davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am submitting this complaint against Equifax Regarding Inaccuracies In My Personal Information As Reported In My Credit Report. 


Details Of The Dispute : 1. Incorrect Name : My Current Legal Name Is XXXX XXXX, But It Is Incorrectly Listed As XXXX XXXX, XXXX XXXX XXXX XXXX On My Credit Report. I Request That My Name Be Updated To Reflect The Correct Information. 

2. Outdated Address : My Current Residential Address Is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Oh XXXX, While My Credit Report Shows An Outdated Address XXXX XXXX XXXX XXXX XXXX, Fl XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Oh XXXX. C ) XXXX XXXX XXXX XXXX XXXX, oh XXXX. D ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX, fl XXXX. XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, fl XXXX. I Request That My Current Address Be Updated Accordingly. 


3. Employer : My Current Employer Is XXXX XXXX XXXX, But It Is Listed Incorrectly On My Credit Report As Employed. I Request That Employer Be Updated To Reflect The Correct Information. 

Supporting Documentation : I Have Enclosed Copies Of Supporting Documents To Verify The Accurate Information Provided Above, Including : A Copy Of My Driver 's License Or Passport Displaying My Correct Name. 
A Recent Utility Bill Or Bank Statement Showing My Current Address And Current Employer.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NH)

I wrote a check on XX/XX/XXXX in the amount of XXXX XXXX ( {$2000.00} ) dollars. I was helping someone pay their relative for a car. The debt was settled another way, and my check was never cashed but, unbeknownst to me, the person apparently held onto it. This person and I no longer speak, but just a few days ago the check was submitted via a mobile banking app deposit and my account was hit with the check that was dated over two years ago. The bank that accepted the mobile deposit even told me when I asked about this in person today ( XX/XX/XXXX ) that it should not have cleared because it had been more than six months since the check was written. However, once they found out I was not a customer at their bank, they told me there was nothing they could do, and refused to help me or look into it. Because they cleared this check that was over two years old, my entire checking account and most of my savings account was wiped out without warning. I have a digital copy of the dated check, and a copy of the back of the check showing a deposit date of just a few days ago. This should not have even passed through the bank due to how old it was and now I am out XXXX.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (CA)

I have recently noticed upon running my credit to purchase a home for the first time that I have a 30 day late payment associated with my credit card account with XXXX XXXX XXXX XXXX. this was back in XX/XX/2018. What happened was months before that I have been paying my balances manually online, and in XXXX had decided to use their App auto-pay on my XXXX for convenience purpose since its how I pay my other cards anyways. The transition to auto-pay was not as smooth as it did not take my payment for that month and it is understandable since the app did not have my correct statement ending balance so it will not take my payment. I had called XXXX customer services regarding this matter during XX/XX/2018 and it was a recorded call. In that conversation, I had told them what had happened and the reason why the payment was late. The customer representative at that time apologized for the inconvenience and had waived the late fee I had incurred. My payments were never late before and after this occurrence with any account I have under my name unless there was an error. 

I contacted XXXX XXXX XXXX XXXX and had asked them why they reported my payment being late for 30 days. I had thought that they would not report this matter because it was a system error on their end that resulted in my payment not being processed on time. I had explained to the agent what the conversation was during that time and what our resolution was but the customer representative had told me that she can not do anything but will tell her supervisor regarding the matter, I had closed my account with them because of this upsetting situation I have been a responsible account holder for years and was misled to believe that they had fixed and acknowledged that it was a system error but reported me to the credit bureau anyways.
Consumer complaint received 2020-04-23
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. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the equifax data breach & i have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX Report Number XXXX XXXX File Number:XXXX Equifax File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX 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 XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (IA)

I had spoke to XXXX on XX/XX/XXXX regarding overdraft protection fees. Wells Fargo had transferred {$25.00} from my checking account to my savings account the same exact day that I had two XXXX transactions pull from my account. I was told from XXXX that she was going to take care of both {$12.00} fees and that I wouldn't have to call back. I was also told that same day from the person before her that I will have {$27.00} in my savings account. Since then, I now have an overdraft protection fee - {$12.00}, state sales tax - {$0.00}, and an overdraft fee - {$35.00} attached to my account. A representative had asked me if I wanted the bank to decline any future transactions and I had told them yes. I now have 2 new  transactions that are pending which will also have overdraft fees attached in the future - {$35.00} x 2. I was transferred to an " executive '' department and was issued a case number : XXXX on XX/XX/XXXX. I was told a case manager would be assessed to my case within two business days. We're now on the third business day and still haven't heard from anybody. I spoke to someone this morning, XX/XX/XXXX, and was advised that it only takes two business days, but then that statement was retracted. He also advised that I blamed the bank with the word " illegally '' in my statement, which is untrue.
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security number had already been filed. Please remove these unknown accounts from my reports as soon as possible. 

BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2019-05-21
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the UNAUTHORIZED INQUIRIES listed below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am filing this complaint against TransUnion for failing to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). This provision requires consumer reporting agencies to permanently delete any adverse information on a credit report that resulted from being a victim of human trafficking. 

Under FCRA 605C, upon receiving appropriate documentation substantiating my status as a victim of human trafficking, TransUnion is obligated to : Permanently delete all adverse information linked to this trafficking from my credit file. 
Ensure this information is not reinserted or accessible in any way within the report. 
Despite my submission of the necessary documentation, TransUnion has failed to comply with this legal mandate, resulting in ongoing harm and financial difficulties. I request immediate action to permanently delete all applicable adverse information from my credit report in accordance with the law.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Monday XX/XX/2020 I opened a Bank of America advantage checking account. By Thursday of that week, only 3 days later, I was unable to login to my online banking with a notice that said " online banking is unavailable to you at this time ''. The only email I received that day was a notification that my new ATM card was on it's way. I called XXXX to see why I couldn't access my account online and was told I needed to take 2 forms of ID into a branch and have them call so I did that right away. That's when I was informed that my acct was closed and the ATM card was cancelled. They will not tell me how or when I can get my {$650.00} balance. My payroll direct deposit was accepted after the acct was closed and they won't give me my {$650.00}. account closing balance. They have not informed me at all whatsoever in writing that my account has been closed. I only found out because I have no access to my account or my money and I went into the branch to find out. My family needs this money to live and to buy groceries. This is a hardship for my family and I need answers and I need my money a.s.a.p When I googled about my situation, i found numerous other complaints exactly like mine so I decided to call my local branch in my city and get more info. I was told this is very common and can take up to 3 weeks to receive my closing balance. How is this even legal? That's MY money! Other people have reported waiting up to 5 months to get their money back from Bank of America. Another person said it took her 86 days to get her closing balance from Bank of America. Please investigate this. My family is in a desperate hardship because of this. I'm at a loss at this point, literally, and don't know how else to proceed.
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. (WI)

Today, I found unauthorized inquiries on my credit report and I dont understand how they got there. I reviewed my credit report like always, but for some reason, there were discrepancies that hadnt been there before. I tried refreshing my browser, hoping it was just a temporary issue, but the inquiries are still there. I am incredibly frustrated and need you to carefully check the documents I've provided so this can be resolved immediately.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have recently reviewed a copy of my credit report and noticed that there is an account that I did not open or authorize anyone to open up on my behalf. There are also Hard inquires that I did not do or authorize anyone to do on my behalf. These accounts and inquires are hurting my ability to obtain credit.

Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$350000.00} 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
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

XX/XX/XXXX RE : Erroneous Reporting Please Delete To Whom it May Concern, I am in the process of purchasing a home and I am requesting that you delete or correct the reporting on the listed account below ASAP as it is holding up our home purchase. 

This account should have not gone to collections as the original creditor ( XXXX ) was unable to provide service at my new location and I paid every bill on time every single month for the 5 years I was a client. This account was removed from my credit last year when it was with XXXX  because XXXX was unable to verify the validity of this debt. 

They continue to attempt to fraudulently claim that I owe them money which is why I am initiating a consumer complaint with the CFPB. 

Your urgent attention this matter is requested as it is holding up my purchase. 

Southwest Credit System XXXX Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (OH)

On XXXX19 phoned RMP LLC to pay off my medical debt upon talking with representative I was offered a 20 % discount because they were medical debt which I agreed & paid XXXX was given confirmation number XXXX all of the debt was removed dropping my score by 50 points at which time the 20 % of three of  them was put back on my report phoned RMP llc on XXXX19 was told needed to forward to her manager phoned for update on XXXX19 was told account is at XXXX when new update came through they were still on my credit report phoned RMP llc spoke to manger XXXX XXXX at which time I was told we only report once a month on 20 so its now XXXX19 & those 3 still remain on XX/XX/XXXX report they are off the other 2 agencys report also spoke to XX/XX/XXXX & was told had to deal with RMP llc for removal I feel as though Im getting the run around between RMP llc & XXXX XXXX
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted XXXX, XXXX  and TransUnion on several occasion throughout the year regarding my credit report not reflecting accurate information. They never did a proper investigation and still information is showing up. I am a victim of identity theft and I have told them that following information being reported is not accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them and these were opened fraudulently. XXXX  XXXX is showing balance of XXXX, XXXX XXXX XXXX and XXXX XXXX has no information. I need XXXX  XXXX  and TransUnion fix my credit and report accurate information this has caused me loosing my job and not being able to find a new one.
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Global Financial Services Group (SC)

On XX/XX/2020 I found out from the SCDOR  that about {$500.00} was seized from my taxes for medical debt. I did not receive any notification written or verbal that my medical debt was sold to this company. The employee over the phone told me that they had my address wrong, and that my phone blocks Robo Calls ( which is a service I very recently activated ). I was never made aware of this company, or that any money was owed to them and it should not have been taken from my tax return with any knowledge. Ive been making multiple monthly payments on my medical bills, and did not have any notification of a portion going to this company.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Upon returning from a work trip to Florida, I noticed my card balance was much higher than anticipated. I immediately contacted capital one to notify them of the unauthorized charges and I was told they would submit the claim. In a matter of days I received a letter in the mail stating nothing more than we've determined you or someone you know benefited from the card. I contacted the company again when I was getting ready to make my payment since I would be making a payment for the balance less the unauthorized charges. I spoke to a Fraud dispute manager by the name of XXXX ( XXXX ). While speaking with XXXX I was placed on hold for roughly 45 minutes while she attempted to contact the adjuster who handled my issue. She was unsuccessful in getting in touch with them so I asked how the determination was made to confirm the charges were authorized. She explained that they confirmed the card was present on all but 1 of the 7 charges. I asked how they could possibly confirm that my card was present at the time of the purchase to which she stated our system just knows. I asked if there was any other proof confirming that without a doubt the card utilized was in fact the card I had in my possession. She stated there was nothing further she could provide but would have someone contact me back within 24-48 hours. I requested she place the charges into a dispute status as the charges are still being disputed by me to which she stated she could not do that. 

I am able to confirm my whereabouts during the times these transactions were completed which I explained to her but she did not acknowledge that statement. 

These charges are unauthorized and I do not believe a reasonable investigation was completed on my dispute as I am 100 % sure I did not complete these transactions and I do not believe capital one has proven otherwise. I requested any details surrounding their decision but was told I would be receiving nothing further than the letter stating I was responsible for the charges. 

I would appreciate some assistance with gaining access to the details of their investigation so that I may determine my next steps. 

I have no issues paying for the transactions I completed but I do have an issue with this company attempting to take advantage of the working class to continue lining their pockets.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hi, I have been trying to get this issue resolved with XXXX XXXX, however they keep on reporting that I have a credit card with them with the balance of {$14000.00}. I have contacted them on multiple occasion advising this is not mine and I'm a victim of identity theft, however they are not doing anything. I have provided them with police report and still nothing has been happening. This has caused me loosing a job and not being able to find a new one. I really need help getting this removed from my credit, as this belongs to someone else. I have frozen my credit and there are several alerts on the report. Additionally there is another company that's keep showing up on my credit report XXXX XXXX, this is also not mine and I have contacted them on multiple occasion but nothing is being done. Also XXXX XXXX is not mine however it seems like they are not willing to address the fact that I am a victim of identity theft. 

thank you
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

I C System XXXX XXXX XXXX XXXX XXXX, MN XXXX Tell XXXX XXXX XXXX I have seen this report agency has report showing {$2400.00} which is I didnt aware off and never been use. When I call in is show the address service that Ive never been stay there. I request them to removed ASAP cuz Ive never been use or order their service to that address they told me
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

My name on my credit report is XXXX XXXX XXXX Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EXPERIAN REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, XXXX, AND EXPERIAN REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, XXXX BREACHES, AND ALSO EXPERIAN. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Collections Date Opened XX/XX/XXXX Balance {$490.00} Account Number XXXX XXXX XXXX {$150.00} Date Opened XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$13.00}