davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally register a complaint regarding the ongoing and unresolved issues with fraudulent items that continue to appear on my credit report. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of fraudulent items on my credit report. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the inaccuracies. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the fraudulent items. I submitted all necessary documentation to substantiate my claims, which included evidence of the fraud and any relevant police reports. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries, during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the fraudulent items persist on my credit report, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the fraudulent items on my credit report. 

Immediate correction of the inaccuracies by removing the fraudulent items from my credit report.

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit report.

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies.

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter. I am asking for your assistance to remove the inaccurate items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (IL)

I was an employee until XX/XX/XXXX. When I left I filled out the forms to have my entire XXXX rolled over to XXXX XXXX XXXX XXXX. The majority of the money was rolled over to them ( stub from check dated XX/XX/XXXX attached ) and the transaction was recorded on XX/XX/XXXX. I received notice on XX/XX/XXXX that several XXXX dollars was still in the account and would be rolled over. I assumed to XXXX XXXX. On XX/XX/XXXX I received another notice from Citi stating that a XXXX XXXX Account was opened in my name for that money ( attached ) and it was moved there. I phoned them and the original agent emailed and tried to get me to fill out an application ( XXXX pp ) to open the account that they already opened. When I said I wouldn't do that and asked for a supervisor who said that they would close the account but didn't know what would happen to the money, but I would get a letter in 7 - 10 business days. She said that it may stay at the XXXX XXXX or maybe they would send me a check- not sure. Regardless, they opened an account without my authorization and then tried to get me to fill the application out later. This is not right.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (AZ)

Pay Pal XXXX XXXX acts like a bank. It comes with direct deposit. My social security funds were being deposited to the account on a monthly basis. This account was for my XXXX My XXXX XXXX XXXX this year & the account was closed. There were funds left in this account that came from my social security payments. These payments had already been made before my XXXX XXXX XXXX, so I'm trying to collect the funds that were left in the account. Customer service said to send an email with documents/proof in order to collect the remaining funds. From XXXX, several emails have been sent to both customer service & garnishment. A whole new email with attachments just got sent out again on XX/XX/XXXX. I feel as though Pay Pal is taking advantage of this situation since I'm a XXXX. Documents haven't been included with this complaint since these items contain sensitive information.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/2023 In branch with live teller I deposited two checks one check from a large real estate company and the other check from a insurance company. XX/XX/2023 I received several emails informing me my accounts will be closed XX/XX/2023 because od suspicious activity deposit of counterfeit checks the notice also stated the bank reserves the right to close the account sooner under other circumstances I have payroll direct deposit set up on this account the email states any and all direct deposits will be returned the email also states action to take if the account becomes over drafted I immediately contacted the branch where the account was opened my calls were ignored and routed to customer service I spoke with someone name XXXX after waiting on hold for almost two hours I was then transferred to someone else XXXX who told me she was from lost prevention after being on the phone with this person she told me she needed to verify the checks by contacting the maker of the checks she demanded I provide names of the parties who gave me the checks and give her phone numbers for those companies and people I complied with her request again she kept me on hold while she contacted the make of the checks ( was embarrassed and my good name was destroyed after being on the call for almost 3 hours of my work day she told me they would not be closing my account and because the checks were deposited electronically the funds would not be available until XX/XX/XXXX these two checks were local checks I also told her I did not deposit the checks electronically I presented the checks to a live teller for deposit XXXX loss prevention told me I would need to go into the branch to resolve the check holds I went into the branch the next day spoke to a banker XXXX XXXX who called someone internally who told her the funds are being held due to improper endorsement and again my funds will not be available until XX/XX/2023 almost two weeks after the initial deposit I believe the is gross misconduct there is no good explanation for the consistent lies and misrepresentation and hostage hold of my money which has caused me not to be able to pay my bills maibly housing bills on time
Consumer complaint received 2018-04-03
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: Experian Information Solutions Inc. (PA)

My wife and I are attaching a copy of the letter we sent to the credit bureaus, asking for a credit investigation. More than 30 days have past, and we have not gotten responses yet. The bureaus are supposed to respond within 30 days.
Consumer complaint received 2023-10-10
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. (TX)

I am writing to formally register a complaint regarding the persistent and unresolved issues with fraudulent items that continue to appear in my credit file. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of fraudulent items in my credit file on [ Date of First Discovery ]. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the fraud. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the fraudulent items. I submitted all necessary documentation to substantiate my claims, which included proof of the fraud and any related police reports. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the fraudulent items persist in my credit file, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the fraudulent items in my credit file. 

Immediate correction of the inaccuracies by removing the fraudulent items from my credit file. 

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit file. 

XXXX that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter.I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally register a complaint regarding the persistent and unresolved issues with fraudulent items that continue to appear in my credit file. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of fraudulent items in my credit file on [ Date of First Discovery ]. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the fraud. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the fraudulent items. I submitted all necessary documentation to substantiate my claims, which included proof of the fraud and any related police reports. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the fraudulent items persist in my credit file, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the fraudulent items in my credit file. 

Immediate correction of the inaccuracies by removing the fraudulent items from my credit file. 

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit file. 

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter.I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  XXXX TX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (ND)

The original debt was for XXXX XXXX XXXX with XXXX XXXX Services, in XXXX due to failure by XXXX to honor statements by their representatives this vehicle was voluntarily surrendered in XXXX however payments were made through XXXX and the vehicle was not picked up until XXXX. The last communication from this company was a XXXX XXXX form sent via email in XXXX of XXXX. Through my own tracking this vehicle was auctioned by XXXX. 
Although we have moved twice since that time no contact was made despite mail forwarding and official change of address with the post office. 
This debt shows closed with a XXXX balance on our credit, however at the end of XXXX this year I was served with judgement papers from Jefferson Capital Systems for the amount of {$8900.00}. 
I have never been contacted, and when I attempted to file a response I couldn't because they hadn't actually filed the papers, now as of XX/XX/XXXX, they filed the default of judgement. I was given no opportunity to file my response with the court, XXXX XXXX in XXXX XXXX North Dakota awarded it to them again with no time for me to file a response or knowledge that it had been filed. 
A response can't be filed officially until the case is filed and with no notice of it being filed and a judge that just pushes it through how can I fight a garnishment that is in fact not valid.
Consumer complaint received 2023-09-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-09-17
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

On XX/XX/XXXX I call the bank to tell them to stop the transaction cause someone hack my account and where buying stuff online different state they XXXX dollars that I didn't do those purchases. They told they could not stop the transaction to send the paperwork and while they investigate they will credit my account .it 's been 56 days they denied my case four time I call every day to check the status. Everyday it's a different story they don't explain what's gong on I keep telling them that I need my money.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

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 an account without my written instructions
Consumer complaint received 2023-08-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (CA)

I sent XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) at letter on XX/XX/2023 & I never heard back from this company within the guidelines of the law
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

30 days late payment is incorrect please update payment was not established with account holder. I XXXX XXXX XXXX XXXX AUTO/FIXED RATE XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ARVEST BANK GROUP, INC. (MN)

My mortgage was purchased by Arvest Bank from XXXX. They soon forced me to purchase flood insurance. Even though XXXX was not forcing me too. I have supplied them with a LETTER OF MAP REVISION DETERMINATION DOCUMENT. They have refused accept it. They have not supplied anything to me in writing. I can not get past the customer service Rep, who takes my paper work, then says they do not have direct contact with the " flood insurance '' department Attached the LETTER OF MAP REVISION DETERMINATION DOCUMENT Attached Mortgage State with loan info and showing the forced payment.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have been getting repeated phone calls and voicemails regarding a collection for unpaid debt to XXXX XXXX for my credit card. This is from Portfolio Recovery Agency. However when I spoke to them finally, it was said to be a mistake and I dont owe the money.
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Randolph, Boyd, Cherry and Vaughan (VA)

This is a law firm that serves as a debt collector and they filed a judgment against me and bank acct.garnishment for an old Dental bill from a dental school and never gave me any notice of garnishment. I'm unemployed and receive SSI payments for my XXXX grandchildren. My bank notified me after the money was taken. Also, I noticed on my credit report that this law firm requested my credit report on XX/XX/2019 to obtain information to be used against me for this judgment and garnishment and I was not notified of this by them that they obtained my personal, private information without consent to use against me in a lawsuit.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/2018 XXXX, Equifax and XXXX despite my 3 previous written requests asking them to provide me with the name of the person in there company who verified that these accounts under XXXX XXXX XXXX are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file THEY ignored my rights and failed to show what was used to verify. Their actions clearly demonstrate willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.