davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX ****
Consumer complaint received 2018-08-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX, Trans Union and XXXX are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.
Consumer complaint received 2018-08-31
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. (NJ)

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX ****
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, I really appreciate you taking the time to help me get this straight. there are some mistakes on my report that need to be fixed. 

Reinvestigate the completences of every place of information and if its not accurate, please remove it from my credit report. 



THANK YOU
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I paid off my Citi Credit Card in XX/XX/year>. The account was in collections before I paid the card off and citi chose to end their relationship with me which I am completely in agreement with. They removed the account from my online banking the day after the account was settled. So I had no way of accessing the account any more. I considered this matter resolved since the full balance owed was paid. I found out by having my credit report pulled that there was back dated interest in the amount of {$42.00} due which I was happy to pay. Citi did not inform me of the interest due instead they charged me several months of late fees and interest on the late fees. When I called to resolve this matter and inform them of their error I was informed that they would not be waiving the late fees because I had already had fee waivers. I explained to them that this was not me asking them to waive a fee but me informing them that they have a process error. There is no communication that comes from them once the account is removed off online banking and that I was not informed of the interest owed but im happy to pay it minus the late charges. I informed them that this is unethical. They told me they couldn't help me which is a direct violation of Regulation Z.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NJ)

I opened a checking account with M & T Bank via XXXX banking on XX/XX/year>, and a deposit was made on my behalf on XX/XX/year> in excess of {$8200.00} via cash and multiple checks made payable to me. Within a day or XXXX following deposit, M & T called to tell me that I needed to supply a New Jersey state-issued photo ID. I do not have the latter, have no driver 's license, have no car, do XXXX XXXX, am XXXX and housebound. I informed M & T of all this. They told me the account was closed and that I would receive a refund of my XX/XX/year>, deposit via mailed check. 

After waiting XXXX and one-half weeks, I phoned M & T to ask about the refund check. I was told that no check had been mailed and that the account was frozen. I was told that in order to regain my funds I need to present a XXXX XXXX ID in person at a branch. I once again explained my XXXX to them and was told " that's our policy. '' I vigorously remonstrated with this and asked what else I could do to reconcile the problem, but they hung up on me.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year>, I went to the park with my dog at night and did not notice that I dropped my wallet, which contain multiple credit cards to debit cards and my drivers license. On XX/XX/year> I received a message from Wells Fargo bank, asking if I recognize some transactions. I immediately replied I didnt and called Wells Fargo as well as realized that I did not have my wallet in my bag and therefore froze all of my cards and ordered new ones. I spoke with a Wells Fargo representative on XX/XX/year> Disputing the charges and was provided with a claim number. I did not file a police report because I didnt think I had to since my wallet was not stolen it was lost. I also found one of the numbers for the merchants in which a fraudulent purchase was made and I contact them to let them know that I did not authorize that amount gave them the last four digits of my card and gave them my full name, they found the order with all those identifiers and canceled it, and gave me my money back. I dont know if this affected the investigation, but I needed my money to pay my bills. Despite all of this, I recently received a letter from Wells Fargo bank stating based on the information available to us, we found the charges were made by you or someone who had your permission as a result the ( amount ) temporary credit to your account, will be deducted 10 business days from the date of this letter. I called today to dispute these findings.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (SC)

I spoke with CCS onXX/XX/2018 and advised them that the debt was invalid. They claimed that the debt was from {$200.00}. I advised them that I never done any business with there company and to remove the debt from my report. The agents weren't helpful at all about removing the false debt from my report. I did advise them that I would file file a complaint I am a victim of identity theft and I am requesting help with having this false debt removed from my report.

The company name is CCS and is on my XXXX  credit report for {$200.00}. The code on my report is Code # XXXX  and the phone number listed for them is XXXX. Address : Ccs XXXX XXXX XXXX XXXX   MA XXXX
Consumer complaint received 2024-10-30
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. (IA)

I am writing to make a final demand for the immediate deletion of the following inaccurate and invalid accounts appearing on my credit report. These accounts are not only erroneous but are also harming my credit profile. I am requesting your urgent attention to this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-11-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC. (VA)

I recently received a letter from Pinnacle a debt collection agency listing their address as XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is listed as ( XXXX ) XXXX. 

They asserted that I owed a delinquent maintenance obligation to XXXX XXXX XXXX. At first, this name did not ring a bell. After further research, I discovered that my late father, who died in XX/XX/XXXX, who has the same name as me ( XXXX XXXX XXXX XXXX had purchased a one-week timeshare at XXXX XXXX XXXX XXXX XXXX , SC. After he passed away, we set up a trust to manage the affairs of my mother, who moved to Louisiana in XXXX. The trustee attorney, XXXX XXXX of XXXX, Louisiana, handled her legal affairs. XXXX XXXX was not explicitly called out in my fathers probate documents. During the time he owned it, neither he nor my mother ever used it. She did not know that he had purchased a timeshare. 

However, we started receiving notices on whether we wanted to rent out the timeshare, which we responded to affirmatively. However, even after the rental, we received notices that my father owed a maintenance fee of {$100.00} each year, which the trust paid. I was never associated with the property or had it transferred to my name. 

After my mother passed away in XXXX, I asked XXXX XXXX to dispose of the timeshare agreement as part of her probate process. He was not convinced that it had any force, given that it was in my fathers name, and he was deceased. We received no other letters from XXXX XXXX after her probate. XXXX XXXX passed away in XXXX. 

I thought about contacting Pinnacle directly. However, I thought that this might be a scam. I receive many crank phone calls from numbers where I am urged to contact them to Keep my electricity from being turned off, take advantage of a loan offer, or a fake job offer. Although none of these entreaties apply, there is often an element that comes across as truthful. 

In this case, if XXXX had been trying to collect for this long against me, it should have appeared in my credit reports. I ran all three of the major credit agency reports, and nothing came up. When I checked the XXXX XXXX website, it indicated that the facility was closed. 

I will assume that this letter represents a more sophisticated form of letter SCAM and ignore it. However, I thought you might be interested. The scam phone calls on other topics ( often the same message from continuously changing phone numbers ) and emails are increasingly numerous. 

A copy of the letter is attached.
Consumer complaint received 2024-11-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (WA)

I have a variable interest rate student loan financed by XXXX and serviced by Mohela. XXXX doesn't have customer support available for this loan and has advised me to contact Mohela directly to resolve the issue. 

My last payment was on XX/XX/year> in the amount of {$1400.00}. The interest rate at that point was 8.02 %. Since then, interest rates have dropped to 7.66 %, but Mohela has not changed my payment due on XX/XX/year> to reflect the change in interest rate. At this point, My XX/XX/year> payment is still {$1400.00} - Same as XX/XX/year>. 

I have tried to resolve the payment discrepancy by trying to reach Mohela customer service by email and phone call. I have tried to reach a resolution since XX/XX/year>, but Mohela has not taken any corrective measures. As a result, I am being overcharged on my student loans.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-30
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. (IL)

I am filing this complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove an unauthorized inquiry from my credit report. Despite my repeated requests, Equifax has not provided verifiable proof of authorization for an inquiry by XXXX XXXX, dated XX/XX/XXXX. This inquiry lacks a permissible purpose under the FCRA, and Equifax 's refusal to remove it is a violation of federal law.I REPORTED THIS CASE TO THE FTC THROUGH REPORT NUMBER XXXX, DATE XX/XX/XXXX XXXX. Initial Request to Equifax : I requested proof of authorization, such as a signed document, to verify this inquiry. Since no proof of my authorization exists, I requested immediate removal. 
2. Complaint to the CFPB ( Report # XXXX ) : Due to Equifaxs lack of response, I filed a complaint with the CFPB on XX/XX/XXXX. 
3. Equifaxs Response to the CFPB : On XX/XX/XXXX, Equifax responded, stating that inquiries are factual records that must remain on file for XXXX years. However, they failed to provide specific proof of authorization for this inquiry. 
Violations of the FCRA by Equifax : Under the FCRA, unauthorized and unverifiable inquiries must be removed. Specifically : Section 604 ( 15 U.S. Code 1681b ) : Requires a permissible purpose for accessing a consumers report. Equifaxs inability to provide proof of authorization violates this requirement.

Section 611 ( 15 U.S. Code 1681i ) : Mandates the removal of unverifiable information upon dispute, which Equifax has failed to comply with by not validating the inquiry.

Section 609 ( 15 U.S. Code 1681g ( a ) ( 1 ) ) : Requires that a consumer be provided with verifiable proof of authorization upon request, which Equifax has not provided.

Given Equifax 's lack of compliance, I demand either verifiable proof ( a signed contract ) authorizing this inquiry or its immediate deletion. Failure to resolve this matter within 30 days will result in escalation to appropriate legal channels to ensure accuracy in my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-10-27
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

- I am XXXX years old and have a combination of personal and business checking accounts - Have NEVER bounced a check ; NEVER wrote fraudulent checks ; have excellent FICO ( latest is XXXX ) - I created a new C-Corporation on XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. 

- I wanted to open a new business checking account online - I submitted my application and uploaded my passport info ( see attached ) - I then got a email asking for Articles of Incorporation, etc ( which is perfectly fine ) ; these were to be due on or before XXXX/XXXX/XXXX - I have been traveling and was going to submit by XXXX XXXX - I have 2 credit cards over 10 years old with CapitalOne in perfect standing - I received a cryptic email from CapitalOne ( see attached ) " denying '' me the ability to open a business checking account ( NO explanation as to " why '' ). It stated : Weve carefully reviewed your application, as well as individual and business reports from third party sources. Unfortunately, we cant complete your request at this time. '' - I called them and stated your email references " business reports '' What business reports? I just opened the corporation a few days earlier. I also stated I had not had a chance to upload the remaining documents yet as it is not XXXX/XXXX/XXXX yet. They stated that has nothing to do with it. I was denied and they were not going to tell me why. 

- I asked for them to provide me the REASONS why this was denied. They stated they did not have to. I stated per FCRA I have a right to know if what you are viewing is accurate. They said this is a not a line of credit. I stated exactly ... .it 's just a plane old bank account. My credit is stellar and I do not have a track record of business yet transactions yet ... ... so WHAT was the reason for the denial? They refused to share. I stated how can I be sure there is not an error in what you are looking at if I can not verify what you are viewing is accurate. They stated too bad. 

- I feel I am being discriminated against - All I simply want is either the SPECIFIC reason as to why I was denied or a copy of the report ( s ) they used to make their decision, and I can not for the life of me understand what the issue is. I have NEVER had any issues with any banks.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am not able to view my credit report at ALL. I have attached a screenshot of the error I am getting. Everything is blank no accounts, no payment history, or creditors. When I log in on XXXX, I get a message to contact XXXX and give the code BLNK. I did this several times and was told to send in my information to have it lifted. I sent certified mail XXXX  that included my DL, SS card, current electricity bill and a letter stating I wanted the issue fixed. XXXX representative I spoke with stated it was an internal block and once I sent in that information it would be fixed in XXXX business days. It has been over XXXX months and XXXX letters later. Certified mail tracking numbers are : XXXX received XX/XX/XXXX and XXXX received XX/XX/XXXX. I can't get any items from creditors because they only see my name with no credit score when they pull my credit from Equifax. My credit report is blank and hasnt been updated since XXXX OF XXXX!
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ) to seek their assistance in resolving this issue. 

these names have no relation with me at all XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, A please see the below accounts that are fraud XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUTOMOTIVE CREDIT CORPORATION (IL)

Dear, automotive credit corporation I am writing to request validation of the debt you claim I owe. Please provide the following information : 1. Documentation proving the debt is valid and owed by me.

2. Proof of ownership or assignment of the debt.

3. The original contract or agreement.

4. A detailed accounting of the debt, including interest and fees.

5. Verification of your license to collect debts in my state.

Until I receive this information, I dispute the debt and request you cease collection activities. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-21
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

XX/XX/XXXX : found my card is expiring XX/XX/XXXX Called in Netspend call center @ XXXX around XXXX XXXX XXXX - shared my card is expiring XX/XX/XXXX and asked if I could get replacement card with extended expiry. she said she could assist me with this and she would sent replacement card. so left balance of {$340.00} without speending even though I had 1 day to spend them. 
XX/XX/XXXX : received replacement card but with same expiry XX/XX/XXXX called in around XXXX PST explained the situation and got connected to supervisor names " Heel '' he reviewed call log and advised he would raised this up since I was misinformed by Netspend associate and revert shortly XX/XX/XXXX : didn't receive any call or replacement card called in again XXXXXXXX XXXX - customer representative advised that the fund went back to the customer who funded the card. however, when I check with XXXX XXXX XXXXXXXX who funded the card below, didn't get the money back from you. 
so sent email to Netspend Customer service center XX/XX/XXXX Nespend replied on emailed to call back XX/XX/XXXX called back to Netspend : no update XX/XX/XXXX call back to netspend. customer representative advised that the fund has been refunded to the vendor who purchase the fund. 
XX/XX/XXXX checked with the vendor but didn't receive the fund. 
XX/XX/XXXX called back to netspend and notified that once fund expired they couldn't track the fund which means fund is not transfer to vendor.