davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-29
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. (FL)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, .XXXX, Number : XXXX XX/XX/2023 XX/XX/2023 Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Consumer complaint received 2023-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Dividend Finance has submitted to the CFPB, multiple times, a document they have been informed is fraudulent. To defend the fraudulent document they use the fraudulent document. I was not the person who filled out the DocuSign document that Dividend Finance is using to enforce the loan.

I do not have the item the loan is for. It never passed inspection because the contractor the Dividend Finance paid ( against my will ) abandoned the project and allowed the permit to expire after becoming unreachable to myself. They damaged my home and did not provide the service Dividend Finance paid them for, which again was paid against my will and consent. They never confirmed with me that installation occurred. They broke the law in my state initially just dispersing the loan without my consent. I then explained in writing through their website and through emails that I never accepted the loan or the terms and conditions of the loan. Instead of actually investigating this, they used falsified documents to pursue the loan further. Submitting a fraudulent document in response to me informing your company multiple times that it is fraudulent is not a valid response. In fact, it is illegal for people to submit falsified documents. Even though you work for the institution you can and should be held criminally liable. There is a thing, called a digital footprint and it allows things to be seen, like who's computer and device accesses things. Not only could you have properly researched the info I told you ( multiple times ) to see that this fraudulent document was not filled out on my device but inevitably when the FTC, SEC and other regulatory agencies review Dividend Finance they will see each one of you individually who decided, made the choice, to participate in this fraud. Lack of training is no defense. You are criminals and will be held liable. Use the internet and search about all of the individuals who participated in banking scams and were held liable if you don't believe me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company.

Please update my addres
s : XXXX XXXX  Please update my name to My only social security number is My only correct date of birth is My only employer is I do not wish to have any telephone numbers on my report.

Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, Enclosed is my Drivers License and Proof of Residence.

This is my 3rd request! Verify through certified mail received XX/XX/year>.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (FL)

I reported identity theft fraud to XXXX XXXX XXXX XXXX and they refuse to remove the fraud from my name and from the credit bureaus.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I was shocked this afternoon to find inaccurate accounts suddenly appearing on my credit report, with no explanation whatsoever. I checked my credit report as usual, but this time, out of nowhere, there were errors. I even tried refreshing the browser, hoping it was just a glitch, but the errors didnt disappear. Given this unexpected issue, Im asking for a thorough review of the documents Ive sent to ensure I wont have to worry about this again.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As I viewed my credit report I noticed an inquiry on TransUnion from a XXXX XXXX XXXX XXXX I have no knowledge of this company. I tried to contact them on XX/XX/23 spoke to a representative that stated he had no record on an inquiry submission. Then the rep hung up the line.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

I have had my Citi card for probably almost 20 years at this point. Lately I have been using them for 0 % balance transfers. I transfer the balance and then pay it off when the promo rate expires. I have done this at least 3 or 4 times now at this point. In XX/XX/XXXX when a balance transfer promo was expiring I made the extra payment to Citi and messaged them to confirm the payment of {$1600.00} ( the balance transfer balance was {$1500.00} ) would be applied correctly to that balance. I was told that it would, the rep even offered to refund back a small amount of interest which had accrued on that balance. I said, no worries, as long as the payment was correctly applied I was fine. It was not correctly applied. It was applied to some other balance which did not have the higher APR rate. I noticed a couple months later when I was being charged 24.49 % on this still outstanding {$1500.00} amount. I called Citi several times explaining the issue. They told me they were opening up a " case '' but they could never give me any case number so I had to constantly re-explain the issue every time I call. They never have any answers and tell me to either check my statement or wait for communications. I called today to check in and the rep, again, had no idea what I was talking about. I got so fed up I told them I wanted to dispute the interest charges that have been accumulating on that balance since my payment was applied incorrectly. We went around and around on the phone and the rep said they could not refund or dispute those interest charges until the entire balance of my card $ 5k was paid in full. I told her I could not pay that now and that I still wanted to dispute those interest charges. I made the payment on the {$1500.00} balance ( who knows if it will be applied correctly ) and continued to ask for a refund or dispute the charges. I finally asked for a supervisor which she placed me on hold for, came back in, said the supervisor was there, no one answered and then the phone disconnected. This is unacceptable and I have been more than patient while they looked into their mistake. I do not even think there was a " case '' open. I believe this is deceptive and at minimum I should get the {$9.00} charged on XX/XX/XXXX, {$29.00} charged on XXXX, {$32.00} charged on XXXX, and {$34.00} charged on XX/XX/XXXX refunded back to me. I have not received the most recent statement for XXXX, but that will probably be even more. This is predatory practices and deceptive for consumers.
Consumer complaint received 2023-08-03
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. (FL)

I made a payment of {$32.00} on XX/XX/2023, which would have been the final payment on my account, bringing my account balance to {$0.00}. This was after speaking with " XXXX in Arizona '' and determining that my account would not receive charging privileges again. XXXX stated that if I made my payment, the account would be closed and REMOVED from my credit report. However, instead, the account was NOT removed, the balance has escalated well beyond the {$32.00} that was due, and no one can seem to explain why. The {$32.00} was never deducted from my account as I authorized. 

In addition, I'm receiving calls for a " XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer, they state they are not looking for " XXXX XXXX '' but " XXXX XXXX '' so I have no idea if it's about this balance or not. I have several voicemails saved with them seeking this individual. I've received calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and more.
Consumer complaint received 2023-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

I hope this letter finds you well. I am writing to file a formal complaint regarding a recent experience I had with Collection Consultants of California and XXXX XXXX XXXX XXXX, which has led to an unjust demand for payment of {$1300.00} despite providing sufficient evidence that the bill was already paid. 
On XX/XX/2022, I visited the XXXX XXXX XXXX XXXX XXXX XXXX seeking immediate medical attention. At the time of admission, I provided my insurance information, trusting that the hospital would accurately bill my insurance company with the appropriate codes for the services rendered. However, to my dismay, the hospital erroneously submitted the wrong codes to my insurance provider, leading to the denial of coverage for the services provided. 

As soon as I became aware of the billing issue, I promptly contacted XXXX XXXX XXXX XXXX to rectify the situation. After several attempts on XX/XX/XXXX at XXXX I talked to XXXX and she assured me that she would correct the billing codes and submit the revised claim to my insurance company. Despite this assurance, on XX/XX/2022 I began receiving harassing calls from Collection Consultants of California, demanding payment for the outstanding balance. 

In response to their persistent requests, I provided Collection Consultants of California with documentation proving that the bill had been paid in full by my insurance company. 

Despite sharing all the necessary evidence, Collection Consultants of California continues to pursue collection efforts against me. They have even reported this alleged debt to three major credit reporting agencies, negatively affecting my credit score and financial well-being. 

I believe that this entire situation has caused significant distress, inconvenience, and damage to my financial reputation, all of which are undeserved due to the errors committed by XXXX XXXX XXXX XXXX and the unwarranted actions taken by Collection Consultants of California. 

Therefore, I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the practices of both Collection Consultants of California and XXXX XXXX XXXX XXXX. I seek your assistance in resolving this issue and having the erroneous debt claim removed from my credit reports. 

Enclosed with this letter, you will find copy of my insurance showing that I do not owe anything to XXXX XXXX XXXX XXXX. 



I hope that the Consumer Financial Protection Bureau can mediate this matter swiftly and ensure that justice is served. Please keep me informed of any progress made in this investigation and any actions taken to resolve the situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance and a favorable resolution.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX, during the hours of XXXX and XXXX I went to the XXXX XXXX XXXX to utilized the ATM which is owned by the Citizens Bank XXXX I am also a member of the Citizen 's Bank for over 19 years. I attempted to retrieved {$600.00} from the ATM. During my transaction, the ATM machine screen went black and shut down and attempted to restart itself, however the screen remain black/blank. I did not get any money or a receipt. 

I attempted to call the customer service and the automation phone service stated it would be a 20 minutes wait before someone could help me. I was on my lunch hour so I ran to the nearest Citizens Bank which is in the XXXX XXXX XXXX  XXXX. I explained to the Teller what had happened, the Teller informed me that it showed that the money was withdrawn, however, the machine is attached to their branch/bank so they can not help me. 

I was still on hold while seeking in person assistance with the XXXX XXXX XXXX. The customer service representative on the phone stated I should file a claim which I did over the phone. On XX/XX/XXXX, there was a deposit of {$600.00} into my account and was immediately withdrawn by Citizens. I went on vacation on XX/XX/XXXX. I came back a week later and there was no deposit of my money in the account. I went to the XXXX XXXX branch to seek assistance and I was told there was no error with the ATM and that is why the money was withdrawn immediately after they ( Citizens ) deposited it on XX/XX/XXXX. I have been calling Citizens bank since XX/XX/XXXX trying to resolve this matter, I have been treated unfairly, again I have had this account for over 19 years. I am now seeking your assistance in getting my money back. I have tried asking the bank for the ATM video and computerized transaction for the week. I was told, I needed a subpoena. Attached, please find a photo of the ATM machine and my police report. Please help me get my money back. I am a homeowner, a husband of XXXX XXXX XXXX I can not afford to lose this amount of any amount of money. I need this matter resolve and I feel your office is the only one who can assist me in resolving this matter. Thank you.
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

Compliant XXXX was submitted on Wells Fargo and a prepaid credit card debt that they " alleged '' is owed. XXXX XXXX XXXX, as well as Wells Fargo, are both reporting this " alleged '' debt on all 3 credit bureau profiles. XXXX is indicating that I owe them {$740.00} and Wells Fargo is reporting {$610.00} in interest and fees for a prepaid credit card that my security deposit was never received back at the time of requesting account closure. XXXX continues to send mail correspondences and contact me several times a day for this debt despite me informing them the debt isn't actual and requesting documentation from them.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Something fraudulent happened in my BofA checking account I am not sure what. A check was deposited. Apparently it was deposited never touched never withdrew. XXXX XXXX felt it was fraud and froze the account. I had funds in that account prior to this deposit. The account is frozen and my funds can not be touched. They said policy is 30 days. I have waited over 30 days. I put in 2 hardship requests for my funds along with my XXXX  phone number. I was denied my hardship. Today I was told it could take up to another 60 days. They are holding my funds. I am XXXX  I have no money staying with a friend. They just tell me that the case is not totally closed. Today they told me it could be another 60 days. This is unacceptable. I dont even know about anything fraudi didnt touch the check that was deposited. I just want access to MY funds
Consumer complaint received 2023-08-03
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)

I have two credit cards showing on my credit report from XXXX, however, neither of these accounts are mine. I have a relationship with XXXX, but only as the provider for my checking / savings accounts, never as a credit card servicer. 

The credit cards were likely a result of identity theft, as the address on the account was an address I have not used in several years ( XXXX XXXX, FL vs. XXXX XXXX, FL ). I have spoken to XXXX in depth about these accounts ; they have assured me they would be removed, but to date, they have not been removed or adjusted to reflect a dispute. This is preventing me from getting credit with anyone, including XXXX.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (GA)

First bank I started with was Sterling - then I don't remember - then XXXX XXXX - now Webster~ The bank has changed its name four times, I keep calling and they refuse to close my account and give me my money. 
~ i moved to a different state and changed my phone number In order to log into the account, they need to send me a text message. They keep sending the text message to a phone that I no longer own. they will not accept my new phone number, and therefore i can't get into the account and close it. 

They keep asking me personal questions to confirm identity which I answer correctly. They're saying I'm not answering them correctly i've offered to send them copies of my driver 's license, my passport, my social security card, And they won't take any of them as proof of identity. I even offered to send them copies of old statements We're not talking about a lot of money, but whatever the amount is, it's mine. 

I have been trying for over 3 months, to no avail. How can you help?
Consumer complaint received 2023-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ZuntaFi Corp (AZ)

As my previous complaint explained, Zuntafi ( Formerly known as XXXXXXXX XXXX XXXX XXXX XXXX when I first got the loan ) was not truthful and did not properly inform me of the type of loan I was getting into before agreeing to it. On multiple occasions I spoke to a loan officer and it was never discussed or told to me that this was an adjustable rate mortgage. Never once was this even mentioned. I was sent a large number of documents to sign after discussing the loan with the loan officer. Again, I was never notified when speaking with the loan officer that this is adjustable rate. That is something that MUST be said or mentioned before sending documents over to sign. With the large amount of documents sent over there is no way I could have fully understood them all and made a proper decision without the help of a loan officer. The loan officer was completely unhelpful and unethical in not making this distinction during the discussions. That is extremely predatory in nature with the intent to get me into a loan that is not best in my interest or even something that I could reasonably have the ability to repay once interest rate hikes reach their maximum. I am not ok with the companies response and know that this is a way of getting young uneducated people like me into high interest loans that do not benefit me in the long term. If I had any proper indication that it would have become what it is now, I would have never taken the loan in the first place. This is WRONG
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CA)

Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX XXXX, and Equifax. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX