davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Consumer complaint received 2021-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I do not recall any of these accounts. I need this problem fixed asap. I demand these accounts to be deleted immediately or I file litigation due to the stress you caused me. Section 611 ( a ) it is plainly stated a failure to investigate these items 30 days gives a reason to immediately remove those items from my credit report. I have a attached a cease and desist demanding them the items needed to validate till then those items have been brought about I will need this account to be deleted immediately.
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (VA)

A long while back I had a Target retail card that went over its limit so they shut the card off. I was then asked to pay the whole amount plus late fees and interest and when I asked for a payment plan, they denied it and told me to pay the full amount. When I finally was able to pay the original amount, at that time, they ended up adding an additional {$300.00} plus dollars to the bill. When I tried to pay the original amount. I was told to pay the whole {$900.00} plus. That was over a year ago, for a whole year I received no communications. Since then I've been paying other debts off and they came back after a whole year of no contact. I've been getting several calls a day with no voice-mails. 

XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX They are repeatedly calling.
Consumer complaint received 2021-11-24
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)

I have been disputing inaccurate information on my credit report for a little over a year now & the company who is reporting that I have a charge off is reporting inaccurate information so I know for a fact that the bureaus are continuing to leave this charge off on my credit without properly investigating this issue. XXXX XXXX Bank is the creditor & has not provided me with any information or documentation showing that the account does in fact belong to me, if unable to provide concrete proof then they are supposed to delete this information from my file. The burden of proof is actually on them to prove it, not me
Consumer complaint received 2019-12-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Access Capital Services, Inc. (CA)

XX/XX/XXXX GET A CALL FROM SOMEONE FROM ACCESS CAPITAL SERVICES STATING WE OWE A BILL FROM XXXX. 
FOR A LOAN WE HAD WITH XXXX XXXX XXXX AND SENT A STATMENT LETTER CLAIMING WE OWE {$4700.00} WHICH IS NOT TRUE, THIS LOAN WAS PAID AND NOW 14 YEARS LATER SOME ONE IS CLAIMING THIS PAID DEBT, WE ASK THEM TO SEND A COMPLETE FILE OF THIS CLAIM AND HAD NOT RECIEVEIED ONE, WE WENT TO XXXX XXXX XXXX AND THEY WERE SHOCK THAT THIS CLAIM OF 14 YEARS IS BEING CLAIMED BY ACCESS, CAPITAL SERVICES.
Consumer complaint received 2023-03-05
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. (TX)

While reviewing my consumer reports, I found my consumer rights have been violated. In Accordance to the Fair Credit Reporting Act. 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( I ) States the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX XXXX, Equifax is reporting late payments for 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 is an experience created by credit usage 15 USC1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the Fcra Act
Consumer complaint received 2021-11-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a Citi XXXX Checking and Savings account on XX/XX/XXXX on the Citibank website because of a promotion offered by their website. The offer was to earn {$700.00} bonus if XXXX is deposited within XXXX days of opening the account and maintained for a minimum of XXXX  days. The bonus of {$700.00} would then be paid within XXXX days of that XXXX day from the initial deposit. The XXXX day would have been XX/XX/XXXX according to the first time i spoke with Citi customer support. {$50000.00} was deposited by XX/XX/XXXX and is still in the account today XX/XX/XXXX with no bonus paid. 
I contacted support again on XX/XX/XXXX via their app chat and they confirmed I qualified for the bonus and would receive it in the first week of XXXX. No bonus received, no contact from Citi. 
I called them on XX/XX/XXXX and spoke with a representative regarding my issue and she explained that she would open a ticket, but was unable to provide me with an ETA on the bonus and advised that I would be contacted within XXXX days. No ticket was opened. 
I contacted support again on XX/XX/XXXX via App chat and they confirmed I should have received the bonus by XX/XX/XXXX. He opened a ticket for me and provided follow up. 
Today XX/XX/XXXX, I received a notice from Citibank that I do not qualify for the bonus because the promo code linked to my account was for a promo period ending XX/XX/XXXX ... somehow XXXX months before I opened the account on Citi 's website.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (CA)

I deposited crypto and it was never credited to my account. I emailed them every day asking what happened to my deposit and they only respond by saying it's under " maintenance ''. After a week, I'm convinced they simply just stole my crypto assets.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MD)

I bought a variable load US Bank XXXX gift card from a XXXX, MD XXXX XXXX on XX/XX/XXXX and loaded {$500.00}. About a week after I bought the card, I called to change the pin. The automated system said the XXXX6 digit card number did not match the CVV. I stayed on the line for about 15 minutes until I was connected with a customer service representative. They said it didn't matter, to just use the last 4 digits of the card number as the pin. I tried to use the card for a purchase at XXXX a few days later, and the purchase was declined because of an incorrect pin. About a week later, I think XX/XX/XXXX, I called again to try to figure out what was wrong with the card, I was told they couldn't do anything because the 16 digit card number didn't match the original purchase amount and date that I gave. I said I had the original receipt and they said I could send that to them for proof of ownership. I then called on XX/XX/XXXX to get the information to send them the info. I was told to fax my receipt and my id along with a phone number to reach me to their fax number and it would be processed in 24-48 hours. I faxed the information XX/XX/XXXX in the morning after I got done with the call. I called on Wednesday, XX/XX/XXXX, and they said it had not been processed, I needed to actually wait XXXX to XXXX business days. I called on XX/XX/XXXX, was hung up on once, and was on hold for a total of about an hour. On this final call, I talked to a supervisor who said I actually needed to send a fax with the proof of purchase, my ID, the gift card, and a 10 digit card ID number on every page. I sent the fax on XX/XX/XXXX in the evening. I suspect that the card is a fraudulent card since the last 4 digits on the front of the card do not match the 4 on the back. 

Every step of this process has required 15 to 30 minute holds, explaining the situation every time, and being told at various points, I was lying, I hadn't loaded the card properly, that the store messed up, and have been given different information to send by fax every time. I have never been so frustrated trying to use a gift card.
Consumer complaint received 2021-11-24
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. (NY)

The issue in XXXX XXXX  was : Equifax in reports XXXX, XXXX and XXXX stated on XXXX/XXXX/21, XX/XX/21 and XXXX/XXXX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. '' Equifax 's XXXX/XXXX/21 response to XXXX was : Please provide us with the following information : Specific item name, account numbers and nature of dispute... In XXXX XXXX XXXX XXXX and XXXX Equifax clearly acknowledged the nature of the dispute. The specific item name and account numbers are in the attached Equifax XXXXXX/XX/21 and XX/XX/21 confirmation # XXXX XXXX and XXXX. Equifax responded to XXXX on XXXXXX/XX/21 ... A letter outlining our findings was mailed to the address on file...
Consumer complaint received 2021-11-24
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 (NC)

XXXX continues to incorrectly report a closed installment loan account originally with Wells Fargo XXXX XXXX XXXX ( " Wells Fargo XXXX '' ) with a payment status of " Not More Than XXXX Payments Past Due. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " Not More Than XXXX Payments Past Due. '' I am fairly certain that this CLOSED Wells Fargo XXXX account is being reported as " delinquent '' on my XXXX credit report and significantly impacting my credit score in highly negative fashion. I understand that XXXX is reporting the Wells Fargo XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " XXXX  days late, '' as it is FACTUALLY INCORRECT.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-24
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 (NC)

XXXX continues to incorrectly report a closed installment loan account originally with Wells Fargo XXXX XXXX XXXX ( " Wells Fargo XXXX '' ) with a payment status of " 60 days late. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " 60 days late. '' I am fairly certain that this CLOSED Wells Fargo XXXX account is being reported as " delinquent '' on my XXXX credit report and significantly impacting my XXXX XXXX in highly negative fashion. I understand that XXXX is reporting the Wells Fargo XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.
Consumer complaint received 2022-01-30
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)

All those addresses, names, ss numbers are not mine!!!!!! My name is not XXXX XXXX. My ss number ends with XXXX, not XXXX, not the other one either. I never lived most of those places you said I did. You were not in my life you dont know where I lived, IT WAS NOT AT ALL THIS PLACES YOURE SAYING ITS A LIE
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report.I demand the deletion of the fraudulent inquiries listed below which all resulted from the Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX OF XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-11-24
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. (NC)

Experian continues to incorrectly report a closed installment loan account originally with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) with a payment status of " 60 days late. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " 60 days late. '' I am fairly certain that this CLOSED XXXX XXXX XXXX account is being reported as " delinquent '' on my Experian credit report and significantly impacting my XXXX XXXX in highly negative fashion. I understand that Experian is reporting the XXXX XXXX XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On Friday, XX/XX/XXXX, I opened support request XXXX online through the PenFed website, requesting their help transferring my member savings account into one controlled by my newly created living revocable trust ( as of Friday XX/XX/year> ). I received a response back from PenFed on Saturday XX/XX/XXXX that my provided Certificate of Trust was not the only required document, and I was sent a email referencing my newly created my specialized trust case ID XXXX on Tuesday XX/XX/XXXX. Therefore, I completed the PenFed requirement and re-submitted both documents on XX/XX/XXXX. However, inexplicably, I received an email this morning ( Thursday, XX/XX/XXXX ) stating that my specialized trust case ID XXXX has expired and will need to start over again. I refuse to re-submit the same paperwork a second time. PenFed must re-open this case and provide a formal root cause analysis as to how this process went so badly sideways.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I have become aware of fraudulent activity on my Chase XXXX XXXX card over the period of XXXX XXXX, 2021 to XX/XX/XXXX2021. 

I have itemized these transactions below, for which I, and any authorized users, have not received any benefit, service, or product from. 

XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX {$21.00} XXXX XXXXT XXXX XX/XX/XXXX {$95.00} XXXX XX/XX/XXXX {$70.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$71.00} XXXX # XXXX XXXX  XX/XX/XXXX {$96.00} XXXX XXXX XX/XX/XXXX {$74.00} XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$21.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15.00} XXXX XX/XX/XXXX {$83.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$97.00} XXXX  XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX XX/XX/XXXX {$110.00} XXXX  XXXX 'S # XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX {$16.00} I believe the card used in these transactions was issued to me, in the name of XXXX XXXX XXXX. This is a variation of my own name, and is my own card ( My mothers maiden name is XXXX, and my first name was apparently misspelled by Chase several years ago when this card was issued ). 

This card was being carried in my back-up wallet, which I believe was lost at XXXX XXXX on XXXX XXXX, 2021, and for which I have filed a Police Report. 

I would ask that Chase begin an immediate investigation into these charges and issue a temporary credit for them, in the amount of {$2300.00}. I also ask that any associated finance charges and fees also be suspended or credited. 

Additionally, I would like to review a copy of the merchant sales slips ( digital or paper ) for these XXXX transactions, so I can compare them to my own recorded signatures. If there are any other available transaction records for these XXXX transactions, I would like Chase to obtain them as well and provide them for my review. 

I believe all of these requests are within my rights as a cardmember and consistent with the Fair Credit Billing Act.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (MA)

Cease & desist all collection activities IMMEDIATELY bearing my name pursuant to U.C.C. 1-308.4 Alleged Creditor : CAVALRY PORTFOLIO SERVICE LLC Alleged Account : XXXX Alleged Amount : {$5600.00} See the full letter in attachment.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.