davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-05
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. (FL)

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items in Identity Theft must be deleted : The listed items are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX, # XXXX, CA XXXX TransUnion charged me XXXX for an membership that isn't advertised, it just asks you for a credit card number tricking you into thinking it's for the credit check but it's actually for their membership
Consumer complaint received 2020-09-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

Complaints against Equifax 1. I have reported address removal from my credit report twice, and been told corrected XX/XX/XXXX and XX/XX/XXXX. I filed third dispute request today. 
2. I was part of the XXXX Equifax breach with claims up to {$20000.00}. I have field and under review for damages to credit, changes in mortgage needed, attorney fees, etc. Of course that breach is tied up in legalities for undetermined amount of time. My score reported to banks and lenders was artificially low in XX/XX/XXXX ( and for undetermined amount of time prior to that ) causing severe consequences to my financial well being. 
3. It appears that I have been part of a second breach, and Equifax has not responded or given recommended course of action. On XX/XX/XXXX, credit companies and Equifaxs website show a sudden drop in my credit score of 32 points without explanation. I spoke with Equifax on XX/XX/XXXX and they are unable to see the score change in their system. They have no explanation for my actual score they have on record and the score that is reported publicly to banks and lenders. They also have not provided any direction for correction. 
a. Note XX/XX/XXXX, I began dialogue with the Cyber Crimes Division at the XXXX XXXX office to look into extremely comprised accounts with XXXX and XXXX that have potentially and likely affected bank accounts, telecommunications with XXXX and XXXX Link, business and personal information, social media/false dating profiles, etc. Both XXXX and XXXX put in writing that I need their assistance to correct. An agent in the XXXX XXXX office has agreed to look into. 
b. FBI and Secret Service both directed me to the FTC to resolve the Equifax issue, and they directed me to you. 
c. If reflected credit in public/banking systems is artificial and inaccurate, I would look into third party reporting agencies, such as XXXX XXXX in XXXX, CO.
Consumer complaint received 2020-09-07
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: Experian Information Solutions Inc. (NY)

I am uploading a letter from the bank stating that the 4 personal loans I had with them will be reporting back on my credit reports. These loans were paid and satisfied and in good standing. They were removed off my credit reports which dropped my score significantly and was denied credit from another lender. Experian and XXXX  said they would notify me when the 4 accounts would be put back on my reports. I still have not been notified and there still not reporting
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

i have a bank account in Wells Fargo. So i ordered my new ATM card since my old ATM wasn't working. i was told to wait for 10 days, and on the XXXX day on XXXX of XX/XX/2020 i got this message of unusual activities on my account, Apparently the new card wells fargo sent me I NEVER GOT IT, i called them directly and told them everything, they deactivated my account but till that point there were 2 authorized and 2 unauthorized transactions. so i was told they will take care of everything but after six seven days i got this mail that my claim has been withdrawn on my request, which i never did. I called them again and asked them why would they withdraw my complaint when i was not the one to do that. they did not try to answer my question instead they reopen it and now after 10 days they are telling me that they don't see any fraud in it, means they are not giving me back my {$820.00} and {$300.00} two authorized  transactions. instead what they are suggesting me now is to talk to the merchant directly and see if they solve my problem. i don't see a reason why i should do that when i never received a card and transaction made on XXXX of XXXX wasn't mine.
Consumer complaint received 2015-09-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NM)

HRRG called me approximately 6 or 7 weeks ago to collect a debt that I apparently owed to XXXX XXXX XXXX in XXXX of 2015. When I called XXXX they stated that they do not work with HRRG as a debt collection agency and that I did not owe them any money. I called HRRG back and requested that they mail me a bill so that I can see the original creditor because the lady on the phone told me that she can not give that information out. After I gave her my address she stated that she would have to note on my account that I refused to pay at that time. After receiving the bill via U.S. mail, I called them because there is still not enough information regarding who I owe and once more I was told that client information is private, and I told her that I would not be able to pay it unless I knew who I was paying. She got an attitude and firmly told me that it was only {$29.00} and that I am required to pay it. Once more I asked who I owed and she stated that it was just a physician, but she could not tell me who. Then she threatened to send it to my credit and hung up the phone.
Consumer complaint received 2020-09-04
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. (CT)

I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending upon XXXX XXXX and XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX
Consumer complaint received 2020-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IN)

Requested a validation investigation from LVNV Funding. XXXX XXXX XXXX responded ( XX/XX/2020 ) that they handle account for LVNV Funding. Requested a validation from XXXX XXXX XXXX ( XX/XX/2020 ) and they have not responded or validated the account. A 2nd Letter was sent ( XX/XX/2020 ) and there was still no response. They are reporting to the credit bureau and responding to the credit credit bureaus request but not responding to me.
Consumer complaint received 2020-01-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (HI)

I previously opened a complaint with this company with your office. They stated in their response that the debt had never been deleted, and that they had a statement with the original creditor and balance. 

When they sent me the requested documentation, I found that the " statement '' was nothing more than some unidentified screenshot with no information. 

They also lied on their response saying that account ending in XXXX had never been deleted. Id had indeed been deleted previously, and I am submitting documentation.
Consumer complaint received 2020-09-04
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. (AL)

At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in XXXX  asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since XXXX. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.
Consumer complaint received 2024-10-22
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)

XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, sold away it's right to collect payment from me and service any account I had with them but they are still reporting an account on my consumer reports showing I still owe them money. This is fraud! Attached is proof my contracts/agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and eventually deposited and securitized within a XXXX. Therefore, XXXX XXXX does not have a legal right to collect payment from me nor have an account in my name unless it is an account representing an amount THEY OWE ME. This is extortion according to 18 USC 892 since my reputation was harmed and they attempted to steal the vehicle by which they no longer had a legal claim to. Also, with the attached proof, the XXXX  and tax office removed XXXX XXXX as a lienholder on the vehicle title, therefore, there should not be any existing amount owed to XXXX XXXX.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

Placed permanent freeze in 2017 ( had problems with that not sure I ever got pin ). Tried to permanently remove online today but couldn't. Said it would take me to a screen to verify identity, but it didn't. Took me to a form to mail in a bunch of info. including DL and SSN. Don't have time for snail mail and dont want to send that info through the inherently unsecure mail. Anyone along the official path would have access to all the info necessary to steal my identity - name, DOB, address, physical description, including photograph, SSN, and DL number! And, thats if it didnt get lost, delivered to the wrong person, or stolen from a mailbox.
Consumer complaint received 2020-09-04
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: TRUIST FINANCIAL CORPORATION (FL)

Received statement XXXX with a charge made XXXX XX/XX/2020, {$110.00}, @ XXXX XXXX  XXXX XXXX  XXXX GA, I have made no such charge, ( I haven't been 30 miles from home since XXXX, COVID ) I called, they " investigated '' said the charge was valid, it is NOT. I again attempted a resolution ( with assistance from local branch manager ) but ran into " circular logic '', can't rebut because the " investigation result '', which is the very thing I rebut. CASE # XXXX XXXX
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Issue : My mortgage with TD Bank was under COVID forbearance from XX/XX/XXXX, to XX/XX/XXXX, but charged late fees and reported to credit bureaus as late payments during the forbearance months. 

Facts : -Approved on XX/XX/XXXX to enter Forbearance for 3 months ( XX/XX/XXXX to XX/XX/XXXX ) -Called XX/XX/XXXX to get taken off forbearance as I was setting up a payment to settle deferred amounts from XXXX - XXXX -Made payment for the deferred amounts under forbearance on XX/XX/XXXX -Late fees charged for the 3 months in forbearance in early XX/XX/XXXX and reported to credit agencies as late even though under the CARES ACT, deferred payments made under the forbearance agreement can not be reported as late and affect credit Remediation taken with TD Bank : -Called Loss Mitigation Department ( XXXX XXXX ) on XXXXand spoke to XXXX and requested her to remove late fees and update credit information that the mortgage was not late -On XX/XX/XXXX received notice that credit score was impacted - TD bank reported to credit bureaus XXXX was late -On XX/XX/XXXX : 1 )  Called Loss Mitigation Department again ( XXXX ) to request removal of late payment remarks and removal of fees, but directed to the loan servicing department ( XXXX ) to remove fees and to submit this form to address credit report mistakes. 
2 ) Sent by USPS certified mail to TD Bank to address late fees and remove late payment remarks to credit agencies. 
3 ) Called loan servicing department ( XXXX ) and she submitted to payment research team to remove late fees and rescind negative late payment marks on credit bureaus -As of XX/XX/XXXX, TD bank removed late fees, but credit agencies have not been updated to remove late payment remarks on the account.
Consumer complaint received 2020-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX XXXX/XXXX Account Number : XXXX Delete this account IMMEDIATELY! 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX  Account Number : XXXX Delete this! 
3. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account for reporting inaccurate information. 

FOR XXXX  1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX XXXX Account Number : XXXX Delete this account IMMEDIATELY! 
2. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. Why are the dates of last activity for this account do not match on my XXXX   Transunion and XXXX  reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT. 

FOR TransUnion 1. How was this particular account got validated? I reached out to the collection company to legally verify this account but I never heard back from them. 
XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report if you are unable to supply me verifiable proof. 
2. Why are the dates of last activity for this account do not match on my XXXX   Transunion and XXXX  reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT
Consumer complaint received 2020-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company did not follow proper fair credit practices in reinserting inquiries on my credit report. Law states that companies supposed to inform consumer within a 5 day window before doing so and the 5 day grace period wasn't enforced. I was a victim of Transunions inquiry issue. Reached out to them and they were noncompliant to the issue at hand and the law so i am requesting the deletion of these credit inquiries XXXX   XXXX XXXX and XXXX  XXXX XXXX, and XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (CA)

XXXX  does not have a credit score for me which is hindering my credit utilization it's getting really difficult with all three credit places that I don't have a credit score yet
Consumer complaint received 2020-09-04
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 (CO)

I close my credit card with Wells Fargo on XX/XX/XXXX with a customer care agent on the phone at that time I was told I had a XXXX balance but a credit pending of {$30.00} she said she would send me a check after the The credit posted to my account which is now closed so they sent me a check. Approximately three weeks later they sent me a letter asking me to cash the check as I have not cashed it yet then approximately XX/XX/XXXX, I received a bill from Wells Fargo for a approx. {$81.00}. I called right away to find out what the charges were for I was told that the merchant issued a credit to my account for the {$30.00} so XXXX was attempting to re-collect the {$30.00} check they sent to me and doing so they try to re-collect it from a closed savings account I once had since the account was closed there was a {$25.00} bounce check fee that Wells Fargo assessed to me. Since a couple of months have passed I was also then hit with a late fee I didnt even know these charges were out there I called to dispute this in the meantime my credit was dinged now Im being told that I still owe Wells Fargo a total of {$71.00}. I do not understand what the {$71.00} is for I paied {$25.00} in XXXX On that bill I did not think I would owe to prevent any further late fees while this is getting resolved its not getting resolved they can not tell me why I owe {$71.00} which is 25+ an  outstanding XXXX, I have two primary questions one if there was a credit from the merchant issued to my account was it prior to closing up my account in which case Wells Fargo failed is noticed that while I was on the phone with them that credit had been posted from the merchant if the credit was given to me after my card closed where is it I have not received {$30.00} from the merchant. I also have a charge for {$30.00} on my statement for XX/XX/XXXX and the same amount for {$30.00} for XX/XX/XXXX? Id like an explanation, I feel Wells Fargo is negligent and not noticing that they not only sent me a check but then another letter asking me to cash a check and then to go back to a closed savings account to try to recover that payment without notifying me and then hitting me with bounced check fees late fees and dinging my credit is just outlandish
Consumer complaint received 2020-09-08
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)

On XX/XX/2020, I check my Credit Karma and I seen that XXXX/XXXX ( Complete Dept.stores ) is currently reporting on my credit report. I have no affiliation with that company and I didn't sign up for anything with that company. This is fraud and I recommend that you close that account immediately. XXXX/XXXX  reach back out to me and said that they're no account that below me that's current in their system. Which that this information is reporting inaccurately and needs to be remove. You can reach me at XXXX if you have any question or need any help with anything.