davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
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)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On Friday, XXXX XXXX, 2023, at XXXX XXXX, I made a cash deposit of {$500.00} to a Wells Fargo checking account via ATM # XXXX ( XXXX XXXX XXXX, XXXX, TX ). The ATM malfunctioned. It started to continuously scan the deposit ; then it went out of service. I called XXXX ( XXXX ), while in the ATM lane and got passed around to many people ( regular bankers, everyday bankers, phone bankers, and escalation banker ). None of the WF personnel could help. They all read from a script : ( XXXX ) You have to wait, until they reconcile the ATM at the end of the day. ( XXXX ) It could take up to XXXX business days. ( XXXX ) You need to call back and ask for a provisional credit. ( XXXX ) You need to contact the claims department. ( XXXX ) You need to contact the ATM Operations Department. ( XXXX ) I'm transferring you to Escalation Banking. ( XXXX ) I can't help. You need to contact a different department. ( XXXX ) After XXXX hours, we can't help you. 

On Friday, I talked to XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. Finally, I got a {$.00} credit on my account, but no one could help locate my {$500.00} deposit. The claim number is XXXX.
Consumer complaint received 2018-02-26
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. (TX)

II sent a dispute to XXXX  XXXX  in regards to account number XXXX and Equifax , XXXX  , and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XX/XX/XXXX for non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XX/XX/XXXX. they also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA. m
Consumer complaint received 2023-01-22
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)

Experian is reporting a derogatory account on my credit report, without my consent. This negative account is damaging my credit reputation and credit worthiness and causing me to be denied access to credit. I have disputed this account with the original creditor, and they failed to provide validation of the alleged debt. This company that is reporting this account now has no authority to do so, nor do I have any agreement or contractual obligation with them regarding this derogatory account. Experian is currently reporting the same defamatory account twice on my consumer report by two different companies. XXXX XXXX and XXXX XXXX XXXX. 

Please be advised that the original consumer credit transaction was based on an uninformed decision, and fraud by the alleged original creditor and unauthorized use. Your failure to cease and desist from reporting these defamatory accounts will evidence your collusion with these two companies in infringing on my right to privacy, defamation to my character and credit worthiness, and multiple violations of federal law by furnishing, and reporting unverified, fraudulent, and negative account information on my consumer file and consumer report without my express written consent.
Consumer complaint received 2022-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

XXXX. XXXX {$1200.00}. I've received a bill stating I owe this amount. I've sent a validation letter for specific consent information that this is my dept. Like a contractual agreement I made with my hand written signature or what medication that I've received. They didn't send me that. So I sent a second validation letter stating I would take further steps. They sent me a bill from original creditor. I've been in contact with them trying to figure this out. I even reached out to the police department records unit. Which I have the email. Stating that they have no record that this incident happened on those dates. I will attach email. At this moment I'm in conversation with original creditor now to investigate this situation
Consumer complaint received 2022-12-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Elevate Recoveries, LLC (GA)

XX/XX/22 A female agent called to discuss a collection that I have. I told her that I can't make any payments until after the 1st of the year. She offered a settlement option and I told her again I don't have any extra funds until after the 1st of the year. Then she began harassing me and continuing to question why I can't make a payment, that I've owed the amount for over a year. I told her I didn't care about that I'm not making any more payments until I can afford to. She begin to mock me, be very disrespectful and unprofessional. I called back and got the same type of response from a different employee. I can't believe people like that represent a collection company.
Consumer complaint received 2019-12-13
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: NCB Management Services Inc. (GA)

I've disputed alot of different errors on my credit reports including company XXXX XXXX which is still reporting late payments and I haven't been late. Also XXXX XXXX XXXX  is still reporting wrong info to the credit bureaus and haven't provided me with any proof of their verification process on verifying the alleged debt and failed to remove items from my credit report. The investigation results remain the XXXX same and I'm tired of this, I'm tired of these creditors and credit bureaus not complying with the law. Also NCB has been reporting late payments on my XXXX report and that's illegal especially if I never made any type of agreement with them, I have proof. Another thing I wanted to bring up is that the company XXXX is reporting an account on my credit reports that they no longer own, and this account needs to be removed. I've attached my credit reports and dispute letters to this complaint.
Consumer complaint received 2024-03-15
Product: Credit reporting 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)

I received a copy of my credit report and found the following items to be errors. Here, as follows are items in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (MD)

I was with a group of XXXX from XXXX XXXX XXXX from XXXX ( 2023 ). During this time, my debit card was stolen from my purse and used twice ( i.e., she took it from my purse, used it and then did it again ) ; hence, I never knew my debit card was used until I went and looked at my account on Monday morning. I contacted several of the stores, and even went to XXXX XXXX. The Managers at XXXX, and at XXXX described the person who made the transactions. The description matches that of XXXX XXXX, a XXXX that was recently expelled from the XXXX XXXX XXXX. XXXX XXXX was the only person close enough to me to have done this. I am legally XXXX and require assistance with reading things. So, XXXX was at my mom 's home with me and did go several places with me. I reported all of this to XXXX XXXX, Director of the XXXX XXXX XXXX, and also to the XXXX XXXX Police. The transactions include 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 XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 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 XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Truist Bank denied some of the claims, and is still investigating others. I have been advised by Attorney XXXX XXXX to file this complaint ; and I have also reached-out to the Attorney General 's Office.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Someone from " Chase Bank '' texted me asking if I approved transactions ( {$1300.00} and {$9900.00} ) and I texted back NO. The number that texted me was ( XXXX ) XXXX. Then I received a call from ( XXXX ) XXXX to dispute the claim. The individual on the phone asked if I had made these transactions and I said no. They then sent me a link asking me to log into my Chase account ( which I did ) and then asking for information such as my address, pin, birthday etc. I logged into my account and then when I got to the next page asked how was I sure this is really chase. They said I could be sure because the website said chase. I then asked if I would get my money back because I don't have $ XXXX. They immediately hung up before I could add in my information to the site. I went to my chase account and changed my username and password as soon as possible. I also called Chase and requested a new card.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I, XXXX XXXX XXXX, report identity theft. Found unrecognized XXXX XXXX  card XXXX {$700.00} balance. Also, unauthorized credit inquiries : XXXX - XXXX XX/XX/2024 XXXX XXXXXXXX XXXX Business : Mortgage Reporters XXXX XX/XX/2024 XXXX XXXX, MN XXXX : Finance Companies Have closed unrecognized card, filed police report, and disputed with credit agencies. Request thorough investigation and restoration of credit integrity. Will cooperate fully. Urgent attention appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-12
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The debt was originally with XXXX XXXX I reached out to XXXX XXXXXXXX on XXXX XXXX to advise that I would like to pay the debt. I was advised that the loan was no longer with them and given to collection company XXXX XXXX. The loan was sent to the collection company XXXX XXXX. I paid the debt off on XX/XX/XXXX in full and was advised that XXXX XXXX would send a letter to delete the debt to all the reporting credit bureaus within 90 days of payment. I received a letter through email from XXXX on the date of payment XXXX XXXX that I paid the debt, that I will attach. As of XX/XX/XXXX the debt remains on credit report with Transunion. I called and spoke with XXXX at XXXX on XX/XX/XXXX and was advised that they had sent communications to Transunion to delete the debit. I advised XXXX that the debt was still present and XXXX advised that I needed to deal with Transunion directly. I called and spoke with a rep at Transunion that same day as to which I was advised they had not received any documentation from XXXX XXXX. The account number of the debt is XXXX
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

My mortgage is owned by XXXX XXXX. I make automatic payments via my checking account evey XXXX weeks, so I actually pay a month in advance. ( 1 ) In XXXX, 2017, I noticed an increased amount taken from my account. When I called to inquire, I was told it was because of taxes and shortage in escrow ; when asked what would have happened had I not had extra money in the account, the rep said they would have reimbursed me the overdraft fees. ( 2 ) I get the increased escrow note in XXXX, with a date of XXXX XXXX - I call to get an understanding, get the shortage in escrow story and decide to pay the escrow to keep my bi-monthly payments low. Since XXXX, no withdrawal from my account has been the same. I call XXXX XXXX, speak with a representative and nothing changes. The last representation told me she would escalate my case and monitor it to make sure the correct amount comes out ; yesterday, still an increase. Who do I hold accountable - how do I get compensated? When does it stop?
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-02-14
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. (NY)

I've been calling companies for a few months now they're either nasty or just outright hang up the phone and tonight is the last straw because I got the phone hung up again in my face. I am a victim of XXXX  XXXX and I really do think that my estranged husband or someone he's associated with is accessing my credit file without my consent.. I have inquiries that I did not make on my credit file trying to get loans and also a lot of addresses that I do not live at.. they also breached my information... I've also told them about my XXXX  XXXX situation and they just don't care.. I work so hard to repair my credit and remove these items and they're right back
Consumer complaint received 2023-10-09
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (FL)

I called the direct phone number for XXXX XXXX of Williams & Fudge Inc. today at approximately XXXX am today ( XX/XX/2023 ). A gentleman answered the phone and he told me that XXXX XXXX was attending to a personal matter today but he could help me. 
I asked the gentleman if he could send me in writing that the collection would be removed from my credit report if paid. He told me that he would not and that Williams & Fudge does not report anything about a debt being paid to the credit reporting agencies. He continued to state that they would simply cease sending any further data to the credit reporting agency and Williams & Fudge Inc won't even report that the debt has been paid. The gentleman told me that I would have to take care of the credit report myself. 

This didn't make any sense ( and I told the gentleman that ), and he told me that he wasn't going to argue with me and was not going to send anything in writing. 

After that call, I contacted XXXX XXXX XXXX to find out if what he said was true. 

The XXXX representative explained to me that it is the creditor ( the debt collector ) that is responsible for sending the information about the account if there is a change to the information contained in the credit report. 

Therefore, the gentleman who answered XXXX XXXX 's direct phone number at XXXX a.m. on XX/XX/2023, either lied to me or just didn't want to deal with me.
Consumer complaint received 2022-12-16
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. (IL)

This is my secondary 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 Balance : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.