davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I contact my capital one regarding a negative balance of {$3000.00} dollars back in XXXX regarding fraudulent activity. The bank told me since I gave the scammer my account information ( which I did not ) I am responsible for paying back my negative balancs
Consumer complaint received 2018-05-17
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-12-20
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-04
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. (VA)

Upon final credit check to get the clear to close for our home loan, TransUnion has reported another person 's info including name and employer onto my,  XXXX   XXXX , TransUnion credit report. There are  XXXX  collection accounts and  XXXX  open account that is 2 months past due, these accounts belong to a man named  XXXX   XXXX   XXXX  who works for  XXXX   XXXX  ( as reported on my credit report ). Upon contacting TransUnion to inquire about this I was told I had to file a police report for identity theft to get these removed. I spoke with local law enforcement and based on the situation state that a police report is not necessary because this is not identity theft but rather and error on TransUnion 's part for entering the other gentleman 's information incorrectly ( Social Security Number ) ... ..I called all the account holders and collection companies listed that were not mine to discover they did not have anything with my name on it and in fact that  XXXX   XXXX   XXXX   XXXX  little hasty and asked how I got someone else 's account number when my name is n't on the account ... .even as a joint as listed on TransUnion Report ...  XXXX  then proceeds to tell me that they have to have a police report in order to remove the wrong account. I am wanting all the negatives and collections and anything else pertaining to  XXXX   XXXX   XXXX  with last  XXXX  SSN :  XXXX  to be removed immediately ( no later than next week ) because it was TransUnion 's mistake. The last  XXXX  of my  XXXX  :  XXXX  ... .all the other numbers of the  XXXX  for both are identical except the last digit ....
Consumer complaint received 2022-12-20
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. (GA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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. (VA)

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 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

There are several concerns I have with XXXX, XXXX and Equifax. 

There is an account from XX/XX/2014- XXXX XXXX XXXX XXXXXXXX - that has been there since XX/XX/2014. I've requested for this information to be deleted withing the law, and none have ever removed anything.

How can this continue to occur?
Consumer complaint received 2024-04-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Purchased XXXX Vanilla Visa gift cards. The cards decline instore not matter what the item price {$5.00}, {$50.00} {$200.00}, etc. Was given the option for a refund check. I received 1 refund check and 1 replacement card. I'm missing a refund check for XXXX card and XXXX replacement card. 

I've been giving the run around from the start. 1st time I called in they said I didn't need to submit anything just wait 10 days. I wait 20 days no checks have came, so I call they say I didn't submit the documents. I submit the documents, ask them is this all I need they say yes, I confirm they received the documents. 5 days past I call again to check the status, they say I need to submit more documents I've already sent over a month ago plus more. 

At this point I feel I'm being scammed and they have no intention of refunding me my money.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-04-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I was on a " NO INT FOR XXXXXXXX XXXX  '' promotional for a few of my purchases dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX according to my XX/XX/XXXX statement. The promotion expiration date for these purchases was supposed to be on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My account was also involved in an unauthorized transaction back in XX/XX/XXXX, but it was determined that I wasn't liable for those transactions. Starting my XX/XX/XXXX 's statement I was being charged 25.99 % in interest for my promotion transaction. I have not made any transactions since XXXX on this account. I contacted The Home Depot Consumer Credit Card regarding this issue and they have not got this resolved. I contacted them on XX/XX/XXXX for an update, and they informed me they would be sending a referral for the promotional and should get a call back within 7 to 10 business days. I contacted them again in XXXX and they mentioned they are still working on it To this day I have not received any updates and am still being charged interest every month.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (SC)

I deposited one check for {$300.00} on XX/XX/2023 and I deposited another check for {$1000.00} on XX/XX/2023 into my Wells Fargo account. Both checks were written to me by my mother. Her bank account is with XXXX  XXXX XXXX. Wells Fargo is saying they were unable to collect the funds and theyre telling me that they wont be available until XX/XX/XXXX and XX/XX/XXXX. XXXX  XXXX XXXX is saying, they paid those checks immediately upon receiving them. Wells Fargo is telling me theres nothing they can do about it and they may charge me a penalty fee for being overdrawn. The funds were in my account for four days and then all of a sudden they reneged and said the money isnt there. They said they were unable to collect the money when in fact, they received the money on day one.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

today on XX/XX/2023 I contacted equifax about a fraud account on my equifax credit file. I informed them I sent in the ftc id theft report to have the account removed. the representative informed me he will initiate a dispute today ( XX/XX/2023 ) but failed to provide a confirmation number. I log into my equfiax account and I also do not see the raised dispute for today 's date on there. this also happened the previous week. equifax is being deceptive and i do not like that.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (SC)

I spoke with the first agent at affirm, who looked into my account and stated that he would send me a letter/email stating that my XX/XX/XXXX payment was actually paid and that he could see that it was an automated system that sent end my payment as being late. A payment for XXXX was also made on the XXXX and a payment for XXXX was made on the XXXX and those reported fine. I was disconnected from that representative and unable to get the letter or be transferred back to him. I then spoke with XXXX who also agreed that it was a system error they saw where I paid it in XXXX and it should not have been reported as such. She provided me with a letter that shows XXXX XXXX, and XXXX being paid and she notated in my account that it was system error, and that she was escalating it on her end. I called back to asked if they could notate in the email that they noted in my account. It was an error and that it was being escalated where I was transferred to the supervisor who told me this was beyond her control and that because it was charged off in XXXX which has nothing to do with me making a payment and then reporting it not being made in XXXX. She was very unhelpful and told me that I needed to get the credit bureau on the line because my account was charged off, however, three other agents were able to provide me with information stating that I indeed paid it they can see where I paid it and unsure as to why it reported to the credit bureaus as 30 days late for the only month of XX/XX/XXXX she kept referencing that my account was charged off. I never denied it and as of today, three months later from the charge of the account was paid in full I explain to her that I wasnt negating the fact that my account was charged off, I was trying to get the XX/XX/XXXX late payment removed from my credit report because it was indeed paid on XXXX XXXX just like XXXX and XXXX and those reported fine she was very unhelpful, she did not listen and disregarded what her last XXXX employees told me and notated in my account. I have the email from the agent and the paid screenshots from my affirm account
Consumer complaint received 2023-04-20
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. (LA)

Attempts to get company to cooperate in proper investigation and removal has been unsuccessful. 
A write off / charge off is reported as gross income to the IRS. 
This company is reporting gross Income to all credit reporting agencies as debt. 
Gross income does not get reported on a consumer report. 
This makes the reporting of this account inaccurate.
Consumer complaint received 2023-11-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

In XX/XX/XXXX, I checked all 3 of my credit reports and discovered that there is an inaccurate debt noted on my XXXX and XXXX credit reports. This false debt is being reported by a collection agency known as Vance & Huffman , LLC. It is being inaccurately reported that I took out a loan in the amount of {$250.00} in XX/XX/XXXX. I immediately disputed the claim with both credit reporting agencies and contacted the original company from which this false debt came from - XXXX XXXX. I called XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX relayed to me that I do not owe them anything, I DID NOT TAKE OUT ANY LOAN in XX/XX/XXXX. XXXX XXXX agreed there has been FRAUD and IDENTITY THEFT against me and escalated the matter to their Financial Crimes division. XXXX XXXX has said that they would contact Vance & Huffman to remove this invalid debt. So far, Vance & Huffman have failed to remove this false debt on my credit reports as my disputes have been refused by them. This inaccurate credit reporting has caused me financial harm and emotional distress. My credit score and financial standing have been horribly affected by this blatant misinformation. Vance & Huffman LLC is violating the law by reporting inaccurate and false information about me on my credit reports in trying to collect on a fraudulent claim.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (LA)

My XXXX  was stolen from me and was used to make fraudulent charges as well as open a new credit account. They bypassed all of the built-in security measures that the XXXX is supposed to have.
Consumer complaint received 2023-04-20
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. (TX)

The collections listed below need to be removed from my credit report because there's no paperwork that legally verifies them. This is false reporting and a violation of section 609! How can you continue to report, while they continue to attempt to collect by reporting, when neither one of you can prove that these accounts are mine? I was told that there's no record of my info matching these accounts, so why are they still reported on here and how can you be verifying them as accurate? It's absolutely impossible and I believe that there isn't even an investigation occurring. Without signed contracts, a copy of my id and ssc, these accounts are illegally reported and need to be removed at once : XXXX XXXX  XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax has been reporting and sharing invalid personal information, addresses, telephone numbers, employers as well as accounts and inquiries that are unknown or no longer open! My personal information has been shared to other telephone numbers and I have no idea how the numbers were even found.
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Immediate Credit Recovery (TX)

In  XXXX     2017  I applied to have all my student loans consolidated  and was notified that  XXXX  of my loans were about to default and I needed to fill out a for to add the  XXXX  borderline defaulted loans to my consolidation, which I did. In the process of waiting for the consolidation to be finalized and the  XXXX  loans added into the consolidation, I am told the  XXXX  loans defaulted and went into collection but I was also told that it was within the 180 day rule and that I could still have the  XXXX   loans consolidated. Meanwhile, without any prior notification or packet, which the   XXXX   XXXX   XXXX   center and the Department of Ed representative told me I was entitled to in order to prevent wage garnishment, but that did not happen an d on  XXXX   XXXX ,    2017  my payroll was garnish for $  XXXX  without any warnings or prior notice, my address has not changed and I am receiving mail at my   XXXX   XXXX   XXXX  . The amount of the defaulted loan is a little of {$2000.00} and I am being garnished for $  XXXX  and told the only way out is to pay in full up front or have the Department of Education  send a Stop  Notice. When I contact   XXXX   XXXX  , I 'm told I must get the Debt Collection Company to agree to release the garnishment to have them added into the consolidation and the Debt Collection company, Immediate Credit Recovery tells me that it is no such action, once in garnishment always in garnishment until paid off or enter into a rehabilitation program which is additional monies on top of the garnishment, which has already put me in a financial hardship and no way out ...  XXXX  Can someone tell me which information that I was given is correct and the steps to take in order for me not to be destitute?
Consumer complaint received 2023-11-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Albert Corporation (MI)

I was informed that an account with Albert financial institution for a product called genius was opened under my name. This was a fraudulent account and included my correct name, email address and birthday but the remainder of the information was wrong ( phone number, marital status, children, annual income, whether I rent or own my home, etc ). 

I took screenshots of all the information I was able to find once I was able to login to the account. The account was linked to a chime savings and checking account that I do not own. 
Albert does not provide any way to speak to a live human. They only have a support text and email. I would like proof that the account was closed and any paperwork related to whoever opened the account as I have filed a police report with my local sheriff department.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Credit Systems,Inc. (NC)

I received a letter from the  National Credit System   XXXX / XXXX / XXXX  in reference to a debt from a  apt . c omplex called    XXXX   XXXX   XXXX   .  that I use to live in. In  XXXX   XXXX  or so I filed a dispute in reference to I think  XXXX  and some change that I wrote about on my credit report for which I did n't hear anything else about it so I thought this issue was over I had to put a deposit down between  XXXX  or  XXXX  and they kept it which was enough to cover the normal wear and tear of a apartment that I lived in for almost 3yrs and I took pictures of the way I left the apartment and I believe they are over charge to get more money and for National Credit to send a letter stating that they would put liens on my property, garnishes wage and take me to court to get more from me and it was in my best interest to contact them. I felt their letter of intent was rude and illegal and I am not sure how companies get away with this behavior but they need be shut down by the federal government and the money they are claiming I owe I do not and it was stated in my explanation on my dispute that I did with my credit report.