davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-17
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. (NC)

I have contacted Equifax over 29 times disputing fraud items on my credit file only with Equifax. I have several accounts that are fraud and the ladies who stole my identity have been found guilty and sent to jail. i have faxed and uploaded every police report and court document to prove to them this wasn't my accounts. when i file the dispute it says 30 days and you'll get our desion, NOT Equifax, within 2-3 days i receive a email saying the items are updated and there correct. 
XXXX XXXX XXXX XXXX is FRAUD XXXX XXXX XXXX is FRAUD XXXX XXXX for XXXX of XXXX is fraud. 
The crazy thing is i received a auto loan of XXXX from XXXX XXXX XXXX back in XX/XX/XXXX and the loan officer stated it looks like we gave a loan out in your name and it was fraud and then he said i'm so glad we caught XXXX XXXX and XXXX XXXX from using your identity. I stated well its still on my Equifax file. He said let me check that for you, 10 minutes later he said the bank has never received any of your disputes and XXXX XXXX as requested several times to have the items removed and blocked. XXXX  and XXXX  have both removed the fraud accounts and blocked them over a year ago but not Equifax. I filing legal actions against Equifax next week. Now my bank is calling my loan in due to whats on my Equifax Credit File. I what them removed asap
Consumer complaint received 2020-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (SC)

I requested a consolidation of all three of my daughter 's student loans. Wells Fargo chose unilaterally to not do so and only consolidated two of the three. I have tried to fix this with Wells Fargo representatives multiple times with no success. Now, nobody at Wells Fargo is returning my phone messages and they say they will not reply to emails. There is something broken in the process at Wells Fargo. -*XXXX *XXXX XXXX ID is XXXX Date of a recent notice from Wells Fargo is XX/XX/2020 *Please remove my name and application ID prior to publishing this description Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (CA)

Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX MI XXXX is trying to collect a {$400.00} XXXX phone bill from XXXX 2009. Ref ID XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

in a letter from Pennymac dated XXXX/XXXX/2015 I was approved for a HAMP XXXX with Principal reduction Trial modification. My XXXX trial pmt was due and paid by XXXX/XXXX/15 my XXXX pmt was made on XXXX/XXXX/15 and my final trial payment was made on XXXX/XXXX/15. I have not received any permanent mod doc 's and no one at pennymac can tell me what the new terms are. 
Pennymac is in breach of the XXXX month trial agreement. 
They want meto make more trial pmts which is an unfair and deceptive ploy in order to partially collect on a debt
Consumer complaint received 2023-02-26
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: National Credit Systems,Inc. (OH)

This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2023-02-27
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX, XXXX XXXX XXXX Account number : XXXX XXXX DEPTEDXXXX Account number : XXXX, DEPTEDXXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX OF XXXX TX XXXX  ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

Im filing this complain to resolve TD Bank ( TD ) Fraud accusation. I deposited a check for {$5400.00} using TDs ATM on XXXX2019.

The ATM read the {$5400.00} check as {$54.00} and I tried unsuccessfully to correct the mistake at the ATM.

On XX/XX/XXXX when the error was not corrected I called TD customer service around XXXX XXXX ET and spoke with a supervisor who informed me that this error could take 10 businesses days to be corrected because s an investigation needs to be opened. I reluctantly agreed to open the investigation. TD customer service told me that I was at fault for writing XXXX XXXX   instead of XXXX XXXX XXXX XXXX TD Customer service also blamed me for not fixing the error while at the ATM.

I then called TD Customer service a second time after realizing that only {$54.00} was deducted from my XXXX XXXX  account. I asked TD Customer service to stop ( cancel ) the dispute because I was going to re-issue the check. I spoke with a representative and asked that he cleared the dispute cancelation with his supervisor. Customer service confirmed that dispute was cancelled and his supervisor said it was ok.

On XX/XX/XXXX, a {$5300.00} adjustment was credited to my TD Bank Saving account creating a balance of $ XXXX. I then transferred the {$5400.00} from my Saving to Checking.

On XX/XX/XXXX, TD Bank locked my accounts alleging Fraud.

I am requesting that a TD Manager listen to the calls I had with TD customer service the morning of XXXX19 at approximately XXXX   ET and XXXX ET.

If after listening to both calls you conclude that Fraud was committed Ill be glad to close all my TD accounts.

Outside of TD I have the following banking relationships : ( 1 ) XXXX XXXX opened 15yrs ago daily average balance more than $ 45k ( 2 ) XXXX XXXX XXXX opened 36 yrs daily average balance more than $ 5K ( 3 ) XXXX XXXX  opened 6 months ago daily average balance more than $ 30K In addition to the above cash balances I have self-manage stock portfolio with XXXX opened 25 yrs balance $ XXXX, XXXX opened 12 yrs ago $ XXXX and XXXX opened 20 yrs ago balance $ XXXX total net worth is well north of {$1.00} million and Im debt free except for a couple rental mortgages.

Funning story, TD has been chasing after me for over a year to open an account. The TD account has an incentive of {$500.00} and the following criteria $ XXXX for saving within 20 days and $ XXXX for the checking with direct deposit.

I am happy to bring my entire bank and investment statements into the TD branch at XXXX XXXX XXXX, but I am not going stand by and have TD criminalized my transactions based on information received from TD customer service on XX/XX/XXXX
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I am submitting this complaint to address what I believe are inconsistencies on my credit report. I plan to make a major purchase in the future and my credit is a determining factor in my success. I recently requested my credit report and upon review I noticed there are accounts that appear to be incorrect or erroneous. My intent is to obtain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the accuracy of some of the accounts that reviewed and I am not entirely convinced that all the data within these reporting accounts is factual. As per the Fair Credit Reporting Act, I am permitted to challenge published information that appears to be inaccurate or misused. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights : XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy. 
Title 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 consent to do so.

Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile.

I would appreciate the onset of an investigation so that I might be able to make solid decisions about my credit and repairing it accordingly. I understand that this process takes fifteen days to complete. Once the investigation has begun and has been completed, please remove any accounts with discrepancies in direct violation of the Fair Credit Reporting Act. Lastly, if it is at all possible, I would also like to request a report covering your results and who reviewed my personal information while the investigation was in progress.

Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 

ACCOUNTS : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-07-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (KS)

Received a Marcus GM card in XXXX. We paid the entire balance XXXX. ( XXXX XX/XX/XXXX ) Did not receive a statement in XXXX, finally called them and were told they were having trouble catching up with new customers, but were told our balance. It was paid in full XX/XX/XXXX. Our next statement had an {$80.00} finance charge, which we called and disputed immediately. On XXXX Marcus agreed to waive that {$80.00}. We paid the entire balance, minus the {$80.00} on XX/XX/XXXX. Our XXXX statement added the {$80.00} back in, plus charged us an additional {$63.00}. We spent many hours on the phone with both a representative and a supervisor ( XXXX XXXX and were told that they were crediting the {$80.00}, but that we had to pay the {$63.00}. No one could tell us what that charge was interest on, just that we had to pay it. We received a follow-up in writing stating that we owed the {$63.00}. After spending more than six hours on the phone with this company, we are done with trying to get satisfaction from them, and are filing complaints with all interested parties.
Consumer complaint received 2020-02-29
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. (IL)

There is a collection account on my credit report for XXXX that was resolved in 2019 and I have asked XXXX to remove it and it was not removed. I sent a complaint to XXXX, Transunion and XXXX to have it removed and all they keeping saying is the debt is being reported correctly, it is not. This debt was resolved and Cancelled by XXXX and needs to be Removed from my credit report. Attached is the cancellation of debt from XXXX showing this debt was cancelled.
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

On XX/XX/XXXX, XXXX I received a phone call from XXXX at XXXX XXXX XXXX. The number he called from was XXXX. He claimed that I owed a debt on an HSBC Mastercard ending in XXXX, that the card was opened XX/XX/XXXX and had been paid up through XX/XX/XXXX. He said that I owed XXXX and he could bring that down to XXXX. While talking to him he claimed that my employer at the time of the card opening was XXXX XXXX which has never been my employer at any time. This tipped me off that this was a fishy attempt to collect a debt that definitely wasn't mine. He gave me a call back number of XXXX and said his extension was XXXX. He also gave me an email address of XXXX I pulled my credit report from XXXX and didn't see this " card '' listed I also pulled up my current credit report and didn't find this debt either.
Consumer complaint received 2023-02-27
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

To Whom It May Concern : XX/XX/XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding two collection accounts being reported by XXXX XXXX XXXX, XXXX. The two accounts are regarding a Home Depot and a XXXX XXXX account. I have requested each of the three credit bureaus as well as XXXX XXXX XXXX, XXXX to validate these debts by providing a contract that bears my signature or any documentation that they can provide to prove these were in fact my accounts. Letters were mailed directly to XXXX XXXX XXXX, XXXX on XX/XX/XXXX also by certified mail. 
Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. XXXX XXXX XXXX, XXXX only responds by sending copies of a ( one ) credit card statement, dated back in XXXX. 
In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of a letter dated approximately 3 years ago ) which states, This letter is to inform you that the above-referenced account was sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. If you have any questions about this account, please contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX. 
I have attached a copy of the two certified letters that were mailed to XXXX XXXX XXXX regarding the XXXX XXXX and Home Depot accounts as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened these accounts and it has had a huge adverse effect on my credit score. I have exhausted all efforts in contacting the credit reporting agencies, XXXX XXXX XXXX, XXXX as well as the original creditor. 
Please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc. 

Thank you, XXXX XXXX
Consumer complaint received 2019-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

I have a unverified account from MIDLAND FUNDING LLC. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that MIDLAND FUNDING LLC Cease and Desist all further communications. MIDLAND FUNDING LLC needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., they are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against them with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern : My name is XXXX XXXX, and I am writing you today because I would like to submit a complaint to address what I believe are discrepancies on my credit report. In preparation to purchase a new home in the future, I obtained my credit report and noticed several accounts that are of concern require attention. I hope to gain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the correctness of some of the accounts that reviewed and I am not entirely convinced that all the information within these reporting accounts is true. According to the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is precise. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights : 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  Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy.

Title 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 consent to do so.

Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile. 
Should you initiate an investigation it will be very much appreciated. I understand that a thorough investigation takes a period of fifteen days for completion. After the investigation has begun and has been completed, please remove the accounts with discrepancies in direct violation of the Fair Credit Reporting Act. I would also like to formally request a report of your findings and what representatives had access to my personal information while the investigation commenced. 
Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 
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