davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CCF Intermediate Holdings LLC (CA)

I was going to California check cashing here in XXXX and one day I went there and cashed a check and after I asked for a print out of the checks I cashed there for the state controller 's office and I noticed there where checks on the paper that I did not cash I talked to the XXXX manager there at california check cashing and told her there are checks on this paper that I know I did not cash I asked her please do not allow anyone to cash any checks of mine here because they are stollen well XXXX weeks passed and i went back in there and got a print out and at that time there was XXXX pages of checks know i told the same person XXXX the manager i asked her why is all these checks being cashed she told me she didn't know that it wasn't her so i got the number to the corporate office and called them and the lady XXXX said to call and make a police report and I did that the case number is XXXX AND XXXX XXXX XXXX XXXX AND XXXX and every check has finger prints on them and they are not mine
Consumer complaint received 2024-04-03
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as DELETE the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2023-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (AL)

I have tried numerous of times to get XXXX to remove this fraudulent account. I have called and talk to numerous people about this account. every time i talk to one representative they move the collection to another collection agency. This account is not mines. I only ever check to see if XXXX comes to my residence which they do not. I have tried to resolve this account numerous of times with XXXX and no resolution. not only that XXXX have taken money out of my account numerous times for this account. i have a police report for identity theft and they keeping this account open is not accurate information
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (WI)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) CXXXX {$290.00} XXXX XXXX Charge-off {$5800.00} XXXX Charge-off {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX BXXXX XXXX XXXX ) XXXX {$440.00} XXXX XXXX {$440.00}
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (OH)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-23
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. (TX)

I submitted a letter to the XXXX Credit Bureaus to update or remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2022-12-06
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. (GA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} ; XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$30.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : {$8200.00}. 
XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-06
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: ENOVA INTERNATIONAL, INC. (IL)

I am stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

The wire transfer send from my XXXX bank XXXX Wells fargo bank account on XX/XX/XXXX went through on the same day but wasnt put on receiver account. Wells fargo ask for additional information on XXXX which is not required for wire transfer under XXXX ( my address, tax id, nature of business ) but my bank didnt notified me even I called multiple times. Only when they allow me to open case on wire investigation they ask me for that additional information which was provided right away but money was still not deposited. The seller cancelled my transaction I have additional fees and expenses go with that. As today XX/XX/XXXX over 20 days after transfer was send, money is still not deposited and not returned to me. Wells Fargo not responding to my bank representative, my bank telling me to wait and there is nothing that they can do
Consumer complaint received 2022-12-23
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. (CA)

I have a loan with XXXXXXXX XXXX XXXX have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$0.00}.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have a loan with XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX  but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$0.00}.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXX did not credit my XXXX direct deposit for social security and XXXX to my account on the correct days. Since sending a copy of XX/XX/2021 prior to this complaint. I highlighted the date of XX/XX/2021 It now reflects credit dated XX/XX/2021. Proving there has been changes to my past records. In 2021 my social security differs from the Government disbursement dates. These dates are according to there statements listed today on line. 

LIST AS FOLLOWS. YEAR 2021. 

XX/XX/2021. XX/XX/2021. XX/XX/2021. XX/XX/2021. 
XX/XX/2021. 
These are reflected as current dates my Social security was credited to my account. These were not the days I received my check according to Social security Disability. 

I know these dates are not true because I rely on my social security every month to pay bills. I would have not have waited until the middle of the month. My account has been compromised incomplete statement dates, changing of credits and amounts, entire days removed from my checking account. Payments from XX/XX/2021 that was transferred from my checking to my savings account was posted as a payment to my mortgage account. I transferred XXXX to save toward the total balance that was paid off in XX/XX/2021.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (NY)

I'm called almost weekly by Harris & Harris about debt collection. The voicemail is always a prerecorded message from someone named XXXX XXXX asking for me to contact one of their representatives. I've checked my credit report multiple times and have yet to find any trace of collection notices. I'm worried to call back because I do not want to be taken advantage of. They've called on the following dates this year from multiple numbers : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XXXX.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX - XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I have applied for the offer extended to me by The Huntington Bank that required {$3000.00} spend within 90 days. 
Since I was working abroad until XX/XX/2022 I have called the bank upon my return on XX/XX/XXXX and inquired the current TOTAL spend on the account upto that date. The figure I was given was {$1500.00} which should have included a refund from XXXX XXXX ( over {$100.00} ) that took place back in XXXX before I left the country. That's what the meaning of the word TOTAL is. I then was informed that I have to meet the spend of {$3000.00} by XX/XX/2022. Thus the TOTAL spend taking place was {$1500.00} until XX/XX/XXXX and additional {$1500.00} in purchases until the XX/XX/XXXX offer 's closing date giving a TOTAL spend of {$3000.00}. 
When I called the customer service on XX/XX/2022 I was told that the info provided to me during the call on XX/XX/XXXX was incorrect and the {$3000.00} spent wasn't met thus I do not qualify for the {$300.00} bonus. Please note that the total spend on all of the card during its existence approx {$3200.00}. 
Frankly as business owner it is truly appalling the the customer service supervisor was not even professional enough to listen what the customer had to say but to talk over the person with a very arrogant and unprofessional demeanor. Furthermore when I asked for a personal ID he told me that he doesn't have to give to me and the only info he would produce is that the call was taken out of XXXX ( MI? ) location.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

On XX/XX/22, we noticed an {$8100.00} withdrawal from our checking account with First Horizon Bank. Upon further inspection, we saw that a check we had written to the utility company XXXX XXXX XXXX, XXXX, and XXXX ) for {$220.00} was changed to {$8100.00} and the payee changed to XXXX XXXX. This check was originally deposited into a blue USPS mail box at the XXXX Tennessee XXXX XXXX. We immediately notified First Horizon who told us to file a police report with the XXXX Police department. We filed a police report and completed an affidavit at the bank on XX/XX/22. We were told by the bank it could be 3-6 months before we receive our money back. At the end of XXXX, the detective for the XXXX police department informed us that she had completed her investigation and turned the investigation over to the US Postal Inspectors. She stated there were multiple victims and all had received their money back except us. She said she would email her contact at First Horizon to inform them. We called First Horizon to inquire about our funds who told us the investigation is still pending, and that the check was deposited into an ATM at XXXX XXXX XXXX, so they are waiting on XXXX XXXX XXXX to give the money back so they can credit our account. We were also informed that only a branch manager can provide a provisional credit. We called the branch manager who said she will not provide us a provisional credit for this amount. We have been banking with First Horizon for over 50 years and have always had our accounts in good standing. We have filed two complaints with First Horizon XXXX XXXX on XX/XX/22 and XX/XX/22. On XX/XX/22 a First Horizon representative told us that she spoke with security and they said we need to call XXXX XXXX XXXX and ask them to give our money back because XXXX XXXX XXXX  will not speak to a 3rd party. This answer is unacceptable. On XX/XX/22 we received a letter from the DOJ victim notification system informing us that the person responsible for the stolen check has been in XXXX XXXX Custody since XXXX and has a court date in XXXX. The defendant is charged with robbery or burglary- mail, money, or other property of United States and theft or receipt of stolen mail. We again informed the bank on XX/XX/22 to prove to them we are victims. They asked that we send them our victim notification letter as proof. I have asked multiple times to speak with someone in security but never receive a response. Our funds are being withheld from us by our own bank and we have been told its up to us to get our funds back from another bank who we do not have accounts with.
Consumer complaint received 2022-12-06
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. (IL)

I have hard inquiries that are fraud this does not belong to me this one is from XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX phone number XXXX and the enclave was XX/XX/XXXX The next one is XXXX XXXX XXXX  of F I guess this is Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and the inquiry was XX/XX/XXXX The next XXXX XXXX  XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX no phone number inquiry was XX/XX/XXXX Next one is from Trans Union XXXX  report Inquiry XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX phone number is XXXX was requested on XX/XX/XXXX Next is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, NY XXXX phone number XXXX requested on XX/XX/XXXX The next one is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX phone number XXXX requested on XX/XX/XXXX The next one is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX phone number XXXX inquiry what is XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX the inquiry was on XXXX
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was issued the check XX/XX/2023 for the amount of XXXX from a XXXX XXXX bank which I deposited to my Bank of America account. There was a hold placed on the said check. For the following day, I deposited my paycheck from my regular work with the amount of XXXX XXXX  with this being a regular check that I have been depositing for the past eight months a hold was placed again on this check now reading through that my federal banking rules {$200.00} of that XXXX should be available in my account within one business day or two business days I already reached out to Bank of America in one of local bank near me. And also called the XXXX number that they provided me with hopes to get a clear at least on my regular paycheck as bills are getting due. But the agent i spoke with only recommended that i activate the overdraft in my account so that my bills would go thru. I asked them specifically if they would waive the fee if overdraft or for late payment fee as this isnt even fair for them to do this. For a person living paycheck to paycheck. I can not afford to pay late fees. Im really disappointed how bank of america handled my situation.