davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-07
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. (OH)

I have filed my complaint in XX/XX/XXXX I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Debt Buyer Sentenced For Fraud Conviction, Collections & Credit Risk ( November 19, 2009 ) ( quoting XXXX XXXX XXXX XXXX XXXX XXXX ). Other problems have included debtors settling with one creditor and then being sued by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ). These issues are discussed in length in XXXX XXXX, Representing Consumers in Litigation with Debt Buyers, ( XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ) XXXX/XXXX  # XXXX XXXX XXXX XXXX # 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I put {$15000.00} in as a promotion. After 90 days I tried to withdraw the money and was given many obstacles and difficulties in getting the funds. Was given incorrect information numerous times and hung up on during phone calls.
Consumer complaint received 2021-08-07
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. (GA)

I have spoken with Equifax and XXXX  regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I am trying to request my annual free credit report from the telephone number provided for Equifax and am finding it impossible. The options provided do not allow me to request a written copy of my credit report that I am entitled to. They want me to sign up online for some Equifax membership that I do not want. It is designed to flout consumer intent and is manifestly bad business. I am glad they got sued and hope they do in the future. Perhaps they will be forced to operate more transparently or even go bankrupt. We can hope and wish.
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (MD)

My fiance and I travelled to XXXX. While there, we were approached by a gentleman who gave us tickets to a " celebration. '' We later discovered, it was not a celebration, but rather a sales pitch to purchase a luxury vacation package. The pitch started around XXXX XXXX  at night and lasted through XXXX XXXX. We were told that if we bought into this special VIP luxury package, we could book luxury hotels and/or villas for a week at prices beginning at {$240.00} to {$3900.00}. The initial cost was {$26000.00}. My fiance said, " Never in a thousand years. '' Finally, they negotiated down to {$6000.00}. We agreed. I paid {$4000.00} and my fiance paid {$2000.00}. 

This was on XX/XX/2021, at around XXXX. On XX/XX/XXXX, they picked us up from our hotel to explain what we purchased and to sign the contract/Agreement. Before we signed, we went through the entire process, from start to end. We acted as though we were purchasing a week in the hotel where we were signing the Agreement. We were told, " {$2900.00} for the week. '' So we signed and agreed. 

We arrived back to the US on XX/XX/XXXX and on XX/XX/XXXX, my fiance attempted to book the hotel we had just simulated in XXXX with the company. It took over a week before we could finally get any answers. When we did get an answer and a quote, it was {$77000.00}! Luckily, since they were taking so long in getting back with my fiance, my fiance cancelled the package on XX/XX/2021 -- within the 4 day cancellation policy. 

I have tried to dispute the charges with my bank BB & T, but they are refusing to refund the money. My fiance 's bank, XXXX XXXX, has refunded his payment. We have received nothing from this company -- absolutely nothing. They are a scam company who has scammed us out of our money. They now are saying that the prices that were quoted to us during the presentation are for " service fees '' and that we are still required to pay the full price for the hotel and/or villas. This is NOT what they told us or showed us through the simulation. We were also supposed to be given a XXXX account within 8-12 weeks. We were never given that. We have nothing. Nothing at all. The bank BB & T must refund the money paid.
Consumer complaint received 2018-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MN)

Last night, XX/XX/2018 I received a call from my mother explaining that Wells Fargo had drained all of their bank accounts. Unfortunately, my checkings account was still linked to my dad even though he never uses it himself and all money in that account is made and used by me, a financially and legally independent adult, which could be proven with the tranctions therein. However, I didn't have authority to unlink him from my account and he didn't take action in time to unlink himself. So, I understand that because the account is technically joint, Wells Fargo has a " right '' to set-off any money for debts that my father owes. So I was hit with the following transaction : XX/XX/18 Legal Recovery Set-Off, XXXX {$1900.00} But I just find it absurd how I haven't been given any information prior nor any useful information after trying to contact them. Any attempts to contact them are met with " there's nothing on your account, your dad would have to contact us, it's a government thing, we don't have any other information for you. '' etc. I've called the number on the transaction, their XXXX number, and emailed them all to get mostly non information. They are making no attempt to work this out with me or even explain to me what exactly is going on. This will disrupt my ability to pay bills in the near future.
Consumer complaint received 2021-08-07
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (AZ)

ACCORDING TO WELLS FARGO BANK ON XX/XX/2020 SOMEONE ORDERED AN ITEM ON XXXX WITH MY CREDIT CARD AND HAD IT SUCCESSFULLY SHIPPED TO MY HOUSE VIA XXXX. XXXX CLAIMS THEY RECEIVED MY SIGNATURE UPON DELIVERY, BUT THEY SENT ME A COPY OF THE SIGNATURE AND IT DOES NOT MATCH MY SIGNATURE. WELLS FARGO BANK PROVIDED ME WITH THE EMAIL THAT WAS USED TO MAKE THE ORDER AND IT DOES TO BELONG TO ME. WELLS FARGO BANK HAS NOT BEEN ABLE TO RESOLVE THIS DISPUTE AND THEY WANT ME TO PAY FOR THE CHARGES OF {$5400.00}. WHICH I WILL NOT DO BECAUSE I DID NOT MAKE THE PURCHASE/AUTHORIZED THE PURCHASE. I NEVER RECEIVED THE ITEM AND DO NOT HAVE POSSESSION OF THE ITEM AND HAVE NEVER HAD POSSESSION OF THEY ITEM.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have attached accounts that are reporting inaccurate information to my credit bureaus and per the FCRA all information reported to my 3 credit bureaus should be accurate or deleted. I have attached all of th accounts reporting inaccurately with the highlighted inaccuracies.
Consumer complaint received 2021-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (AZ)

I was wrongfully evicted, I assumed the responsibility when my wages were garnished. For a little over a year I was garnished, the garnishment was paid in full. I have documents from my employer stating this. I called the National Credit System ( XXXX ) XXXX to inquire about the {$380.00} that is still on my credit. They could not tell me why I still have a balance even after my garnishment was paid in full. I have disputed this with XXXX, I submitted my documents of proof to them and they refuse to remove it from my credit. Please help me with this matter so I can move my children into a house.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (NJ)

I recently pulled all three of my consumer reports and saw a company by the name of Williams & Fudge on my consumer reports. I reached out to them via registered mail on XXXX of XXXX to asked them to validate this debt that they are claiming that I owe. On the XXXX of XXXX I received a letter in response to my request to validate the debt which did not contain any document/information to validate the debt as requested per my rights under the FDCPA, 15 USC 1692. This letter appeared to be a student statement from XXXX University Student for {$11000.00} from XX/XX/XXXX to XX/XX/XXXX with a coversheet from Williams & Fudge. This coversheet stated as follow : " Please find enclosed the information requested for the above referenced account ( s ). Should you have any questions you may contact the undersigned directly. XXXX XXXX XXXX XXXX '' The coversheet also stated that : " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' I would like to mention that I have never attended XXXX University in my life, Williams & Fudge is violating my rights a consumer under the FDCPA. My consumer report is tainted due to their error, and they are using language that is offensive. I am requesting that Williams & Fudge immediately correct this error by removing this off of my consumer reports with XXXX, XXXX, and XXXX.
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MN)

I need help getting my lender to stop my foreclosure and allow me some time to settle my loan. I fell behind on my payments about 4 years ago after my husband left me with. He was the only source of income I had. I did not have a job at the time and I have struggled ever since to keep up with all of my bills, not just my mortgage. I can barely keep food in my refrigerator some months and I've had to ask for money from my adult children just to get by. If my home forecloses, it would leave me with nothing, I won't even be able to rent a home if something like that were to go against my already poor credit. I am working on a short sale with the mortgage servicer and someone has made an offer on the home but the lender does not want to give me enough time to get through the process. I spent years not knowing what to do with this burden and I feel like now that I am actually trying to rectify this, PHH does not want to give me any grace. I am pleading for extra time to work through this, I have sent all of the documents required of me for the short sale and just need an extra month or two. My home foreclosing would add insult to injury at a time like this for me. Please help me.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (RI)

On XX/XX/2018 I did submit an application to open one ( 1 ) credit card account ( to get a discount on service ). 
The merchant told me that there was an issue with the computer/application process, and the application did not get transmitted. 
On XX/XX/2018 I received nine ( 9 ) XXXX  credit card in the mail. 
These Cards are issued by Citibank N.A. 
I am in the process trying to canceling all of them. 
I want to insure that my information is purged from Citibank 's system, that it does not " share '' my information that all the cards are closed, and that there are no other accounts open ( and will be no additional accounts opened ). 

Additionally I would like to know the reason that the multiple accounts were opened and by who.
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

I deposited {$5000.00} cash @ TD Bank ATM, XXXX XXXX XXXX XXXX MA XXXX, on XXXX XXXX ATM took the money but did not give me the receipt or the credit to my Account. I call the customer service number and waited one hour, but no one picked up the phone. At the time of deposit, the ATM did not function for about 1/2 hours, and someone came in to fix the ATM. I also spoke to that person and advised cash is there, and I will get credit on Monday when the store rep balances the ATM. I went to the branch on Monday, and the representative suggested filling out the dispute form, I also called the branch and call center the same day and advised the process being followed, and there is no one can do anything. It is truly frustrating and disappointing to know that a customer lost {$5000.00}, and finding takes seven days. This should have been straightforward research if one took ownership of the issue, cared about customer money, and tried to find out what happened instead of pushing the work to the process. 

Please review/research or do something and immediately provide the credit to my Account!!!
Consumer complaint received 2021-08-08
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. (MI)

These companies have violated 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. This is an incorrect use of my credit report because this should be excluded from my report. They have also violated 15 USC 1681 ( a ) ( 3 ) under the exclusion section by including medical information on my credit report. Please resolve this matter quickly. I have been denied places to lay my head, obtain transportation, and even financial support. Thank you for your help in this.
Consumer complaint received 2021-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (NY)

The company referred to as Affirm, was present as a delinquent debt on my credit report in which they wrote off and was not in collections. I contacted this company repeatedly offering to pay said debt as I was unaware of even the stoppage of automatic payments in which were set in place. I contacted them through challenging said remarks on credit via dispute on credit report. They, today responded via credit report that they are now not forgiven and has been provided to a lawyer to pursuit legal action. I voluntarily made this inquiry with remarks that told the company I wanted to pay and make this right due to my unaware of status. Now they negatively impact my credit by stating I am in collections when I attempted to do the right thing. Not one call or email nothing was done in order to ask for payment. Now they are holding up an emergency loan because of their recent comments due to my pursuit of paying them. This has dropped my credit over 74 points and now instead of being written off, they hit my credit and threaten me only because I reached out to them to pay said debt.
Consumer complaint received 2023-07-07
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. (AZ)

I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to a business credit card account from XXXX XXXX XXXX XXXX XXXX 

This business credit card account is incorrectly being reported on my personal credit report, even though I have never personally guaranteed this card. As per standard reporting practices, a business credit card should not appear on a personal credit report unless the individual has personally guaranteed the card, which is not the case here. 

Furthermore, this account is incorrectly being reported as 'charged off ' on my credit report, which is inaccurate. The account has been carrying this status for an extended period, which is adversely affecting my credit score. 

I kindly request your immediate intervention to rectify these inaccuracies. I am seeking the removal of this business credit card account from my personal credit report as its presence and reported status are both incorrect and damaging to my credit standing. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2021-08-07
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 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Addresses and name on my credit report are incorrect. I do not live, or have i lived at those addresses. I will attach proof of my electric bill, showing my name and address. i do not live in Michigan.
Consumer complaint received 2021-08-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

It submitted a dispute letter to Equifax asking for verification of account. It has now been pass 30 days and Equifax hasn't neglected to abide by FCRA laws.