davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax has violated Federal laws concerning the use of private information. Equifax is obligated by the FCRA to report accurate accounting, consumer has been attempting to resolve an issue by requesting Equifax to provide documentation used to determine that all disputed negative accounts were verified, consumer is not asking for an XXXX  report. If Equifax isn't able to provide said items, negative accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules. 


Consumer has attempted to resolve this matter for over a year, I will be filing form 211 treasury omb forms to audit consumer account. 
Equifax is securitizing consumer 's data yet refusing to provide a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

Consumer should only have one name and one address which has been disputed for over a year. 

EQUIFAX you have 3 days to remove negative unverified information EQUIFAX you are interfering with commerce and that is a Federal Crime EQUIFAX Commission File Number XXXX IRS File XXXX XXXX
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/23 I discovered that there were two fraudulent checks written against our account, totaling {$15000.00} as well as three ATM transactions totaling {$2400.00}. On XX/XX/23 I went to my local branch of Truist bank and was told to file a complaint with the fraud dept, which I did the same day. I was told by the fraud dept to file a police report which was also done, and at that time my husband and I suspected that it could be our daughter. 
We were asked whether we were prepared to file charges and appear in court and we signed to that effect. 

On XX/XX/23. I discovered more ATM and check transactions not created my myself or my husband, and those were reported to the fraud department of truist. The personel stated that they would add these to the same case XXXX XXXXXXXX The sum stolen from us totaled Approx {$69000.00} over a period of 14months. The bank has declined to reimbursed any of it, not even the fraudulent checks. citing that we did not safeguard our banking information, and failed to file charges, which is incorrect. I have sheriff dept report that we have filed charges.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

On XX/XX/XXXX I received an escrow analysis for my city property tax. The numbers do not match what the city is providing me. I called Mr.cooper and they had told me they do not have my homestead exemption on file and they would need proof. On XX/XX/XXXX I sent them the information for my XXXX property tax from the city. I called them back on XX/XX/XXXX to confirm they had received my emails with the information. I was informed that they are going with their numbers and not what the city is stating. I requested they send me something in writing explaining this, and they refused.
Consumer complaint received 2019-07-15
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. (GA)

I have submitted my request to remove information on my credit report due to identity theft, but your company stated that such information doesn't appear in my credit. 
However it is still there, a copy of your response and a copy of my credit report is attached to this complaint. 
Please remove these items from my credit report intermediately.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2022-11-14
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} CLICKLEASE LLC XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed:XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX DPT ED/XXXX  XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance XXXX {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$1800.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc. (CA)

Lender liability, Briefly, lender liability law says lenders must treat their borrowers fairly, and when they don't, they can be subject to borrower litigation under a variety of legal claims. 
The Mortgage company XXXX XXXX XXXX ) has refused to apply distributed verified funds in the amount to bring loan to a paid in full and current status additionally XXXX XXXX XXXX has moved forward with foreclosure and sale date regardless of verified wired funds from a government entity providing proof, with a tracking number. Again the XXXX XXXX only response was it will be escalated, wait to hear from someone. 
Servicer company refuses to return calls, only to be told, the matter has been escalated This matter has been ongoing since XX/XX/2023 up until current date XX/XX/2023 Below are the email notifications from the XXXX  Mortgage XXXX XXXX Mortgage XXXX XXXX Dear, For your application XXXX to the XXXX  Mortgage XXXX XXXX XXXX funds have been distributed to your mortgage servicer on your behalf based on the amount due provided by your servicer. We are currently awaiting confirmation that those funds were applied to your loan. 

While we are working with your servicer to ensure a timely response, we encourage you to also reach out to them for more information. You will receive a confirmation email from the program once your servicer has verified that the funds have been applied to your loan. 

To review your application, you can log in to the XXXX XXXX here : XXXX XXXX XXXX If you have additional questions, you can email XXXX  Mortgage XXXX XXXX through the Message section in the XXXX XXXX. 

Regards, The XXXX  Mortgage XXXX XXXX XXXX Mortgage Relief Program Dear, Thank you for submitting your application for the California Mortgage XXXX XXXX. The program has distributed funds to your mortgage servicer, but as of XX/XX/2023, your mortgage servicer has not verified that the funds have been applied to your loan. 

To ensure the funds sent by the program have been applied, we are asking you to reach out to your servicer, as we are, to confirm that the funds are posted in a timely manner. You will receive a confirmation email from the program once your servicer has verified that the funds have been applied to your loan. 

To review your application, you can log in to the XXXX XXXX here : XXXX XXXX. If you have additional questions, you can email XXXX  Mortgage XXXX XXXX through the Message section in the XXXX XXXX. 

Regards, The XXXX  Mortgage XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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: TD BANK US HOLDING COMPANY (FL)

Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX TD Bank, I never authorized a hard credit inquiry nor an application for a TD Bank Business Credit Card nor opening new cards.

Please cancel these cards and remove from all credit bureaus.

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

XX/XX/XXXX Someone made a fraudulent call into Wells Fargo transferring {$2000.00} from my savings account to my checking account. Gambling charges were authorized on my checking account by these funds causing my account to be compromised. 
My direct deposit and balance was compromised causing errors to my checking account and my upcoming purchases and household bills to be compromised XX/XX/XXXX. 

I have suffered stress and duress from this situation. Wells Fargo has put me through stress and mental strain during this process. 

XX/XX/XXXX I called wells fargo XX/XX/XXXX about my frayd claim remaining balance, I could have law enforcement obtain a copy of the fraudulent phone transaction made on XX/XX/XXXX. 
I received a portion of my savings account funds back from this fraud bank account transfer. 

My XXXX  was questioned by wells fargo if I made the fraud phone transfer call. 
I was reported to Dept of Human Resources about my XXXX XXXX by wells fargo. 
I received a visit to my home from XXXX XX/XX/XXXX on my XXXX XXXX and the money transfer by a representative.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (PA)

Equifax I am an affected person : Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. ''
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am one of the unfortunate people who was affected by the recent Equifax hack. Equifax confirmed my credit/personal information was compromised. ( XXXX/XXXX/17 ) I am deeply disturbed by this lack of security and will take any and all steps possible to hold this company responsible as well as to protect myself in the future.
Consumer complaint received 2017-09-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Applied for Home Equity Line of Credit XX/XX/XXXX at Santander Bank. I wanted to consolidate credit cards to pay off at lower rate and have a better credit rating to cosign my daughter 's college loans. SHe is a XXXX so I have more loans to go. I am XXXX XXXX, had XXXX XXXX 2 yrs ago. Was told 6wks. It took until X/XX/17 to close. XXXX XXXX was the executive at XXXX XXXX I spoke with. He pushed me off to assistant XXXX XXXX who repeatedly had me fax papers saying they never got them. Dates passed by as I kept asking what was going on. Very poor understanding of their product by the employees. Closing was held at a XXXX by XXXX XXXX, noist, papers fying, on stools. It was there I was 1st told I had to open a checking account to pay my interest and principal payments into in order for HELOC to be taken out. This was a surprise and questioned why I would n't just pay directly. I have a XXXX  cchecking acct. I do n't need this one. She said it was how they did it. I was told ther would be an overdraft fee. But, since I never planned to take any $ out ever agin, but only pay off, I did n't think I would need it. As in my XXXX acct overdraft charges are only made if you overdraft. I found out 2 wks ago this is a monthly regular charge. News to me as was the invoice showing $ XXXX/monthly statement. There are surprise fees evry single month. I am being nickle and dimed. It was bait and swith just to open a cking acct to get those fees. My wallet was stolen XX/XX/XXXX and Santander allowed the thieves to get {$50000.00} from an dummy checking acct and allowed them to take from my HELOC!! I have reported the fraud XX/XX/XXXX,XX/XX/XXXX and every day until today when I was called to the branch to file a claim. XXXX handled it by XX/XX/XXXX, all funds returned to my accts. I filed a police report. they said they never heard of a bank not replacing funds asap! I am very stressed and feel abused and pushed to my limits until I am crying and screaming, swearing at them to remove those hidden fees and refund those funds after 6 whole days.
During last 5 months many errors, tellers not knowing how to process my payment tho I followed directions to the " T '' and many, many calls from them again and again. It is harassment.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Equifax mishandled my information and allowed it to fall into the hands of hackers due to negligence. They have told me that my credit and identity ( and millions of others ) are at risk now. A resolution, and accountability for those at fault, is necessary.
Consumer complaint received 2016-08-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XXXX/XXXX/2016, I sent Capital One a letter with a copy of my disputes to XXXX, XXXX, and XXXX for the derogatory Capital One account # XXXX XXXX XXXX XXXX ( see Capital One Letter ). I included a copy of the judgment in my favor against Capital One for that account. Also included was a request that Capital One correct the false and fraudulent IRS form XXXX that it filed for debt I am not personally liable for. 

On XXXX XXXX, 2016 Capital One sent me response letter requesting several documents and stating that it would respond in 30 days once I sent those documents ( See Capital One Response ). Oddly, Capital One seemed to be unaware that it sued me on this account and lost. Although I had previously included all of the items requested by Capital One in my correspondence, I again sent everything they requested in my letter dated XXXX/XXXX/2016 ( see Capital One Followup ). As of the filing of this complaint I have received no further response from Capital One. 

It has cost me considerable time and expense to repeatedly contact Capital One, XXXX, XXXX, and XXXX to correct the inaccurate information. Although XXXX has removed the inaccurate information, it is still being reported by XXXX and possibly XXXX ( waiting for a full response from XXXX on my CFPB complaint # XXXX filed on XXXX/XXXX/2016 ).
Consumer complaint received 2015-12-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Guglielmo and Associates (NM)

I was sued. They won. I was not aware of any of this. Today I look at my bank account at it is empty, and so is my savings account. In total they took almost {$4300.00}. I now have an overdraft in both accounts. 
I am a student teacher and earning no income. I was living on this money until I finished school. I now can not afford to pay my bills. I do not know what I am going to do.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (PA)

Equifax has mishandled my information, which puts me and millions of other people at risk. 

XXXX XXXX XXXX XXXX I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

It behooves me as to why I am showing a missed payment when I speak to Capital One I am told that I missed the date it was supposed to be paid on and it is out of their hands and only the credit agencies can make that call. When I speak to the credit agencies I am told they only report what they are given. I have been going in circles for weeks on this and dont know where to turn, I do not feel that this blemish on my record should be there at all and I am requesting you look at the facts and remove it. My credit has dropped over 50 points because of this inaccuracy.
I was never 30 days late as you can clearly see.
I have attached the record of my payments and while I did not pay on the exact date it was never 30 days late.
Please let me know how to proceed and if you can just remove this incorrect error on the part of the credit card company.
I dont know how they can report me as thirty days late if I was not.
Please see the payment history of the card in question, this was copied and pasted from my bill pay.
Deliver by Paid to Amount Confirmation No. Paid from Status Category Date due XX/XX/XXXX Capital One {$130.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXXXX/XX/XXXX Capital One {$120.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXXXX/XX/XXXX Capital One {$90.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXX 20 days late not 30 Due to death in familyXX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due XX/XX/XXXXXX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due XX/XX/XXXX XX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized DueXX/XX/XXXX XX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due 12/20