davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC. (NV)

PREVIOUS CASE # : XXXX Please note that the original complaint with XXXX XXXX XXXX , is resolved. This complaint involves only Halsted Financial Services and XXXX XXXX XXXX. I can not seperate this complaint because it would leave out too many key factors in the what lead to my filing a complaint. 

I began receiving emails from XXXX XXXX XXXX last year in XX/XX/XXXX. They claimed they were a debt collector, collecting on behalf of XXXX XXXX for a debt I supposedly originally owed to XXXX Overdraft. I have no knowledge of owing XXXX any money at all. XXXX never contacted me about this so-called debt and they had my email address if not anything to try to reach out to me. I never got a thing from them or XXXX XXXX. I have a bank statement around the time they claim the debt was opened. The statement shows my account with funds in it so I was very confused as to how I owed anyone money. I was told by XXXX XXXX, that if I don't respond by XX/XX/XXXX, they would assume I am guilty and owe the debt. I sent them a validation request letter XX/XX/XXXX and informed them that I have no knowledge of this so called debt. I received an email response from someone named Bill at the agency. He told me they would get the information I requested to me soon. I never heard back from XXXX. Last month, in XXXX, I received an email from Halsted Financial Services claiming to be collecting on a debt on behalf of XXXX XXXX. I never received the validation I requested and to make it even worse, Halsted was contacting my sister and informed her of this debt I know nothing about. Now my family is concerned and I am having to explain that I have been trying to get these agencies to explain this debt and how I owe them because i had no idea I owed XXXX anything at all. I'm extremely upset that they contacted my family clearly stating that they are debt collectors trying to collect on a debt I owed to XXXX XXXX. I informed Halsted that I requested validation from XXXX and was told I would get the information I requested, but did not receive a thing. I sent a second validation request to Halsted Financial Services on XX/XX/XXXX. I have not gotten one response from them, nor the validation. They are not saying a word to me and were contacting my several days a week to get this money they say I owe but refuse to provide me information other than the amount and original creditor. I am attaching the validation letters I sent that will show dates sent as well as the email from XXXX XXXX XXXX, informing me that they would get the verification information to me. I can provide the rest of the emails from these agencies if needed.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XX/XX/2023 - The XXXX and Equifax account numbers are not matching and are to be deleted. 
Per 15 U.S.C 1681c. ( a ) ( 5 ) delete record due to the high balance do not matching.

I pointed out that record is inaccurate and per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer the reporting agencies do not have my written instruction to publish records.
Consumer complaint received 2023-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DigniFi (CO)

I made an online portal payment to the company in XXXX. 
The payment due displayed was the amount I scheduled. A {$10.00} late fee posted to my account after the payment was made. 

I knew something was wrong because I began to receive email notifications after I paid. I called the company and spoke with a representative and she said {$10.00} was delinquent and it had to be paid before reporting to the credit bureaus. I told her the payment I scheduled didn't include an additional {$10.00} and she said it couldn't be waived.
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION (FL)

To whom it may concern, We are writing you as we are encountering a problem with Branch Banking and & Trust Bank. This bank closed our account on XX/XX/2018 and did not notify us with sufficient amount of the days so we could take action. Instead the bank closed our business account and up to today we have not received any notification or the funds. 

We find incredible that in the United States financial system, the government does not control the banks business practices. It is easier and correct that the bank notify us with sufficient amount of days specially when we have an overseas company that they have decided to close business with us, so we can removed the funds and allow them to close the account. Instead, BB & T takes advantage of clients by freezing the funds and OBVIUSLY using them while they send a check or play with the funds! THIS IS NOT ACEPTABLE!!! It looks like they think we are idiots and we do not understand what is going on!! This is an abuse as they should have a limited amount to return the funds as they do not have a court order to retain my company funds. 

We extent our request to government officials to PLEASE fine or regulate this unfair business practices! As this bank is abusing of clients. 

Businnes account # XXXX Name : XXXX XXXX Personal Banker : XXXX XXXX telf : XXXX XXXX
Consumer complaint received 2023-04-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WI)

On XX/XX/XXXX I received a popup on my Citi mobile app prompting me to open a savings account with a maximum incentive of {$450.00} for keeping a balance of {$50000.00}. I tried opening the account through the mobile app but the app was having technical difficulties so I called a phone representative instead. The phone representative confirmed with me that I was enrolled in the offer and I received an email on XX/XX/XXXX confirming my enrollment as well. 

On XX/XX/XXXX I deposited {$51000.00} and never let the balance fall below {$50000.00} until XX/XX/XXXX. 

On XX/XX/XXXX I confirmed the timeline that my deposit needed to stay in place with chat representative XXXX. She said the initial deposit needs to be made by XX/XX/XXXX, be held through XX/XX/XXXX, and that I would receive the bonus by XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX I contacted Citi regarding the status of my bonus and they stated that I was not targeted for the offer and therefore I would not be eligible for the bonus. I received a targeted popup in my Citi app prompting me to sign up for the bonus but evidently Citi has no evidence of this on their end. Perhaps the initial phone representative entered an incorrect promo code, but I had no promo code to give him in my targeted offer.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-04-24
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. (TX)

I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written consent to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' i never gave written consent to any of those accounts.
Consumer complaint received 2023-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (CA)

This complaint is in regard to my last complaint XXXX. Based on the company response and the status update which indicated that the company deleted the fraudulent account, after my complaint, I was under the impression that Indigo/Genesis realized their error ( that it was never my account ) and would stop reporting negative/delinquency claims to the credit bureaus! Today on XXXX, XXXX XXXX yet another false report was send, this time to a different collection agency. Once again it was Indigo reporting the same fraudulent account, with the exact same amount of {$680.00} which was supposed to be deleted from my records for good. I had just barely recovered from the last time this institution filed a false report with a collection agency against me. Once I was able to recover, after the credit bureaus investigated and confirmed i was a victim of fraud my credit score improved significantly. Today Im looking at what I could have achieved and my missed opportunities due to the fact that the same company went to a different collection agency and reported the same account that was supposed to be closed because I never had anything to do with it! This company is ruining my life! I was trying to buy a house and I was so close to getting the credit score I needed. This report changed my status from good to fair I was working so hard to boost my credit score! i have every proof that this account if fraudulent. However, the time it will take to dispute and resolve this matter will cost me yet another opportunity to buy a house. All this has cost me over a year of missed opportunities with no end in sight! I never knew Indigo, Genesis or whatever they call them selves existed until they repeatedly filed false claims against me! I want to be very clear! I have never opened an account with this company before nor did I apply for any line of credit with this company and most importantly I would never use this company in the far or near future! 

One important aspect about this resent collection report is that it indicates that l allegedly opened the account in XXXX. However, it shows one late payment in XXXX of XXXX which is this month! How can an account be delinquent in less than 30 days? Another aspect is that the credit institution is Indigo and they are claiming the same amount of {$680.00}
Consumer complaint received 2023-04-23
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, account number 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 an account without my written instructions or consent.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IA)

A little background Information. Wells Fargo had a major outage in XXXX XXXX XXXX. I have been unable to access my online account since that time -- despite Wells Fargo 's claims to the contrary. 

Because I didn't have online access, I didn't have bill pay or statement access -- despite Wells Fargo 's claims to the contrary. 

After trying unsuccessfully to re-establish online access with Wells Fargo, I switched to another bank in XXXX XXXX XXXX 

In XXXX XXXX XXXX, Wells Fargo reported me to the credit bureaus for non-payment on my credit card. That was surprising to me, because I hadn't used the card in over a year. They also never tried to contact me directly -- despite Wells Fargo 's claims to the contrary. 

I immediately disputed the charges with Wells Fargo. In XX/XX/XXXX, Wells Fargo informed me in writing that " fraudulent charges will not post to the account ''. Unfortunately, they never removed the charges. And, they've never explained why they broke this promise. 

I went back and forth many times. Finally getting a full copy of my statements by XX/XX/XXXX. I sent another dispute, detailing the fraudulent charges. Hoping to get some acknowledgement from Wells Fargo. 

I am writing today, specifically because I have never received a formal response to my XXXX XXXX  letter. This is despite many communications with Wells Fargo during that time. It feels like they're just ignoring me now. 

This is a complicated issue. And I'm trying to simplify things here. Just tell me why you never responded to my XX/XX/XXXX letter. Why didn't you refund the fraudulent charges, like you said you would? 

As mentioned, I've been back/forth with Wells Fargo many times. A XXXX XXXX XXXXXXXX dollars and a single customer 's credit report may not mean much to a large bank. But, I'm not going to give up, until they make things right.
Consumer complaint received 2023-04-24
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (TX)

I have contacted my credit card issuer XXXX XXXX, along with the federal trade commission, and PayPal to notify them of a fraudulent transaction that I tried to work out with the merchant XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I purchased a online real estate course that and XXXX  coaching which I was not rendered. After months of reaching out to XXXX XXXX via email and phone I realized that I was scammed. The advertising was misleading all to get my {$2900.00}. XXXX did not return phone calls, meet the standards she set in the invoice nor give me a completed course. I contacted her a final time via email attached below before reaching out to other avenues for help to get a refund from PayPal for {$2900.00}
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I have disputed the XXXX  account with Equifax MULTIPLE TIMES. As has been previously stated, this account was included in my bankruptcy in XX/XX/XXXX( Central Dist of IL Bankruptcy Case No XXXX ) and discharged XX/XX/XXXX as it FAILS TO MEET THE DISCHARGABILITY EXEMPTION CRITERIA set forth in 11 USC 523 ( a ) ( 8 ). Said case was originally filed on XX/XX/2008. As per FCRA guidelines, the reporting time for any debt included in a Chapter XXXX bankruptcy expires 10 years from the original filing date which would have been XX/XX/XXXX.

Notwithstanding this fact, as a result of Equifax 's last " investigation, '' my report now shows this account as " included in bankruptcy. '' This is definitely a step in the right direction considering that in all other investigations Equifax refused to acknowledge that this account WAS IN FACT included in my bankruptcy. However, the issue remains yet unresolved as the account should not be reporting on my credit report AT ALL due to its age.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

I just got a notification that XXXX XXXX reported a collection account on my credit report. I never received any letters from this agency giving me the right to dispute this debt. Under the FDCPA a debt collector has to provide a consumer with a G notice. The right to dispute the alleged debt within 5 days of the initial communication with the consumer. They have violated 15 USC 1692g. I also dispute this alleged debt
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX reporting {$640.00} XX/XX/2023 Debt inaccurate /debt not validated XXXX XXXX XX/XX/2023 {$300.00}. 
Debt not accurate incorrect amounts Debt not accurate XXXXXXXX XXXX XXXX XXXXXX/XX/2023. {$520.00} Incorrect reporting debt not accurate dates inconsistent
Consumer complaint received 2023-04-24
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. (AR)

To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have never 1. XXXX XXXX XXXXAccount # XXXX 2XXXX XXXX  -Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXX XXXXXXXX XXXXAccount # XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXXAccount # XXXX XXXXXXXX XXXXAccount # XXXX XXXXXXXX XXXXAccount # XXXX XXXXXXXX XXXX XXXX-Account # XXXX XXXX XXXXAccount # XXXX 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit.

Thank you for your cooperation
Consumer complaint received 2023-04-24
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. (TX)

The address on the XXXX XXXX XXXX XXXX account does not match the address on my utility bill. Update this account to never late/closed or remove the account completely for failing to follow the Fair Credit Reporting Act.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company contacts me every day. Today on a Sunday they contacted me at XXXX, and every other day this week for about a few months. I asked them numerous times to please stop calling and mail me a letter to the address they have on file with information. This company is portfoliorecovery. They call from numerous different numbers, but majority of them starting with XXXX ( XXXX ) XXXX.
Consumer complaint received 2023-04-23
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. (MI)

There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.
Consumer complaint received 2023-04-21
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2023-04-21
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX  is reporting an old XXXX XXXX account on my file and it needs to be removed. It does not belong to me. Recently, I was mailed a letter from XXXX XXXX that got wet in my mailbox due to heavy rains in my area. It indicated due to the age of this account, it will no longer be reported and it has been removed. XXXX refuses to remove this account.