davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed there were fraudulent accounts open along with multiple addresses i have never lived in, inquiries and names listed on my credit report. I have filed a FTC report # XXXX and I will attach it along with proof of my address and this address that should be only address on file. I have NOT lived at the other address or have any knowledge of those accounts. And inaccurate names being listed on my credit report. I have the right to have my consumer credit report complete and accurate. 

I have listed the accounts that are not mine on the FTC report. I will also put them below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-08
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: CITIBANK, N.A. (NY)

On XXXX XXXX. I had placed an order online through XXXX of an amount of {$4500.00}. the company refused to investigate whatever happened to my delivered I was also asked to provide my ssn which was strange never heard of any company asking for your social security number which I shouldve knew it was a scam, my bank hasnt really help me with this issues I'm frustrated with this outcome.
Consumer complaint received 2024-06-15
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: EQUIFAX, INC. (GA)

I am writing to formally lodge a complaint concerning the repeated issues I have encountered with the delayed correction of my payment records on my credit report. Despite my previous attempts to resolve these matters, I have faced ongoing difficulties which have not been satisfactorily addressed. I have submitted corrections for delayed payments on multiple occasions. Despite assurances from your team, these corrections have not been reflected in my credit report in a timely manner. This delay has adversely affected my credit score and my ability to obtain credit on favorable terms. Under the Fair Credit Reporting Act ( FCRA ), the Credit Bureuas are obligated to ensure the accuracy of the information you report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. Please help me correct the late open accounts immediately : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5900.00} ; XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2500.00} ; XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX Balance Owed : {$360000.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am a citizen of XXXX, but live in USA for the last 10 years, and I am a XXXX XXXX  of USA. 

Wells fargo put a hold on my account to receive my XXXX  information ( relevant to Sanctions on XXXX ). After I noticed of the hold, I provided documents for them.

They agreed that my documents are sufficient, but their slow process, and their lack of communication resulted in several extra fees and penalties.

My complaint is that first they had to send me a notice that I should provide documents, and they didn't. Second, they had to be faster in processing, responding, or giving an estimated time of removing the hold. But after more than 10 times contacting them, all their employees can say is that so sorry sorry sorry. But you should wait.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

I have been a customer/client with TD Bank for more than a few years without incident. 

XX/XX/year> my checking account was fraudulently depleted of {$2800.00}. 

XX/XX/year> While attempting to complete a XXXX request, I discover there was unauthorized transactions on my account and contacted TD Bank through their mobile app. I was told I would receive a temporary credit and they will investigate. I was told that if I had set up TD alerts, I would have been able to stop the unauthorized transactions. I am and was set up for TD Bank alerts and did not receive 1 alert. I was also told to go to branch and receive new banking card. 

XX/XX/year> I went to a local branch to get a replacement card. I explained what occurred and was told I will receive my funds shorty and not to worry. 

A couple days later after not receiving the credit, I contact TD Bank to find out why. 
I was told by the fraud department that my claim was denied. The representative stated that it had to be me who made those transactions, and to file a police report if it was not me in order to receive my XXXX back into my account. That representative was very disrespectful during our conversation and I wish I could have reported her. 

Now compelled to not only get my funds back but also clear my name I followed the representative instruction and filed a police report. I went to another branch and was told once I have the police report they will attach it to my claim and it will be approved in 7-10 business days. Once the report was made available, I provided the the report to the same TD branch who then had to resubmit the claim. 

My claim was then denied again. First reason is that the person used my pin number. I never shared my pin number nor do I know for a fact this really occurred. The latest reason they denied my claim is because the person who used my account to withdraw funds and make purchases did not continue after I contacted TD Bank. When I contacted TD Bank to find out why they would make me take steps to receive my funds back just to deny my claim they stated they could no longer file a claim. When I pointed out the inconsistency in their reasoning to deny my claim they said that there is nothing I can do.

TD Bank representatives insisted it was either me who made those transactions or it was my fault. Those representatives insisted if it was fraud, the person would have taken ever sent and not leave less than {$10.00} in my account. 

I am currently injured and can not work. For TD to have me travel when I was unable to walk, to submit and receive a police report in order to receive my funds and to deny it is not only unethical but cruel. I am the victim and I am not being treated that way. Please help me with this matter, I am out of hope and funds.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (CA)

I initiated an ACH transfer to transfer {$4000.00} USD from my SoFi Bank checking account to my XXXX business account. The funds were successfully debited from my SoFi account on XXXX, but then I received a call from XXXX Bank saying they could not verify the external account belonged to me and the ACH transfer was not successful. I later sent them a statement proving it was my account, and can now make future transfers between the two, but that $ XXXX transfer failed and is stuck between both banks. 

I have spent 8+ hours on the phone calling both banks about the issue. XXXX Bank tells me there is nothing they can do as they never accepted the ACH and I need to file a dispute with SoFi for the incomplete transaction for SoFi to credit the funds back into my account. When I file a dispute with SoFi, they say they researched and found no errors. What? So they just get to keep my money? Scummy and poor customer service to say the least.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

They report to my credit account that was late XXXX, through XXXX of XXXX my statements show payments on the XXXX through the XXXX of each month. On time but charged late fees. They said I missed payment 's XXXX through XX/XX/XXXX as well as XXXX and XXXX of XXXX. All payment 's where made on time. I paid on the first XX/XX/XXXX I got a late fee. I paid on XX/XX/XXXX and wasn't charged a late fee. I have my account transaction history included which clearly shows payment 's made on time. 
I wish to have the late fees reimbursed as account credit and remove the negative remarks on my payment 's from the credit companies. As you will see in the documents attached. I have never missed a payment or been late. Sometimes I paid early at the end of the prior month a few times. They didn't acknowledge my payment. I need all the information updated correctly and promptly by XXXX XXXX.
Consumer complaint received 2024-08-05
Product: Credit card — Store credit 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: CITIBANK, N.A. (IL)

I received a bill in the mail from Home Depot Decemeber 2023. The purchase was made on a Home Depot credit card. I did not open a credit card with Home Depot-Citi Bank . It was opened fraudulently under my name. I did not even know a credit card was open under my name with Home Depot. I have called and opened a fraud claim with Citi Bank multiple times and they keep determining that I am responsible for the charges and closing the investigation. When asking why, they state they have proof of delivery to a previous address of mine ( my parents ) but Home Depot and the receipts state that the items were picked up in store.The store that items were purchased and picked up at is located 4 hours away from where I live. They are stating that a different person with the name of my father ordered and picked up the items. Neither one of us have done so. I have filed a fraud claim with the FTC, contacted the collections agency that my account is now in, contacted Home Depot but no one can do anything when Citibank is stating we are still responsible. I have filed a police report in XX/XX/XXXX. Police have tried to contact Citi Bank multiple times and can not get through to a representative they can give information to. When asking to speak to someone in the investigations department we are told it is not possible. We are at a loss and can not seem to get anyone at Citibank to listen to our concerns or look into the fraud.
Consumer complaint received 2024-06-04
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. (CA)

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 15 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 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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 15 USC 1681. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

Last year, 2023, Citibank allowed a hacker to used my account in XXXX consecutive months : XXXX, XXXX and XXXX to pay their XXXXXXXX XXXX  via ACH transactions. The account has been dormant for a while and there was not much money in there. Citibank transferred money from the credit line XXXX times to the checking account to cover those payments. 
When I become aware, I called customer service and opened investigations. I submitted proof from XXXX XXXX  where I used to pay my XXXX bills and my XXXX account also is different from the XXXX account that the hacker used. 
I made XXXX trips to Citibank branches and spent over XXXX hours over the phone, opened over XXXX investigations with no result. Citibank has now returned the money taken from the credit line but continued to charge me interest every month for that money for no fault of my own. 
All I am seeking is for Citibank to wave the interest fees that is now over {$220.00} Also, my credit score was outstanding, Citibank tarnished my reputation by refusing to pay that debt. 
Please help!
Consumer complaint received 2024-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MS)

My property tax of XXXX check was returned back to my mortgage company, due to being approved for XXXX. I called them on this issue, therefore sending them a copy of the exempt letter from the courthouse in XXXX XXXX and proof of the returned checked that was cleared by their company on XX/XX/XXXX. I ask them could they give me a time frame or update when they would forward the check back to me and rework my mortgage payments. All I being getting is excuses and no results. Today date is XX/XX/XXXX, this is unbelievable.
Consumer complaint received 2019-07-08
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. (AE)

I was taking a look at my credit so I can begin to start looking for a home once back in the US and There are some things on there that are not mine. I have reached out to the FTC and reached out to my local police department, and I am doing this on my own behalf. I will be retiring from the military was trying to get things together. Please remove XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancelation of Debt ) from the following charged off accounts listed below. XXXX XXXX XXXX XXXX After calling XXXX XXXX XXXX they stated their debt was paid off by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Tranunion is reporting that I have a delinquent account with XXXX XXXX XXXX XXXX, this account as been paid and they are still reporting it as delinquent on my credit report
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX Were closed by XXXX XXXX XXXX as a duplicate . 
I am reopening this investigation because it is not a duplicate investigation. I ordered a CEASE AND DESIST and that was NOT respected! 
As mentioned I will not pay this and I explained explicitly in numerous correspondence why.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. 

I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I received a Credit Report XXXX. I was reported as an Authorized User. This was reported to have started in XXXX. I did not agree to any account for a credit card. When I called the company ( XXXX XXXX ) they refused to file a credit report dispute.