davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (CT)

I keep getting told that I have to talk to corporate. Corporate customer service is terrible. I was supposed to be contacted in seven to ten banking days and its been over twenty five days still no contact. They are saying that I owe them money and I say that the statute of limitations is over eight years. They stated I made a payment in 2005, which I never did. The bank had a class action lawsuit that paid me {$160.00}. They are ruining my credit report.
Consumer complaint received 2017-05-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MA)

A loan modification request packet was faxed to the lender on  XXXX   XXXX  and additional documents faxed  XXXX   XXXX . This packet included a TPA for authorization to get an update on the modification review. The lender did not upload the tpa in time so when I called the lender on  XXXX   XXXX ,  XXXX  they could not provide me with an update. We called back  XXXX   XXXX  and representative  XXXX  id #  XXXX  advised they received the packet but does n't look like it has been reviewed yet. We were provi ded the SPOC i nformation for  XXXX   XXXX  email :  XXXX  XXXX  XXXX   XXXX . Called back again on  XXXX   XXXX  spoke to id #  XXXX  and nothing had been reviewed yet. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  an d SPOC  was not available and there was no review update. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  and there was no review update and spoc was not available. An email was sent to the spoc assigned on  XXXX   XXXX  with no response. Called in today  XXXX  and there was still no review of documents on file so I spoke to a supervisor  XXXX   XXXX  and he submitted a reassignment of the loan to a new point of contact to review the loan modification packet submitted and uploaded by  XXXX   XXXX . I was told the new representative will nee d 5  business days to review the documents before they can provide me with an update. He also stated that they will most likely ask for new financial information because the time that has passed. Well the time that has passed is due to the lenders fault so if the packet was complete in  XXXX  it is complete now and we should n't have to resubmit new financials because of the lender not doing their job.  XXXX    XXXX  spoke to  XXXX  id #  XXXX  informed that the modification was not approved. Requested a repayment plan. On  XXXX   XXXX , Repayment plan has not been approved. A call was made daily since  XXXX   XXXX ,  XXXX  to  Citi to req uest information.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MT)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-02-03
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

LexisNexis document listed me as a male. As a born female, I requested on multiple verbal communication, certified mail with copied proof of state-issued id and social security card to have my name corrected. After multiple attempts failed, I certified mail their LEGAL TEAM of this concern. The first request was in XX/XX/XXXX, I requested name correction, gender correction, an apology letter, and monetary compensation. As of XX/XX/XXXX, this company has only updated my name and gender. 

I AM STILL WAITING FOR AN APOLOGY LETTER, MONETARY COMPENSATION, AND THE DELETION OF THE ENTIRE FILE. 

THE FILE SHOULD ONLY HAVE AN ACCURATE NAME, CURRENT ADDRESS, PHONE NUMBER, DOB, LAST 4 OF SSN, AND GENDER FEMALE.
Consumer complaint received 2017-05-19
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 (FL)

I was a loyal customer of  Wells Fargo (    which I foundly remember as  XXXX  ) for almost  XXXX  decades. I had been experiencing some issues with my account being overdrawn and tried to contact  Wells Fargo  on numerous occasions via telephone, on my online account, via email and even in person at the local branch but, to no avail. As a result, my account was closed because of their failure to get back to me in a timely manner to resolve the problem. I relied heavily on my online account with  Wells Fargo  to keep track of my finances and I must say that I have been very inconvenienced by their lack of support in helping me resolve this issue.
Consumer complaint received 2023-05-19
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Account  Resolution Services  has been reporting a medical collection debt to various credit bureaus since the debt was assigned to them in  XXXX . The collection is on a debt supposedly incurred in  XXXX , when I was insured and would not have been charged for  XXXX   XXXX . I never received any bills from the hospital, nor did I receive any notification of collection from Account  Resolution  Services. My first notice of the debt and collection was when I discovered it on my reports after being denied credit. Needless to say, it was a shock to find that my credit was unfairly damaged by a debt I never owed.     Earlier this year, I disputed the debt with Account Resolution Services, in writing, sending it directly to the address they are reporting as theirs in their tradelines --  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL  XXXX . Again, this is the address they are publishing on their reports to the credit agencies. So, to add to my frustration, my dispute has been returned undeliverable, as the address seems to be incorrect. It seems that even if they had notified me of the collection in the correct way, I wouldnt have been able to dispute it within the normally given 30 days. I now find myself questioning the legitimacy of not only the debt, but the company attempting to collect on it. I 'm pretty sure that a debt collector which obfuscates its real address in its reports to a credit bureau would run afoul of the Fair Debt Collection Practices Act. If  ARS  ca n't even report its own address correctly, what makes anyone think its data is any good?
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (IN)

XX/XX/2023. I woke up with my Chime banking account being hacked for the amount of {$2100.00} XXXX I woke up with a text message stating that my phone number had been changed in my chime account and they had received a verification code to the new number put on the account. Which seems like a flaw in the security measurements being done because it required no verification from me before allowing them to change this number or no double confirmation. Now they have all my important information and all the funds in my account had been transferred over to someone elses credit card through their phone number. I had then called chime immediately and they opened a dispute on the same day XX/XX/XXXX regarding this but were still trying to make it seem like this was my fault. I have XXXX cents remaining in my account for bills, food and basic living. And they said it can take up to five business days just for them to begin investigating this. Im certain their investigation will lead to them not being liable.
Consumer complaint received 2017-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MN)

I sent {$3000.00} through  Western Union  money transfer online service to  XXXX  on  XXXX   XXXX   2017. Th e service was promised to receive my in recipient account within  one  business day. But even today on  XXXX   XXXX   2017, m y  XXXX  account did not credited with money I sent.  XXXX  equivalent amount is  XXXX    XXXX   I spoke to  Western Union  people 3 times so far they were unable to explain where my money went and they could not provide any email proof to me that how and where they sent money.     I happened to spoke to international bank about it but unfortunately they did not receive any money or without any transaction tracking details they were unable to help me  Western  union only gave me this : Tracking # ( MTCN ) :  XXXX   XXXX   XXXX  which shows transaction complete.
Consumer complaint received 2020-07-29
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. (PA)

I have disputed this account from Equifax, I mentioned to them that this account is not mine and I also included my police report and FTC report. The account from XXXX XXXX XXXX XXXX is still reporting despite that I asked Equifax to remove it from my file multiple times.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

Under the new Rule REGULATION F, effective XX/XX/2021, it has come to my attention that MIDLAND CREDIT MANAGEMENT has violated the FDCPA 1006.30a and its new rule by reporting this alleged debt. 
To clarify, I have not provided written permission for any entity, including MIDLAND CREDIT MANAGEMENT, to report any information on my credit profile as per 15 USC 1681b2. This constitutes a clear violation of my rights under the law.
Consumer complaint received 2022-11-29
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. (FL)

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 name : XXXX XXXX XXXX Account 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 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 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I put a complaint to you under the number XXXX, which was closed by the response from SPS, where it said that they had sent a check to my residence on XX/XX/XXXX. To date, the check has not arrived and I called SPS again and they told me that it could have been lost and that if I wanted to, I could open a new case. Already in XX/XX/2022 they had told me that they had sent a check that never arrived. The response that SPS gave you in complaint number XXXX is totally false and they have never sent a check, so I need you to help me get this company to return my money seriously and quickly with interest.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account No. : Ending with XXXXXXXX XXXX XXXX Account XXXX. : Ending with XXXX XXXX XXXX XXXX. Account XXXX. : Ending with XXXX
Consumer complaint received 2022-11-29
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. (FL)

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 name : XXXX XXXX XXXX Account 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 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-19
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid 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. (WI)

On XX/XX/XXXX I ordered a XXXX XXXX '' grddle advertised on XXXX through Wayfair  for XXXX. Upon receiving my receipt I could tell this wasn't from Wayfair and didn't look right. 
There was a button on the receipt asking me to add my paypal account login info. I immediately tried to cancel to no avail. I then contacted Citi and instructed my card be cancelled due to a fraudulent transaction. Citi complied. I never received the griddle. They started an investigation which concluded on XX/XX/XXXX finding that because I ordered the griddle,, I was responsible fro the payment and charged my card. I immediately contacted CITI who said it shouldn't have been filed as a fraudulent transaction but rather a purchase dispute. They said they would proceed as such. On XX/XX/XXXX I recieved a letter that the investigation is close, there was no reimbursement. When I inquired, i was told because it was initially filed as a fraud complaint it couls not be re-opened. i have substantial screenshots showing this was a scam seller, screenshots of communications that I could never offer Citi. There guarantee of purchase protection is falsely promised. I am hoping CFPB can help me sunset this matter in a just manner.
Consumer complaint received 2023-09-01
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. (IL)

On XX/XX/, I sent a certified letter to Equifax detailing inaccuracies in my credit report. Equifax received this letter on XX/XX/2023. Within the letter, I provided a thorough account of the issues in my credit profile and attached a notarized letter for validation. Copies of my identification card and social security card were also enclosed for identity verification. Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), such disputes should be addressed within 30 days. 

However, instead of addressing the issues, Equifax responded on XX/XX/, asking for further identity and address verification. Interpreting this as a delay tactic, I approached the CFPB and filed a complaint on XX/XX/. The case closed on XX/XX/. 

While I appreciate the CFPB 's efforts, I am dissatisfied with Equifax 's response. There are several inconsistencies : Inconsistent Communications : Despite Equifax 's claims of multiple investigations, I have only received two responses. The first was on XX/XX/, requesting more verification, and the second was on XX/XX/, noting they were still processing my initial dispute. 

Address Discrepancies : Equifax sent information to two addresses in the same month, raising concerns about their process 's reliability. 

Public Record Concerns : Unlike my XXXX and XXXX reports, Equifax 's report mentions public records, indicating potential inaccuracies. 

Having endured identity theft, I am acutely aware of the pivotal role of precise credit reporting. The ongoing presence of these inaccuracies jeopardizes my entitlements to vital services, including credit access and housing amenities. I sincerely hope Equifax acknowledges its obligations under the FCRA, respects consumer rights, and ensures a swift resolution. 

Equifax 's approach suggests they have not genuinely resolved my dispute nor complied with the FCRA 's guidelines. I urge the CFPB to reconsider my case or guide me on the next steps. I trust the CFPB to ensure fair practices and accuracy for consumers like myself.
Consumer complaint received 2017-05-05
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. (VA)

XXXX   XXXX   dob   XXXX / XXXX / XXXX  SS #  XXXX   XXXX / XXXX / XXXX    XXXX   and Experian and  XXXX  will not investigate the correct my credit report.     I have send them many letters to correct my   XXXX   account and they have failed to do so, so I am submitting docs the prove my account with  XXXX  is closed and has a zero balance.
Consumer complaint received 2023-05-24
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: Credit Corp Solutions Inc. (NY)

This company claims i opened a account with them XX/XX/2022 i sent multiple letters asking to state proof which all they sent was an itemized printout of what they claim is my account or billing statement, which is that printout does not represent verification.i feel this company keep violating my rights. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.