davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX XXXX I deposited a check for {$3300.00} from a multi-million dollar logging company. The Bank of America put a 10 day hold on my deposit. I immediately called customer service asking them to release the hold. The lady told me she would forward my information to the department that handles holds and the funds would be released in XXXX hours. After XXXX hours ( XX/XX/XXXX ) and the funds were not released, I called customer service again. This lady said I had no notes on my account and she would send the request again with money releasing in XXXX hours. Another XXXX hours goes by, I called again on XX/XX/2024. This time customer service transferred me to the Claims and fraud department. I talked to a man that told me he would send in hardship form to have funds released. Well yet again, funds were still not released. I called the claims and fraud department again and asked for a supervisor. Her name was XXXX. She told me no notes were noted on my account. She told me she would put a request in for funds to be released.I told her if funds were not released by XX/XX/XXXX, I would ask the company I received the check from to stop payment and issue me another check to be deposited into another bank. Because of this my credit card is now overdue which will affect my credit score. My bills are not able to be paid on time. I have given them several days to resolve the issue so my family would not be in financial hardship. This is not okay to hold hard earned money away from their customers that have been with their company for XXXX  years.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

THE FOLLOWING ACCOUNT WAS NOT AUTHORIZED BY ME. THE COMPANY IS UNABLE TO PROVIDE ME PROOF OF MY AUTHORIZATION. THIS ACCOUNT WAS OPENED FRADULENTLY WITHOUT MY KNOWLEDGE OR PERMISSION. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS THE FTC. PLEASE FOLLOW THE LAW AND REMOVE THE FOLLOWING ITEMS. 
XXXX : XXXX : {$3200.00}
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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. (NJ)

XXXX XXXX VICTIM DISPUTE LETTER I had submitted a dispute regarding my credit report however, you guys forgot to remove the following account from the report. 

Everything else was removed luckily and i'm so thankful for your support during this tough recovery time. 

ACCOUNTS FRAUD DUE TO XXXXXXXX XXXX THAT YOU DID NOT REMOVE : XXXX XXXX XX/XX/year> ALSO, I NEVER LIVED ON XXXX XXXX IN XXXX NJ. THE XXXX WERE ARRESTED THERE! 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act as a result of XXXX XXXX XXXX XXXX XXXX Debt Final Rule. 
Please send me notification of the actions taken. 
I appreciate you for helping survivors like me get justice for what has happened. Thank you so much for your help with this matter Sincerely, XXXX XXXX
Consumer complaint received 2018-11-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Seterus, Inc. (OH)

XXXX has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XXXX servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. XXXX waited for one full year before contacting me about the loan even though I sent a CFPB complaint to XXXX within weeks of the transfer notice.
Consumer complaint received 2023-08-01
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. (MD)

Dispute and Request for Thorough Investigation - XXXX XXXX XXXX and XXXX XXXX  Dear Experian Dispute Department, I am writing this letter to formally dispute the inclusion of two accounts, " XXXX XXXX XXXX  '' and " XXXX XXXX, '' on my credit report. It is crucial to clarify that the " XXXX XXXX XXXX '' account has been cancelled, and I no longer have any financial responsibility associated with it. 

Additionally, I want to highlight that the reporting of " XXXX XXXX '' has inaccuracies in its payment history, which is filled with numerous " ND '' ( no data ) entries and years of missing positive payment history. These discrepancies adversely affect my credit report and creditworthiness. 

The " XXXX XXXX XXXX '' account has been properly cancelled, and I do not hold any responsibility for it anymore. Therefore, it should not be included in my credit report as an active debt. 

As for the " XXXX XXXX '' account, the payment history reported is invalid due to the presence of multiple " ND '' entries and the omission of several years of positive payment history. This inaccurately portrays my creditworthiness and financial responsibility. 

I have attached relevant documentation to support my dispute, and I request that Experian conducts a thorough investigation into both accounts. It is essential to rectify any inaccuracies and ensure fair and accurate credit reporting. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I expect Experian to conduct a timely and comprehensive investigation into the disputed information. 

To comply with FCRA Section 611 ( a ) ( 2 ), I request Experian to mark both " XXXX XXXX XXXX  '' and " XXXX XXXX '' accounts as " In Dispute '' during the investigation process. 

I anticipate a written response from Experian once the investigation is complete. If the reported information is found to be inaccurate, I request the immediate removal or correction of both accounts from my credit report. 

Please ensure that any updates to my credit report are made within the timeframe specified by FCRA Section 611 ( a ) ( 1 ) ( B ). 

Feel free to contact me at XXXX for any further information or clarification required. 

Thank you for your attention to this dispute, and I trust that Experian will handle this matter diligently and rectify the reported inaccuracies promptly. 

Sincerely, XXXX Enclosures : - Evidence of " ND '' entries and missing positive payment history for " XXXX XXXX '' account
Consumer complaint received 2022-06-19
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. (PA)

This medical debt collection was deleted then allow to be reinserted on my credit file again. This is not my medical debt i never received proper notice of reinsertion of this debt or any other updated information. I have disputed written in and informed both credit bureaus and collector this is not my debt my information fraudulent used. I file multiple reports.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-09-27
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

5 Charges were made on my card XX/XX/XXXX for game credits I purchased from high 5 games after purchase they applied credits to my game account but due to the fact that I was unable to get verified by there system I couldnt recieve the credits I paid for I contacted high XXXX games and a supervisor walked me through the steps but still no verification was possible so I then contacted my bank capital one who I have been calling and dealing with for 2 months now being told lie after lie for associates and management saying oh XXXX XXXX you need to send in a hand written sworn statement and your claims will go through nothing oh XXXX XXXX we need pics of receipts I send them and nothing then oh XXXX XXXX it was due to wrong format XXXX you need to send pdf format I do and nothing oh XXXX XXXX we need the hand written statement again do and nothing oh XXXX XXXX one claim is in your favor now and the issue was the claim for one was submitted item not as described so it went through the other 4 were submitted did not recieve so resubmit all documents and we will fix the 4 so I do and nothing I call back in again saying if one case is in my favor why do the all say denied oh XXXX XXXX all claims you lost I said how can that be you have paid me XXXX $ back for one of the claims oh we dont know why. Not even once did capital one ever give me a straight answer or tell me the truth nor did they ever tell me exactly what they needed for my claims to go through I did not get what I paid for and will not be paying for these transactions period the amount of time Ive spent on the phone talking to them being on hold and writing documents taking pictures comunicating with merchant and nothing only one goes through they are all the exact same type of case against the same merchant on the same day and I sent the same documents but only one of five is in my favor explain that especially when it says I lost all five cases yet they reimbursed me for the one. I even sent them multiple pics of emails from high 5 games of purchases with transaction number amount date merchant name everything and they said those are not receipts. The only resolution that I will except which is beyond owed to me is a complete refund and an apology!!!
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (AL)

Around XXXX through XX/XX/XXXX BBT opened a Business account online for someone using my ID, SS #, and Address. They opened an account with around {$100.00}, which they were immediately given access to, and the account was opened in the name of XXXX XXXX. All the paperwork came to my house for signatures. I called the bank immediately and explained it was a fraud and that they were going to check into it. In the meantime, I continued to get mail from BBT / and then TRUIST about the account and statements every month. I went over an hour to the nearest branch, several months later, to produce my personal ID and requested information about the account, as it was still open. Since I initially introduced myself and that I was there to make sure that the account got closed. They then informed me that since it wasn't my account I can not access any information about the account. So I can find out who may have my information and stop any further problems. There were also XXXX to XXXX credit checks and a couple of unknown charges on my credit report. I have continued to get Statements up until XX/XX/XXXX, with a balance of {$0.00} on the checking account. I again went to the bank to make sure the account was closed, because I was able to call customer service with my ID information and it pulled up the account as if it was open, I told customer service that this account should be flagged as a fraud account and was supposed to be closed. I still get marketing information from the bank and its affiliates and hate that my personal information is in their system also mentioning my business account with them. I have asked politely for them to remove any trace of my information from their systems. They informed me that it was impossible to do that. Please let me know if there is anything that can be done. There is also a charge on a XXXX account for a XXXX purchase. I have never ordered, received, or visited any of that company 's websites. I am tired of trying to fight this alone. As a recent widow, due to COVID, my options to follow up on these items have been limited. I have disputed some of the items and they won't remove them and it affects my credit as well. Please let me know if you can help. I have a huge, expanding file folder full of mail and documentation to support this claim. Contact me if you can help. I also recently received XXXX Invoices to be paid in a XXXX account with no company name on shipped products. I can't wait to find out where that goes.
Consumer complaint received 2023-08-01
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)

I am not liable for any of the accounts that I'm stating on my report. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$21000.00}. I also have inquires that are not mine and know anything about from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and a list of companies reporting inquiries that I have no knowledge of. I do not have any contracts with any of the stated companies on my complaint. None of the companies stated above have provided me with any original contract as requested.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The woman at XXXX XXXX XXXX XXXX XXXX  was in a foul mood from the moment she answered the phone, very threatening and aggressive in her tone and on my first attempt to get information, she just hung up On me because I asked for her name. 

I called back and she was increasingly intimidating and threatening about court and the lawyers. I asked for specific account information and proof that this was my debt, It was hard for me to understand her, she spoke quickly, I tried to explain that I have trouble understanding because of my XXXX, she was over board aggressive, said she was just going to send it to the court and threatened that my social security would be garnished and leans placed plus she was adding {$2500.00} in legal fees to the total. 

All I could understand was that this is from a XXXX collections account with House something (? ) and previously a XXXX account. I explained to her that I am XXXX since XXXX, and lost my husband of XXXX  years late in XXXX, lost everything and am on a limited budget, She did not offer options saying since you dont have anything XXXX just sending it to the court, and hung up on me again! Who does that?
Consumer complaint received 2022-02-14
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. (PA)

I asked Equifax on different occasions to investigate a dispute I submitted regarding incomplete information appearing on my credit report provided by them. The account, XXXX # XXXX, is missing its date of last activity. 

Equifax is required by law to provide me with a complete and accurate report, but they have not corrected my report. ( see complaint # XXXX ) It is a violation for Equifax to knowingly state that something is complete and accurate, when it is clearly incomplete and inaccurate! They can not report that my account is verified and accurate, when it is not. 

Equifax is required to update my file with the missing information, or delete the account. They have not updated my file. The missing date of last activity still exists. The account has not been deleted. 

Since Equifax will not properly investigate, I am requesting that this account be immediately removed from my file.
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: PNC Bank N.A. (IL)

I filed bk XXXX  XXXX and the case was discharge. I called PNC on XX/XX/2024 when I found out that even after discharge the payment are not being reported to the credit agency. The representative informed me to write a letter, send it certified mail to their credit bureau investigation which I did asking them to report the status and payments history on the auto loan with account number XXXX to the credit bureau agencies. They replied back to me on XX/XX/2024 that they elected not to report accounts that had a bankruptcy filing. Before, during and after bankruptcy the payments all always being made on time. The Reaffirmation agreement was certified by a bankruptcy attorney and a judge. As a result Im still responsable for the debt and since Im continue in contract, reporting to the credit bureau agencies should be continue.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. Account Name : XXXX XXXX XXXX  Account number : XXXX You have this account balance as {$24000.00} but the current account balance is $ XXXX have attached a screenshot of this account information below