davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One closed my secured card. This is their legal right to do so I am not upset about that. In reviewing my credit report recently, I noticed a record of three consecutive late payments on my account for the months of XXXX, XXXX, and XX/XX/2019. 

However, when I called them after they closed it, they said no payment was due because the security deposit would cover the balance. Three months later I got a notification saying I was late. I called them again to speak about this they said it was accurate. I pointed out my previous phone call. 

I immediately made the payment.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank of America was closed down and it was posted as Fraud for no reason, I was out the XXXX for 1 month I couldn't take no further actions. It was very unfair, and I really loved the bank, I will do anything to get this account bank, I deserve a second chance. 

incident Date XX/XX/22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

Opened a checking account on XX/XX/2022 on behalf of my wife, who received an invitation to open such as a Citibank customer with an offer to earn a tiered bonus predicated on the deposit of funds. It was called the OOBTA Tiered Bonus Checking Offer. The offer code for same is supposedly # XXXX. We opted to deposit $ XXXX into the account and were given 20 days to deposit funds to earn said bonus and the money needed to remain in the account for ninety or 120 days in order to receive a {$700.00} bonus award. The account was fully funded on the XXXX of XXXX ( or the day after the account was opened ). The the bank has verified this on several occasions via telephone inquiries to determine my specific eligibility. I was assured on each such occasion that my eligibilty was concrete and validated. The money remains untouched ( $ XXXX ) and is still in the checking account to this day, more than six months after the fact. I was informed by Citi that the account would be credited with the {$700.00} bonus on XX/XX/2022. It was not. I called and made an inquiry as to the problem. I stated my case and they provided a reference number for my inquiry ( # XXXX ). They never responded. I was forced to call again. An 'expedited inquiry ' was formulated under the same reference number. Again, no response from Citibank. After several days I noticed an alert on my checking acount when I logged in. I read the alert which said that the bonus based on my opening the account a day later than the deadline. This was not the case and I appealed my case. After a 'back room ' inquiry regarding the account opening, I was assured by a manger on the phone that I was in compliance with both the date opened and the required deposit. An additional inquiry was initiated to the 'back room '. The 'back room ' now needed to find a different excuse to deny the bonus. And they did. Several days later another alert appeared on my account and I again opened the same to find out that I was again denied the bonus because the 'offer - invitation ' was directed toi my wife and not to me directly. The checking account I opened was a 'joint ' account with both my and my wife 's name. It refects all four Citibank credit cards that we possess as we are joint account holders in everything we possess that is 'Citi XXXX related! In my opinion this is despicable behavior for a major bank such as Citi supposedly is. I am embarassed for them as such and very embarassed in myself for trusting them to due the right thing. I hope you agree and await your reply in regard to my complaint. Thank you for your efforts on my behalf. Who knew I'd be safer in the hands of XXXX XXXX? Wow!
Consumer complaint received 2024-03-18
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. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-12-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (PA)

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B ( 15 U.S.C. Code Section 1681c-2 ), and 611 ( 15 U.S.C. 1681I ) of the FCRA : once identity theft has been alleged until further due diligence has been performed or a reasonable conclusion has been determined.
Consumer complaint received 2023-01-21
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. (TX)

Experian has not removed the inaccurate, false reporting by XXXX XXXX XXXX from XXXX, XXXX despite by multiple attempts and disputes. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, FL XXXX The amount is {$510.00} The original XXXX XXXX XXXX XXXX XXXX I have contacted XXXX XXXX XXXX  regarding this, but I can not get a resolution. I have never used XXXX XXXX or XXXX XXXX XXXX  services. My cable provider is XXXX XXXX, and my phone provider is XXXX. I have asked XXXX to please remove this item from my credit report, but the are refusing to do so.
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.
Consumer complaint received 2018-02-28
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: Machol & Johannes, LLC (OR)

On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office Machol & Johannes has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. 
In calling Machol & Johannes they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or Machol & Johannes, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Equifax -- -I have mailed them on 2 or 3 different occassions explaining to them that I have NO account with XXXX XXXX XXXX. 
Not only has it been over 30 days, they never even responded back in any form. 

I have NO rights with them, they get paid from these companies and us little people are left behind. 

Can I sue them for this false information?
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (PA)

PBCM received an account from XXXX XXXX that is more than 7 years old. Debt is not legitimate. Complaints filed with FCC against XXXX for cancellation charge that is not valid.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (FL)

I was illegally evicted from XXXX XXXX XXXX on XXXX. The apartment was deemed Unlivable by a mold specialist. I moved out of the apartment the end of XXXX. There was a discrepancy in regards paying the rent for that month. I never received my security deposit of {$2400.00} which would have covered XXXX and XXXX which was alleged. After the court date the judge ruled that no monetary value was owed due to my security deposit. XXXX I received a threatening notice from a debt collector. The company claimed that I owe {$4200.00}. The notice demanded payment or this amount would be added to my consumer report. This company sent me an email at a very inconvenient time and demanded payment for an erroneous amount. This email has caused me a great deal of stress. I am currently looking for a new home but the pressure placed on me by this company is taking a toll on my XXXX XXXX.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

They have taken over {$3000.00} of mine just missing off of my mortgage payments they subtract ed more when I complain last time they took {$1900.00} from me last time I complained I want an audit done on this otherwise I'm going to the FBI
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (FL)

I have contacted Experian and XXXX XXXXXXXX XXXX about two accounts that showed up on credit report XX/XX/2022 that were old accounts that show I owe nothing and keeps appearing, I have contacted XXXX XXXXXXXX XXXX  every month and they have stated several tines that they have informed Experian for multiple months that I am not responsible for a balance and it should not show. I has now been FOUR ( 4 ) months that this has caused me to be denied lending because of this. Due to this going on for several months and EXPERIAN REFUSES TO COMPLY WITH THE LAW AND DO AS XXXX XXXX REPORTED I believe the law says it is to be deleted from my credit report. This has caused me four months of stress and has now caused medical issues as I am trying to get things done with my life and they are causes an hindrance to my future.
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TapTap Send Inc. (DC)

XXXX XXXX XXXX I sent {$500.00} to a personal friend in XXXX using Taptap send I sent via XXXX but TapTap Send sent it via XXXX so the money never was received by the Recipient. I contacted TapTap Send and explained to them they made a mistake. My Recipient Sent me a copy of his Bank account statement stating that no funds were received on that day. I've contacted TapTap Send Over and over an they keep telling me to be patient they are waiting to hear back from a 3rd party, Its been since XX/XX/XXXX I think I've been patient enough I've contacted them Via Email a numerous times and telephone but always the same we are working on it. I don't have {$500.00} dollars to throw away.I just want my Refund Back
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (NY)

The Medical debt should be removed and should have never been sold to a collection agency. I have and had insurance at the and every time I saw DR I paid CO-pay as agreed. I contacted my insurance and was told that all medical bill was paid as agreed.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (NH)

On Monday XX/XX/XXXX at XXXX I received a phone call from XXXX, after saying Hello several times and hearing someone in the background, then hung up. I called the number back and it was confirmed to by EOS CCA. On Wednesday XX/XX/XXXX they called again at XXXX, I gave the collector a verbal cease and desist, he paused then told told me 3 times he has no idea what I am talking about and hung up on me. On XX/XX/XXXX at XXXX I received another call from EOS CCA, I immediately asked for a manager and was transferred to XXXX XXXX  and told about about the verbal C&D, he also verified calls are recorded. He then proceeded with since we are talking already, can you discuss your account....I told him no and ended the phone call with another C&D.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My identity was stolen by criminals unknown to me and an auto loan was opened with XXXX  XXXX XXXX in XX/XX/2022 without my knowledge. I did not anticipate 7 months of certified letters back and forth to still have this issue still unresolved by XXXX  XXXX XXXX. 

Starting in XXXX, I have opened XXXX cases with XXXX XXXX XXXX for this one fraudulent loan and they have all been denied, including the latest one which was denied on XX/XX/XXXX. I've asked XXXX to get in touch with me to request what they specifically need in order to successfully resolve this fraud case, but they only mail generic letters denying my fraud claim. This has happened 7 times. 

I've sent all of the documentation they've requested, including copies of identifying information, a copy of the police report, a copy of documentation proving my place of residence ( which is different from that on the fraudulent loan ), a copy of my FTC Identity Theft Affidavit, as well as copies of letters from 3 other banks approving my fraud claims. Yet XXXX continues to deny my claim. Their denial letter contains a phone number that routes to agents that are not trained in fraud. There is no way straightforward way to get in touch with a human to help and they have not engaged over email or phone when I sent a letter requesting them to get in touch with me. 

Every other bank has been helpful in resolving this very stressful situation, yet XXXX  XXXX XXXX has made this process exceptionally long and difficult. In the meantime, my credit score continues to decline and I have to live with the consequences of that with no clear path toward resolution.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Hello, I am a Wells Fargo customer since XXXX. I keep a Mortgage and a checking Account with them. I signed a Mortgage with Wells Fargo end of XXXX beginning of XXXX. This loan was rated at Four percent and the monthly fee was no more than {$350.00}. It was a Thirty year loan, but then I was offered to cut the Thirty year loan to XXXX years if I doubled the monthly payment which I did. The monthly payment came to about {$630.00}. I was doing good on my payments until I lost my job with XXXX. And this is the second time I am fighting a foreclosure. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Early Warning Services, LLC (CA)

Early warning has me listed and for unknown reason I've been held back from banking and finance I'm at a hardship point for no reason at all. XXXX XXXX XXXX has blocked me from everything and amount as of my knowledge XXXX dollars and that was the first transaction.that I found out about.