2020. BOA asked me to send in information about the dispute, which I did. On XX/XX/XXXX, BOA concluded they could not dispute the charge because the method of payment was XXXX XXXX. On XX/XX/XXXX, I contacted BOA via telephone to request documentation showing the information they used to come to that conclusion. I was not provided with any investigation documents. I was again provided the same response that BOA could not do anything to solve the dispute. On XX/XX/XXXX, I sent BOA an email from XXXX XXXX   support showing that XXXX XXXX would work directly with my bank to solve the dispute. The email from XXXX XXXX support is attached. I also sent a written request for documentation used in the BOA investigation, which is attached. I have not received any documents. XXXX XXXX can be seen on their twitter account telling multiple people that if a bank disputes a charge that XXXX XXXX is required to refund the funds. Responses from XXXX XXXX stating they are required to return disputed funds are attached.
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (CT)

I have been trying to get Equifax to correct the incorrect information on my report since XXXX. Equifax stated it was corrected. I recently applied for a refinance for my mortgage and the SAME ERROR WAS ON THE EQUIFAX REPORT -- NOT ON ANY OTHER REPORT. 
IN ADDITION -- THE ERROR MADE INDICATED I HAD A XXXX XXXX CHARGE CARD WITH OUTSTANDING BALANCES. 
I DO NOT NOR EVER HAD A XXXX XXXX CHARGE CARD. AND THIS COINCIDES WITH THE DATES OF THE DATA BREACH OF XXXX XXXX CREDIT CARD FRAUD JUST IN THE NEWS TODAY XX/XX/XXXX THIS HAS OBVIOUSLY GOING ON SINCE AT LEAST XXXX. 

AND EQUIFAX ALSO HAD ME LIVING AT ADDRESSES I HAVE NEVER LIVED AT UNDER NAMES I NEVER HAD. 
PLEASE ADD THE XXXX XXXX INFORMATION TO THE CLAIM I SUBMITTED XXXX. AS STATED EARLIER, I HAD CONTACTED MY STATE CONGRESSIONAL SENATOR WHO ALSO TOLD ME EQUIFAX HAD ASSURED HIM THE ERROR WAS CORRECTED. THIS WAS IN XXXX. I HAVE LETTERS FROM SENATOR XXXX XXXX -- STATE OF CONNECTICUT IT NEVER WAS.
Consumer complaint received 2020-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

The principle balance shows an incorrect XX/XX/XXXX balance of {$48000.00}. The amount should be in the {$4700.00} 's, as the balance was {$47000.00} in XX/XX/XXXX.
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (NY)

XXXX XXXX XXXX  is repeatedly charging me for the same debt that I have paid years ago. The current creditor is Pinnacle Credit Services , LLC. I have repeatedly asked them to stop recharging me for the same debt over and over again. The debt appeared on my credit report in 2007 after I paid the debt in full and it was settled. XXXX XXXX XXXX  waits a year or two and then mails me the same debt and that it is in collections. This is clearly harassment and at this point I'm feeling threatened and extorted.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

This complaint is against Capital One Credit Card. I have 3 capital one accounts. I closed the one with the highest balance and have been paying it down and making payments on time. Since I closed it Capital one has doc 'd me 40  credit points TWO times. 

This is wrong and I feel like they are punishing me for closing the account. There is nothing happening that would make my score go down 80 points. 

I am paying all of my accounts on time and am paying more on everything that I own. 

Capital One needs to this fix this but when I call its over an hour wait so I am thinking this happened to more people than me.
Consumer complaint received 2020-04-28
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: Fidelity National Financial, Inc (NM)

In XX/XX/XXXX XXXX and XXXX XXXX claim that they lent XXXX XXXX XXXX - XXXX XXXX a loan for {$100000.00} to purchase an office complex for himself that I was told would be a flip property. They produced a photocopy of a cashiers check that they claim was given to XXXX XXXX at XXXX XXXX XXXX as payment towards this loan but XXXX XXXX XXXX never received a receipt for the transfer of money into escrow nor was the money ever deposited into the XXXX  XXXX XXXX business account. Then the XXXX 's had XXXX XXXX write up a Promissory Note stating that XXXX XXXXXXXX XXXX XXXX XXXX owed XXXX and XXXX XXXX {$100000.00}. These two companies, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are two totally separate LLC businesses, formed by their son. 
Then in XXXX of XXXX XXXX and XXXX XXXX set up another appointment, along with their son and had me sign a quit claim deed, drawn up again by XXXX XXXX from XXXX XXXX XXXX, after the purchase agreement had already been signed for the sale of property, to transfer my rights of ownership back to them, five days before closing. The property was valued at over {$100000.00}. Therefore whatever scheme they had devised as a Promissory Note in XX/XX/XXXX was paid back to them one month later in the form of a quit claim deed to property at XXXX XXXX XXXX, XXXX. 
In XXXX of XXXX, XXXX and XXXX XXXX produced this same Promissory Note to the XXXX  District court in a lawsuit to which they are not party to, claiming the repayment of this fraudulent business loan. They are engaging in a hoax to deceive Judge XXXX XXXX of a debt that does not exist and lay claim to a property to which they do not have title ( XXXX XXXX XXXX XXXX XXXX ) and through a lawsuit to which they are not party. 
It is my belief that XXXX and XXXX XXXX along with XXXX XXXX and XXXX XXXX have conspired to commit fraud. They have used trickery through numerous legal documents and signatures from three different business entities to deceive Judge XXXX XXXX in the XXXX XXXX District Court. At not time did I ever receive money from XXXX and XXXX XXXX as stated by their fraudulent Promissory Note dated XX/XX/XXXX. They are engaging in a hoax to manipulate and deceive a District Court Judge through the Special Master, XXXX XXXX.
Consumer complaint received 2020-04-27
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$400.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX XXXX {$620.00}
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

Dear CFPB, Home Depot/ Citibank is not adhering to the protection order for credit reporting under the statute below, SEC , 4021 Credit Protection During Covid-19. I contacted Home Depot customer service on XX/XX/XXXX, over the phone on a recorded line. I was told that the COVID-19 pandemic ended in XXXX. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$400.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX XXXX {$620.00}
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was the victim of a scheme where I was hired as a personal assistant and unknown to me, I was given fraudulent checks in XX/XX/2020. Citizens Bank cashed and accepted these checks without verifying the checks. When Citizens Bank did finally realize these checks were indeed fraudulent it was the end of XXXX/first-second week of XXXX. 
The bank did not notify me that the checks were fraudulent. I simply checked my account and saw a negative balance. 
I went to the Police Department in my town and my local bank branch. I have receipts, tasks, emails, texts messages showing that I do not have the money shown. 
Citizens Bank refuses to address this issue with me and close my account. They denied me access to the account, but took my federal tax refund. They refuse to file a claim and refuse to work with me in anyway to resolve this issue. 
I have not been contacted by their legal counsel or fraud department. After many phone calls to Citizens Bank, now XXXX, no resolution, and my amended refund is about to be seized by Citizens Bank, even though they will not allow me access to the account. 
I was unable to update my account information on my amended tax return this resulting in the refund to go into this account. 
I called Citizens Bank immediately just to receive 5 different answers on whether or not this refund will be seized. I expressed that during this time of pandemic and emergency and being out of work that I need this money and these tactics are unethical.
Consumer complaint received 2020-04-28
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. (GA)

I called XXXX XXXX collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my Experian report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : XXXX*An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants XXXX   XXXX  authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (CA)

I requested a warranty service call from XXXX XXXX XXXX XXXX XXXX XXXX in California. They performed the service on XX/XX/XXXX for {$75.00}. The service was satisfied in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX engaged A.R.M. Solutions Inc ( collection company ) to collect the debt for them. I have called XXXX XXXX XXXX XXXX multiple times and have informed me that they show in their records that the amount owed is paid but A.R.M. Solutions Inc continues sending harassing letters to collect on the amount that has already paid. 

Here is their contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX A.R.M. Solutions Inc XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. 

XXXX XXXX XXXX {$420.00} XXXX  XXXX {$310.00} XXXX  XXXX {$340.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$490.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$670.00} XXXX  XXXX {$430.00}
Consumer complaint received 2020-04-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (FL)

I have told this company on several occasions I do not owe this debt and it was paid. They are not the rightful owners. I never received anything regarding this matter until 7 years later when it showed up on my credit. The company keeps going in circle when I tell them to show me proof I owe this debt. The original owner have sold this account to several different third parties but no one can show proof the own this debt and sign any agreement to owing this debt. The company is a fraud and have had several lawsuit against them because of this.
Consumer complaint received 2020-04-27
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. (CA)

I've made numerous attempts to reach out to Experian regarding the inaccurate information it continues to report to my credit file. Experian special handling doesn't answer the phone nor does it return voice mails. I've left at lest 5 different messages and received not one call back. I've submitted a police report and a fraud FTC report to support my ID theft claim. 

The following accounts need to be deleted due to ID THEFT. 

1. XXXX XXXX XXXX ACCT # XXXX 2.XXXX  XXXX XXXX  ACCT # XXXX 3. XXXX XXXX XXXX  ACCT # XXXX 4.XXXX XXXX ACCT # XXXX 5. US BKPT CT XXXX  CA CASE # XXXX
Consumer complaint received 2020-04-03
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. (GA)

Equifax is reporting a fraudulent account that was a result of identity theft. Fraudulent accounts are continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

An unauthorized wire transfer for {$6500.00} was taken from my business account on XX/XX/2020. I filed a complaint on XX/XX/XXXX when I discovered it. Since then I have spent countless hours on the phone and at the branch trying to get answers and all they have told me is that the bank the funds were wired to does not respond. Now they have told me to file a police report. I received these funds from a client to finish a project and now they are gone. My bank has been no help because they released the funds but refuse to return them. It has been almost a month and I have nothing. To make matters worse they are charging me for the wire transfer and for ensuing overdrafts. I have filed a case with the Office of Comptroller of the Currency but this can take quite a while and I need these funds returned.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

Experian and Nebraska child has on my report as a charge off I child support was paid in full you can't charge off child support Experian saying they don't see it but its right there and I was denied credit because of it the charge off just showed up in last three months you can't charge off child support it was paid in full but they are reporting it as a charge off but also paid in full