davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX and XXXX XXXX had several accounts, including an individual for XXXX and 1 joint with XXXX and XXXX, at TD Bank. They were opened at XXXX XXXX XXXX in XXXX  XXXX, NY XXXX. The manager who is aware of the below is XXXX, XXXX. 

On or about XX/XX/2020, XXXX XXXX received notice that his checking account " was hacked '' and that it was closed. No further info was provided. ( All properly written checks were bounced, incurring fees. ) XXXX was instructed to come into the branch and open a new account, which he did. 

Within a week, on or about XX/XX/2020, XXXX XXXX received written notice that the new account, not 7 days old, had funds withdrawn on it in a TD branch XXXX XXXX, Florida. A person, using XXXX XXXX NEW bank account number and SSN, deposited a bad check for {$3000.00} one day, and the next morning withdrew {$2200.00} using a teller check with the new acct numbers and XXXX XXXX SSN. Despite the signature not looking anything like XXXX XXXX ( as noted by XXXX, bank manager in New York ), the funds were paid. That account was closed, and properly written checks were bounced, incurring fees. A 3rd account was opened, this time being password protected. The account has since been charged a low balance fee. 

On XX/XX/2020, XXXX XXXX receives a call at home in New York that another TD account that she never uses, but on which she is joint with XXXX and is used to pay a mortgage, was attempted to be drawn on at a TD branch in XXXX XXXX, Florida. The caller was XXXX, XXXX, the manager. Her teller had recognized the NYS ID presented as fake and not paid. Again, the perpetrator had the bank account number and XXXX XXXX   SSN, in addition to fake ID. XXXX would not provide a copy of the fake ID. She claimed she would be calling the police. XXXX followed up with XXXX to get a copy of the ID and have him get the facts from XXXX, to see how the investigation from the XX/XX/XXXX fraud was proceeding, and to ask when the {$2200.00} would be re-deposited. XXXX advised that an investigator had not even been appointed, two weeks after the SECOND fraud, as " it was only a week and a half ago '' that he filed his paperwork.
Consumer complaint received 2020-01-29
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: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at Capital XXXX opened on XX/XX/XXXX Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX, an auto loan account opened at XXXX opened XXXX XX/XX/XXXX under the account number XXXX, personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX Cred XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, Medical account opened at Synerprise account opened on XX/XX/XXXX account number XXXX, Property Management account XXXX at Management Supp opened on XX/XX/XXXX account number XXXX, and Public Record XXXX XXXX Chapter XXXX Bankruptcy opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX, and Arizona XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NC)

ALERT ALERT FRAUD ADDRESS OFFICIALKY STATED IN WELLS FARGO BANK XXXX XXXX financial crimes investigator for wells Fargo bank Well Fargo bank Customer assistance center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCXXXX FACTS I sent 20 faxes to invalid faxXXXX given to me by XXXX XXXX ( recorded with XXXX paid fax service ) I requested XXXX XXXX to fax her identification and a copy of the XX/XX/2019 dated wells Fargo letter of my identity theft caseXXXX and fraud and forgery case XXXX as per XXXX at wells Fargo. Recorded with wells Fargo. And required forms for my legal records. NO RESPONSE FROM XXXX. PERIOD. 
I refaxed all 20 faxes to wells Fargo bank XXXX XXXX XXXX XXXX XXXX va XXXX XXXX to forward all info to XXXX XXXX AT THAT FRAUD ADDRESS on the WELLS FARGO dated letter attached.. XXXX did not advise me from last weeks communication that the address was not valid. 
I notified XXXX XXXX XXXX # attached screenshot ..at Wells Fargo of the events and to advise me IF there was a XXXX XXXX . No response from XXXX XXXX in this matter. 
So again Wells Fargo bank from my initial in persons reports of fraud activity done in my names reported since XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX .va has not responded appropriately ALL MY PERSONAL INFO WENT TO A WELLS FARGO BANK FRAUD ADDRESS that I was specifically instructed to do so by a wells Fargo bank financial crimes investigator by the name of XXXX XXXX . Letter attached. Mr XXXX phone # attached. 
I called wells Fargo bank again today and spoke to XXXX AT XXXX XXXX XXXX XXXX XXXX va. And XX/XX/XXXX confirmed that the address WAS NOT A VALID WELLS FARGO LOCATION. PERIOD
Consumer complaint received 2020-01-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

For the past several months I have been in constant contact with Experian reporting agency in regards to fraudulent accounts that are being reported on my credit report. On XX/XX/2020 @ XXXX Experian received a dispute letter on my behalf in regards to several accounts listed on my credit report that were from the direct result of identity theft. I was sure to include my full name, date of birth, social security number, and a copy of drivers license along with my dispute to prevent any identity issues. I recently received a letter from Experian stating that were unable to honor my request because I wasn't able to provide sufficient identification information for them to identify my identity. I find this automated response totally unacceptable and feel this is being used as a stall tactic since I provided more than one piece of several identifying information. It makes no sense for Experian to SEND ME a letter saying they need more information to Identify me. Experian has violated my consumer rights under the Fair Credit Reporting Act section 605b, & section 609.
Consumer complaint received 2020-01-29
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: Experian Information Solutions Inc. (TX)

XXXX and Experian are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-30
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. (GA)

I never received the phone from XXXX so this account was never activated. I report it few times to them and advised to claim to carrier for lost the package and forward the claim information to XXXX so they can close the account without impact my credit. 
I even received the ticket number from XXXX after I talked to few supervisor. 
However I found that they report to Experian as I still owe them the money for the phone that I never received. 
Here is detail on my Experian credit report. 

XXXX XXXX Account Name XXXX Account Number Cell Phone Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$3000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$3000.00} Original Balance {$3000.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$3000.00} Balance Updated XX/XX/XXXX
Consumer complaint received 2020-01-30
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. (NC)

There is a XXXX  XXXX XXXX XXXX XXXX loan showing on my credit report it does show a XXXX  balance but shows as a collection charge off account paid after dispute this information is not true the account was never late and paid off with XXXX balance I have disputed however credit bureau responds as verified but doesnt update payment history or status
Consumer complaint received 2020-01-29
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: EQUIFAX, INC. (NY)

I submitted a validation letter to XXXX XXXX XXXX XXXX, I also sent a dispute challenge letter to both Equifax and XXXX  back in XXXX of 2019. In reference to account XXXX XXXXXXXX XXXX   XXXX  : I recently received an updated letter from both companies Equifax & XXXX  stating that the account has been verified. I have yet to receive a response from XXXX XXXX XXXX XXXX. If the furnisher has not responded to my validation request. How can Equifax and XXXX  verify this account?? This is a violation.
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST INTERSTATE BANCSYSTEM, INC. ()

I am a property investor with several properties in both Idaho and XXXX  XXXX as well as XXXX. When I was in the US in  XX/XX/2019 I was encouraged to open an account with First Interstate Bank in XXXX Idaho. At the time I signed all the forms and provided all the identification that they required. They did not indicate that would be any problem with me being an XXXX resident when I met with the representatives of the bank, XXXX XXXX. On returning to XXXX, they informed me that even after providing additional information to them and signing another form for the second time, they informed me that they were going to close my account. I wish to lodge a complaint against this bank for misleading statements and incompetence as it became apparent that they never should have offered me an account or opened one for me. This wasted a significant amount of time and I would like this matter to be investigated. I have discussed this matter with the local branch manager XXXX XXXX requested some form of compensation but they refused to do this. Please call me if you have any queries.
Consumer complaint received 2020-01-29
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: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX Dear Equifax While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. ( XXXX XXXX XXXX XXXX, XXXX ) XXXX. ( XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OR)

Bait and switch practices With PayPal credit card through Synchrony bank. 
I opened a new account in XX/XX/2019 and have found NOTHING BUT DECEPTIVE practices with this credit card through Synchrony Bank. First off they are holding my paid in full payment that was electronically transmitted from my checking account. I was told this hold by Synchrony bank is because it is a new account. Interestingly I've already made 2 prior payments that were not placed on hold. So this larger payment hold will place an interest fee on my account. I've talked to 4 different account reps and they all gave a different rationale as to this 3rd payment hold. I used PAYPAL CREDIT CARD thinking it is part of PayPal. It is not. What they do may be legal, but it is exceptionally deceptive and you will find that there is no resolution through their employees.
Consumer complaint received 2024-10-24
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. (CA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
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 — Account status incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the newly established policy of the President of the United States, to wit : The debt of these XXXX veterans will be completely erased,, I hereby respectfully request that XXXX and Equifax erase are references to any and all debts owed to The United States Department of Education, XXXX XXXX, or their assignees/agents.
Consumer complaint received 2024-10-31
Product: Credit reporting 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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-01-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

XXXX  XXXX is accusing me of owing XXXX XXXX  {$710.00}, {$720.00}, then {$720.00} dollars. I have asked them to please stop calling me. They have been calling everyday 2 and 3 times a day. First when they started calling me back in XX/XX/2019, they said I owed this money and that I better pay it. At that time, I told them I do not owe any money and that XXXX  XXXX  is fraudulently making up these charges, in retaliation to me, since I moved out. I asked them at that time to please stop calling me. During the time they were calling, I was going through a death of my uncle, and him  XXXX of XXXX. XXXX XXXX still hasn't stop as of to date, and they are calling me 2 and 3 times a day ... not even saying anything. The phone stays quite for a minute and then they hang up on me. So basically they are calling and hanging up. I would like this to please stop as it is affecting my health, which is already not in a good place right now. Please ask them to stop calling me as this is now harassment.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LoanCare, LLC (TX)

XX/XX/XXXX I mailed letters to several companys and havent seen any change it has also been pass 30 days and should be removed from my credit report Im very unset with the reporting.
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (AL)

Original debt was with XXXX XXXX  ; subsequently, turned over to Allied Interstate LLC, a collection company. I closed my XXXX account, I requested and paid the remaining amount due over the telephone, and sent my equipment back as contractually required. XXXX  continued to bill me after all equipment had been sent back to them. XXXX  has recorded calls concerning this issue.
Consumer complaint received 2020-03-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

I have called Nationstar multiple times to request an update to my escrow as my property taxes are {$0.00} for XXXX. As of XX/XX/XXXX, they published a statement requesting an increase to the escrow because of an increase in insurance premiums. I was told it would only take 10 days to complete the update when I called in XXXX. I did not see an update by mid-XXXX so I called again. I called a third time on XX/XX/XXXX and was promised a call back on XX/XX/XXXX to confirm the update had been made. I did not receive a call so I made another call on XX/XX/XXXX. 

As of XX/XX/XXXX, the representative told me the update would take effect in 24-48 hours.