davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Number XXXX
Consumer complaint received 2021-07-16
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. (NM)

The following information/ accounts are inaccurate and need to be removed from my credit report immediately. 

FCRA VIOLATION SEE BELOW / SEE ATTACHMENTS wrong names - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong addresses - please remove XXXX XXXX  XXXX, NM XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX XXXX  XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY wrong phone numbers - please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX wrong employer - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove from my report RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove RemoveXXXX  XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late, please fix RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account
Consumer complaint received 2021-07-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was called about a XXXX money that I wanted to transfer esto my account. The number I called for XXXX was in XXXX so I dial it, they said that for me to get that money back I had to open a wireless transaction to them and see if they receive so they can send me money. So I went to XXXX on my bank they gave me the instruction and I did it, they always said transaction did not go through so they ask me to keep on trying. I did until I notice something was not right and called the bank.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CT)

On XX/XX/2020 or thereabouts I closed my XXXX  due to Covid-19. As there is no mail slot we applied to the Post office to forward the mail to the office manager 's home. Due to a slow down with mail delivery during Covid my XXXX bill went lost and my XXXX bill arrived late. Payment was made in XXXX for the {$12.00} bill and the late penalty. There was a mistake made by discover and they incorrectly credited the wrong account so that my account appeared 90 days delinquent. They corrected this, but still reported a 60 day delinquency to the various credit reporting agencies. As a result my credit score went from low XXXX 's to XXXX. Discover Card has ignored my requests to remove the delinquency. It is now impairing my ability to get a good rate on a mortgage. Do I have any recourse? Can you office offer any assistance? It is absurd that my credit score should be so profoundly affected by a delinquent bill of {$12.00}.
Consumer complaint received 2021-07-16
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. (IL)

I am writing to supply proof no verifications are being one when accounts are being disputed because of incorrect information. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. According to FCRA 611 ( a ) ( 7 ), they are suppose to supply me with the proof. On XX/XX/23 I sent in a dispute which I have attached. I just received an email update that the dispute was resolved. First off, where are the documents, second off, the results are still wrong. I know this because the account was included in my bankruptcy file # XXXX. They updated my report and the account now says delinquent instead of included in bankruptcy. If this was verified they would have know it was in my bankruptcy. The account is XXXX
Consumer complaint received 2021-07-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (CA)

When I opened an account with TD Bank in New York, I was automatically enrolled in an " overdraft protection '' loan account to cover my checking account. Unfortunately, I wasn't aware of the fee structure and how it changed over time, and it certainly was not clearly explained to me either. I was under the impression that I would be charged fees for using the service, and I didn't realize that the account had a fee of {$25.00} / year in addition to that. I did not know about this {$25.00} / year fee, and when I discussed with the bank, they claim that I have signed an agreement which has the fees. Had I known about this fee structure, I would never have signed up for this account. My account was accidentally overdrawn in XXXX, but I have not needed overdraft services since. Knowing what I know today, I would actually prefer to not use " overdraft protection '' at all, and instead just allow the bank to decline transactions if they exceed my account limits. 

Over the last four years, I have received several letters from TD Bank about a balance I owed. It took several calls to TD Bank to understand the letters were about, because some other banking associates who helped on the phone did not know anything about the letter I had received. I kept ignoring these assuming it was some kind of bank error, especially since I had called and tried to clarify without a clear actionable response. 

However, I decided to call again on XX/XX/XXXX when I received a letter from TD Bank in early XXXX ( letter is dated XX/XX/XXXX ). I finally spoke with someone who understood what the fees were and was able to transfer me to the loans department. I asked the agent to remove the fees so that I can close the " overdraft protection '' account. I was informed that the request to remove fees would take approximately 5 business days and that I should call back to see if the fees are removed and I can proceed with getting the removal of overdraft protection started. When I followed up on XX/XX/XXXX, I was informed that the bank is unwilling to remove these fees and will not allow me to close this account unless the {$100.00} worth of fees is paid. The worst part about all this is that TD Bank has made it exceptionally difficult to close the " overdraft protection '' account, so addressing the fees issue is only step 1 for me. 

I would love to get some help with this matter, because from my perspective - this is akin to a ransom. Now that I understand what the fees are after accumulating them for four years, I realize that the " overdraft protection '' is more predatory for the consumer than protective. I am happy to provide additional information in followups since I realize this message may get published to a wide audience.
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

I received a text form Coinbase at XXXXXXXX XXXX on XX/XX/2021 saying my account password has been changed and if i didnt initiate this to call and lock the account immediately. I called immediately to lock the account. I could not get a hold of anyone and their automated account locking system did not work. I also sent in at least 5 emails to lock my account. I never received any notice that my account was locked, nor was it locked because I couldnt talk to anyone at the company. On XX/XX/2021 I had {$10000.00} withdrawn from my XXXX  XXXX XXXX account to go to Coinbase. I did not initiate this and and with coinbases lack of customer service and ability to actually talk to anyone I have been unable to stop this transaction. XXXX XXXXXXXX XXXX said I need to contact the merchant ( Coinbase ) to stop these two {$5000.00} charges. Ive now spent over 6 hours on the phone with my banks and credit card companies changing all my account numbers because Coinbase has not responded to any of my close to 10 emails and phone calls about this. I want my account locked immediately and someone to contact me in regards to this. Not only do I not have access to my Coinbase funds/account but now my personal bank account has been withdrawn, over drafted and suspended because of this. Meanwhile its been over 2 weeks since I tried to put a lock on this account and talk to someone at Coinbase about this. Thank you.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have filed multiple disputes with the Bureaus and with XXXX XXXX directly with no response. I have a few collections reporting on my credit file that i was not notified about. I paid them as soon as i realized the accounts were being reported. I need these account removed from my credit file. They were reported violating my 30 day right to dispute and i no longer owe the debt. I haven't owed the debt for a while no and would like the accounts removed from my credit file.
Consumer complaint received 2021-07-15
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. (SC)

I have been disputing incorrect information on my credit reports with XXXX, XXXX  and Equifax for months with no communication or results. I will attach all my letters to prove that I have worked relentlessly to have this work done by them.
Consumer complaint received 2021-07-15
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. (AZ)

THIS BILL FROM XXXX XXXX KEEPS REPORTING A COLLECTION ACCOUNT TO MY CREDIT REPORT. ITS IS FRAUD. I HAVE ALREADY REMOVED THIS ACCOUNT TWICE FROM MY CREDIT REPORT. THEY ARE VIOLATING MY RIGHTS. PLEASE HELP ME RESOLVE THIS ISSUE!
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I made a settlement arrangement through the courts with XXXX XXXX XXXX. Arrangement was honored in 2019 but credit report is stilling showing this has delinquent but it is not. The arrangement has been paid off since 2019.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-07-16
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. (NJ)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

I have never done business with this company so for them to have my personal information after experiencing identity theft is very alarming. I have sent a request for validation via certified mail which was received by them on XX/XX/21 and have not received anything back yet however, they flagged the account as a collections account on XX/XX/21. I can confirm this company has no signed agreement between the both of us or any evidence that weve ever done any business whatsoever so they will not be able to provide any documentation validating this account is accurate which some of what Im requesting from them.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

For some reasons my loans were reported as having a late payment for the month of XXXX and that is incorrect because I have never not been in school and this was a mistake. They fixed the late payment on XXXX or XXXX of the loans but didnt correct the rest of them. Ive also consolidated all of my loans into XXXX so why are the old loans still showing anyways?
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (IN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, 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. (OH)

OnXX/XX/XXXX I received an alert that XXXX XXXX XXXX requested a copy of my credit report. I also received another alert that Equifax Mortgage Solutions also requested a copy of my credit file. On XX/XX/XXXX I received a letter in the mail from XXXX titled : Notice to Home Applicant, with details of my credit report. I have not applied for a home loan and I did not authorize either company to pull my credit. I did not speak to anyone from either company, neither did I fill out a credit application for a home loan. Equifax Mortgage Solutions said I needed to speak to XXXX, I have not been able to reach anyone at XXXX after several attempts, I even left a review in hopes that someone would reach out to me. I also called XXXX and they stated I needed to contact the company to file a dispute but I am unable to connect with anyone from XXXX.
Consumer complaint received 2021-07-15
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. (FL)

I found inquires that are total fraud. I found absolutely unknown inquires in my own credit profile. I do not want to have these inquires because they are not mine. Could you please help me to figure out who used my personal data and filed these items? Of course I would like to get rid of them and if you remove them after your check I would be very grateful.
Consumer complaint received 2021-05-19
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 (DE)

Hello, Wells Fargo on XX/XX/XXXX withdrawn {$800.00} out of my Checking account without my consent. When I reached out to them for clarification as I have always done, a Wells Fargo representative informed me that back in XX/XX/XXXX, before receiving my stimulus check, they credited me that amount to give me access to receiving my stimulus check early. On my statement, they have " REVERSAL OF TEMPORARY CREDIT PROVIDED FOR NEGATIVE BALANCE PRIOR STIMULUS PAYMENT ''. I asked whether this met my approval, and they informed me that it does not have to meet my approval before doing that but this act of exploiting customers is only done by Wells Fargo and targeted at certain people banking with them. I informed Wells Fargo that I did not see the reflection of temporary credit in my account and why is it that wasn't taken off when my stimulus check was in my account? I also ask them if I ever consented to such a transaction and they informed me that I needed not to consent to it. It was an automated transaction. I told them that I don't need a 3rd party deciding on my banking situation or finances without my consent. They stated that this transaction does not need my consent. In a nutshell, I'm asking this body to please tell Wells Fargo to return my funds to my account. Their withdrawal of my funds has now created many overdraft fees for me on bills that are due to be paid. This is not Wells Fargo 's first or second time exploiting money intentionally from out of my account. Back in XXXX and XXXX, I had to make calls to them on withdrawal that came out of my account by them. They apologized to me and returned my funds. As I planned to close my accounts with them next week, I'm asking your institution to please investigate this matter and have them returned my funds. I worked so hard for my money and when I need it, it should be there for me. I did not receive a letter from them regarding temporary credits on my account and I do not appreciate them deciding on my finances without my consent. Why will a banking institution gives you money if they have no intention to steal from you? If they claimed that my account was negative and needed money so why did they withdraw money from my account and causing the same negative balances for me? I'm frustrated and traumatized by their actions toward me and I need help addressing this matter because it will not go unnoticed. I worked so hard for my money and don't deserve to be robbed of it by a banking institution, continuously. I've emailed them on XX/XX/XXXX and requested to talk to their compliant department but the representative told me that I can not talk to anyone and they are close. I look forward to hearing back from you. Thanks. 
My name is XXXX XXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I have submitted numerous reports about inaccuracies on my report I have not been notified or updated on any reports from XXXX equifax oXXXX XXXX the original contract is not in my name or is my signature failure to comply to my dispute request is violation of the fair credit reporting act also by not acknowledging my claim this is a violation of the fdcpa which states 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Please remove these inaccuracies on my report immediately
Consumer complaint received 2021-07-15
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: ALLY FINANCIAL INC. (OR)

these accounts don't belong to me. please remove accounts : XXXX. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2019 This is not mine.