davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

On my credit report a public record labeled " XXXX XXXX XXXX  TN XXXX '' is allegedly being reported from the XXXX XXXX XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the XXXX XXXX XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I was called by an individual calling himself " XXXX '' with XXXX XXXX. He claimed that I was past due on my final electric payment from my previous residence from a year ago and I would have to pay my balance and fees to XXXX. The number he called with was the XXXX customer service number. 

The total he said was {$300.00} He directed me to pay " XXXX XXXX '' via Zelle. The name and number that came up for " XXXX XXXX '' was XXXX and the number was XXXX After I sent the amount, he got very pushy and was requesting that I send another quantity, which I then realized what was happening. I hung up, he tried to call back multiple times using the actual XXXX XXXX customer service line. When I called the number back and got XXXX on the line, they confirmed that it was in fact a scam, and that I did not owe any amount of money to the company. 

I called my bank, XXXX, and filed a fraud claim.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

The date was XX/XX/2023 around between XXXX XXXX for the amount of {$120.00}. I contacted the merchant to let them know it was not authorized to cancel and refund. They agreed to do so in 5 days after payment clear. I contact my bank as well the merchant said to speed it up. The bank can verify the transaction was completed. They refused cause company policy does not allow for the phone calls to be provided. I waited and called once more. I was told something different this time. So I contacted the bank they claim its no error and refuse to give an explanation when they bluntly violate regulation E among other state & federal laws. The documentation used was just a screen shot of the transaction and thats all.
Consumer complaint received 2015-04-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC (TX)

Bay Area Credit Services has been harassing my in-laws for an emergency room debt that has long been paid and had nothing to do with them. I 've told them the debt was paid but they do n't believe me and wo n't furnish the proof that I owe anything. I have the receipt and confirmation of payment, as well as proof from my bank account but I refuse to send them any of my personal financial information. The callers have been rude, unprofessional and abusive. They have screamed at me and hung up on me several times.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-11-10
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I deposited {$1000.00} into a Fifth Third account and paid a {$24.00} account fee solely for the purpose of establishing a trade line that would report as " Always Pays As Agreed. '' While I always paid the account on-time and as agreed, Fifth Third failed to properly report all on-time payments as well as the final account payoff to the major credit bureaus as agreed and as was the only purpose for the establishing of the accounts.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ASSOCIATED BANC-CORP (MN)

XX/XX/XXXX charged a continuous fee of {$7.00} and a NSF Fee of {$36.00} XX/XX/XXXX charged a continuous fee of {$7.00} and a NSF Fee of {$36.00} My name is XXXX XXXX, Address is XXXX XXXX XXXX, XXXX, MN XXXX This is a new account, I was out of town due to a death in my family and did not realize my company had entered the last 2 numbers of my account wrong, therefore my DD 's did not hit and caused a overdraft. 

XXXX Sent an email to XXXX XXXX at the branch on XXXX XXXX and she said they would not waive the fees even though she was aware of the error. 

In a pandemic era, {$86.00} in bank fees is not reasonable. I will ensure I never have another one. Times and money are extremely tight and to me this is unethical and a money grab.
Consumer complaint received 2019-05-25
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. (AL)

I have called and disputed these things on my credit report and i have let them know that this information is incorrect. My social security number was showing incorrectly and i have since disputed and spoke with representatives to get this information corrected. There a few addresses listed incorrectly 1. XXXX XXXX XXXX XXXX XXXX, AL  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, AL  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX. 
These accounts are also listed incorrectly. 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX. There is also some inquires 1. XXXX XXXX 2. XXXX/XXXX
Consumer complaint received 2023-03-10
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I contacted XXXX XXXX to lift a security freeze on my credit report. I received a confirmation on their website that read : temporarily removed your security freeze from XX/XX/2018 through XX/XX/2018. 

On XX/XX/XXXX, my lender tried running my credit report as I am applying for a new mortgage however, the security freeze remained and my lender could not run my credit report. 

I logged into my XXXX XXXX online account and REMOVED my security freeze. My lender ran my credit report again and it still does not work. I tried calling XXXX XXXX and they insist that my account is UNFROZEN.

My online account also indicates that my credit is UNFROZEN. My lender received a response when trying to run credit that an 8 digit number is required in order for them to run my credit report. 

I contacted XXXX XXXX again and they insist my credit is UNFROZEN. I  asked them for proof and they said they are unable to provide any proof. 

I had the same exact experience with XXXX however, they are demanding a 10 digit number in order to to release my credit report. 

Equifax is a whole other issue. There website refuses to acknowledge me and I am unable to login or even create a new account. When I call them, they forward me to another country and I speak with representatives that are very inexperienced with helping me. All I am able to get from them, is a confirmation number that my account is unfrozen. Here is what I have from equifax : XX/XX/2018, XXXX XXXX ID # : XXXX Confirmation # : XXXX ( that credit is UNFROZEN )
Consumer complaint received 2022-05-25
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. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2017-11-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BB&T CORPORATION (FL)

I opened a checking account with BB & T in XXXX XXXX. About a year later my ATM card had been breached and I was concerned with hackers being able to access my checking account. I went to the BB & T branch in XXXX XXXX to move some of my funds out of the checking account and open a savings account. While opening the savings account I asked XXXX XXXX if they could link my saving account to my checking account. He said NO. I told him I wanted overdraft protection on my checking account. He stated that he could offer an overdraft protection that would cover low funds but there would be a {$12.00} charge each time it was used. The normal fee is around {$30.00}. I accepted this overdraft protection. XXXX DID NOT tell me that the overdraft protection was a " constant credit '' account. Nor did he inform me that the account would be subject to an 18 % APR. He did not inform me that there would be a payments on the constant credit account. He NEVER told me that the overdraft protection was new account based on credit at 18 % interest. In XXXX I became aware of the account because BB & T changed their online banking website. For the first time I saw that along with a checking account and savings account, I had another account. I went to the bank the same day and spoke to XXXX. He informed me that HE did not set up the account, he stated it was set up by XXXX XXXX and XXXX no longer worked at the bank. XXXX told me there was nothing BB & T could do about the account, the interest charges or fees on the account. I contacted the XXXX number for BB & T later that day and discovered that XXXX XXXX was actually the person who set up the account, he was the person who had told me in person that BB & T could NOT link my savings account to my checking account. To date I have personally contact acted XXXX two times and personally talked to the branch manager. So far they have offered to void the last 90 days of interest on the account. I have more of an issue with the fact that the bank representative, XXXX XXXX, lied to me regarding the ability to link my savings to checking. Also that he failed to inform me that his overdraft protection was actually a credit account at 18 %. I would be satisfied if BB & T would acknowledge that I was mislead and concede any debt on my behalf pertaining to the 18 % interest they charged on an account I did not know existed.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

My savings account with XXXX bank was taken over by Citizens bank earlier this year. 
I never really used this account with XXXX, and paid no monthly fees. Citizens has assigned my account to a " One Deposit '' account with a XXXX monthly maintenance fee. 
I called Citizens Bank on XX/XX/2022 and requested account closure. I was assured I would receive a check in the mail for the very small balance left in my account, and once cashed, account would be closed. The customer service rep said that the account would remain open until I cashed the check. Made no sense to me but he insisted he was following procedure. Said I would receive the check with 10 days. I did not. 
I called again on XX/XX/XXXX, and this time the customer service rep said I'll receive a check in the next 5 days. I have no reason to believe this will happen based on the lack of knowledge portrayed by customer service, and I don't want to have to call again and wait forever on the line. I just want to close this account. There are no Citizens Banks located in California, otherwise I'd go directly to the bank. There are no instructions on their website as to how to close an account. Chat service takes hours.I want to close this account before I start racking up monthly fees. Please help.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

XXXX XXXX used unallowed tactics to drive up late fees and reinstatement fees for several months. 
We do not owe XXXX XXXX anything, they owe us {$250.00}. They used a fraud tactic to produce these false charges. The account was on automatic monthly pay by credit card, but the last few months before cancelling XXXX XXXX, the company began dropping our automatic payment, leavening late fees and reconnection fee. Each time I contacted to inquire about the issue they had the credit card on file still and promised to remove the charges but instead began charging the credit card for the late fees. The fees were disputed and each time they promised to reverse them. They began calling me at all hours of the night. Started not paying the fees and that is what they are pursuing, the illegitimate fees charges thru what I believe is fraud tactics. Have found other customers that the same tactic was being applied. Several credit agencies have tried to collect, but request cease and desist and relayed the issue. Each agency never contacted me again. This is now harassment and purposely destroying my credit. 
Is there no solution available to stop XXXX XXXX from harassing me? I am elderly and XXXX on limited income and feel it is becoming elderly abuse.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CA)

Please close our loan so we may get our keys to our home, we have had our first loan XXXX approval with assistant of {$23.00} then we only needed XXXX that lone Then we had the other loan {$57.00} with approval but with XXXX down, they found a new loan to cover the whole thing just need it score XXXX my score XXXX makes no sense somethings not right XXXX score was at XXXX dropped XXXX points something went wrong I have paid to help his Score to go up should go up to at least XXXX Or over After talking to XXXX His score was pulled twice Can they please close our loan
Consumer complaint received 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (CA)

Good morning. 

In XXXX of XXXX my mortgage was transferred from DITECH Mortgage to XXXX Mortgage. In the process DITECH reported that I had not made my XXXX, XXXX and XXXX payments. This was not the case. I called DITECH and spoke to a CSR on 5 occasions in the past 40 days. Each time they told me it was an error on their part and that it would be fixed. In the past 40 days I 've received 6 foreclosure packets in the mail and the new loan servicer, XXXX shows that I 'm in default and will NOT accept my XXXX or XXXX payments. I 'm stuck in mortgage lender XXXX and ca n't get out. Can you help?
Consumer complaint received 2017-11-10
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. (NJ)

Equifax shows a collection my account with no information on who original debtor is all it shows is {$160.00} collection account this is my 3rd request and NO response this is obviously fraudulent and my SS # has been stolen
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (VA)

Received a phone call on XXXX XXXX 2015 from XXXX @ XXXX with caller ID as 'UNAVAILABLE ' Left an automated voice message stating " This message is for XXXX '' XXXX Immediately, I recognized the caller had the 'wrong number ' because no XXXX resides here ) and continued to state, "... this call is not a sales/marketing call. Hunter Warfield is a Debt Collection Agency and advised to call XXXX between M-F ( EST ) XXXX - XXXX When calling refer to number ID : XXXX. '' A return call to the toll-free and local number, each call was answered with the name Hunter Warfield in the greeting. Apparently, they are a debt collection agency. Area code for XXXX is XXXX, Florida. http : //ww2.hunterwarfield.com/ Mailing address for : Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX / XXXX : XXXX XXXX : XXXX
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed this account multiple times, it has been deleted and is now showing on my credit report again. This is an account resulting from identity theft and has already proven to be so. This should not be a recurring collection showing on my account.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I agreed to a settlement amount with the company to close the account. I made the payment at a local branch the next day and was not able to get a letter to confirm my settlement was paid off and I had a zero balance. I contacted the customer service the following business day and requested my letter to be faxed. I was told i had to wait 10 days for the payment to post then i would get my letter. After calling several times to follow up i requested my letter be faxed on XXXX/XXXX/XXXX and specifically state i have no pending payments, a zero balance and the account was settled. after not receiving a fax 2 days later i called again and was told it could take up to 7 days to receive the fax. Once received on XXXX/XXXX/XXXX the letter does not state i have settled this account or have a zero balance which is what was requested several times during this waiting process.
Consumer complaint received 2017-11-10
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: WELLS FARGO & COMPANY (MD)

Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The Wells Fargo Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.
Consumer complaint received 2023-03-10
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : 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 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