davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
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. (CA)

XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX bank account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies XXXX, Experian, and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.
Consumer complaint received 2021-07-29
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. (CA)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I ALSO HAVE A 30 DAY LATE PAYMENT THAT IS NOT TRUE
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

A check from a water company in Illinois payable to a leasing company in Minnesota for {$2300.00} cleared the checking account I hold jointly with my husband. Fifth Third took this money from our account instead of the water companys account. The bank stole our money from our joint checking. 

The check that cleared has nothing to do with us or our account. The companies involved have nothing to do with us. The account number of the check and our account arent even close. 

This happened on XX/XX/XXXX, I called the bank on the XXXX. Took almost 2 hours back and forth between the dispute department and customer service to finally get a claim number. I was told it would take a couple of days to fix. Not fixed this morning on day 2 so I called again. 

Apparently the case was denied and closed!! 

Meanwhile this whole time my account is overdrawn and getting overdraft fees. They took the overdraft fee off today and submitted a new claim. Said it would take at least 3 business days to hear anything. That is 5 more days because it is now Thursday.

So I may hear back, and it may be fixed, next Monday - 11 days after they first fraudulently took money from our account - I am not holding my breath. 

I would like the money to be returned to our account immediately.
Consumer complaint received 2021-08-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: McCalla Raymer Leibert Pierce, LLC (GA)

This is a complaint about XXXX XXXX XXXX, although theyre a law firm, in this case by their own admission they are acting as a collection agency, therefore my complaint against them as a collection agency. I have received a letter from them on XX/XX/XXXX, marked as Exhibit 1, alleging I owe a certain amount of money to my Mortgage Company and they asked me to request verification of this alleged debt within 30 days of their letter, in response I sent a letter marked as Exhibit 2, which hat they received on XX/XX/XXXX. According to their letter, I had 30 days to verify the debt which would give me time until XX/XX/XXXX. To my dismay I have received a non-Judicial foreclosure notice dated XX/XX/XXXX. Marked as Exhibit 3. 
This is a clear violation of FDCPA which is a federal law. I would like you to look into this matter and take appropriate action against the collection agency whos responsible for this violation. 
Thank you for your time, looking forward to hearing from you soon. 
FYI, XXXX XXXX was known as the foreclosure mill in the state of Georgia during the 2008 financial crisis.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I just received a snail mail letter from Equifax. I have circled on the letter what they stated. They have been reporting back to me through CFPB that they are working on my dispute. Well, the letter tells me that they can not find my file. It is past unbelievable. 
They have totally ignored my dispute. I am uploading screen shots of what I see when I log onto my credit files in Equifax. They had completed their response to my original dispute on XXXX. They stated that they had verified the collection account as accurate. 

My original dispute stated that I had been told by the apartment manager that I did not owe anything past the point of my move out. I uploaded copies of emails between that person and myself that was written proof of my dispute. I further stated in my dispute that the collection account was false. Now I am uploading proof that the collection account was false and inaccurate. 

I contacted XXXX XXXX  who has superior management of the apartments and discovered that I had been billed for things that were past the date of my legal notice of departure. Therefore, the collection agency that filed the collection account to the credit bureaus actually filed a false and inaccurate account. My uploads show what I originally stated. I was led to believe that I did not owe anything. The false bill was filed without me knowing about it and now I discover that the account was inaccurate. I have asked XXXX XXXX  to give me a true amount I owe on the account. When they do, I am going to pay it immediately.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (IL)

Since XXXX, my payments to TD Bank ( XXXX XXXX XXXX XXXX Acct ) have been purposefully misapplied by TD Bank during the no interest promo period for two promotions expiring XXXX and XX/XX/XXXX. I have consistently paid more than my minimum due with the explicit direction to apply the overage to the XXXX and XX/XX/XXXX expiring promos. TD bank reps advised and confirmed they would apply my over payments as such and they have not. Ask them to provide the recorded conversations from the call center. They are applying the extra to all promos and this is incorrect. All payments over the minimum I was advised numerous times that the customer can apply to specific promo balances. After numerous calls to customer service and an email to " escalation management '' the saga continues to force me into being subject to higher interest rates based on its refusal to provide payment reconciliation and avoiding addressing the issue by conflicting messages by customer service reps/supervisors. Today alone, I was the phone for over an hour and transferred to 4 different persons and no one has answers. Customer service reps and supervisors now allege there are " bank laws '' that preclude them from correcting the mistakes. When I asked for the bank law citation or rule in the agreement, they refuse to substantiate the bogus reasoning or provide relevant references. This baffle them with confusion and hope they go away tactic is unacceptable and is an example of deceptive trade practices. 
Please help me resolve.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (AL)

On XX/XX/2021 XXXX reported an alert on a XXXX balance closed account from XXXX XXXX  180 past due in error. The account was originally held by XXXX XXXX. We contacted XXXX and they stated it was sent over right so the error was with XXXX. So we filed a dispute with XXXX and they removed XXXX but did not remove the late notice. So the action was incomplete.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed our ( my parents and I ) credit cards without warning.

1. There was no 45 day notice ; no warning whatsoever.

2. The accounts were closed NOT because of inactivity. We have charged the card every month for many years.

3. They would not disclose any reason why it was closed. They simply said " sometimes this happens and it's not reversible. '' 4. They didn't let us redeem our rewards and said they were lost because the card is now cancelled.
Consumer complaint received 2021-08-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helm Associates (PA)

I have a repo for an auto loan but I never received the amount that say they sold the car for. On my credit report it say about XXXX but when I talked to someone the said XXXX. I want proof of the correct amount the car was worth and sold for. If not I would like it removed from my credit. I also dont think I should have to pay XXXX in interest. Please help
Consumer complaint received 2021-08-04
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)

I have repeatedly disputed these accounts with the credit reporting agencies and have notified them if this information is not removed in 14 days my attorney will be filing a formal federal lawsuit regarding this matter. 

Account in question : XXXX XXXX XXXX Last reported XX/XX/2021 {$5800.00} Open balance XXXX XXXX XXXX Original creditor
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to XXXX XXXX  in the amount of {$52.00}. This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action should this item not be deleted within the required time by law. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing medical information. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with any information on how they verified this false information. Plus, they can not verify something that is flat out against the law. 

Please assist me in this matter as this alleged debt and gross violation of several laws are gravely impacting my life. 

Thank you in advance!
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, i was walking down the street when i got a notification on my phone saying that someone took {$920.00} out of my account. I called the bank and they said they will end banking relationships with me and its likely i cant get this money back.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2021-08-04
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. (OH)

I, XXXX XXXX XXXX ( CONSUMER ) did not consent to, authorize nor benefit from the following fraudulent accounts. Block and remove them. This Identity theft report was not done in error or a material misrepresentation. If Equifax believes I have received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods and services as a result of these alleged transactions.
Consumer complaint received 2021-08-04
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. (IL)

I submitted an FTC identitiy theft report and I sen t an affidavit of fact to the CEO of TRANSUNION about the aggrevated identity that XXXX XXXX XXXX committed. Transunion removed the tradeline but did not remove the inquiry. Please review the documentation.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I was issued a loan commitment letter from Wells Fargo on XX/XX/21 On XX/XX/21 XXXX XXXX nmls Id : XXXX notified that since my debt to income ratio was 41 % i would be denied for the conventional loan i given the loan commitment for although i was notified by another Wells Fargo mortgage representative that the dti ratio can go up to 45 % on their conventional loans. I feel as if Im not being treated fairly and would like some assistance in my case. My credit is a XXXX and i am first time home buyer. Throughout the loan i would be given a interest rate lock agreement thats supposed to lock my rate for 60 days however two weeks later i would receive a new agreement that they want me to sign where the loan interest rate increased from 3.25 % to 4 % and they just sent me another interest rate lock agreement as well. Im now in contact with Wells Fargo executive office and they are aware of my complaints and are assigning a specialist to look into my case the agent i spoke with name is XXXX employee Id number XXXX on XX/XX/21.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-07-29
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. (TX)

I had a account with XXXX  XXXX  which was opened XX/XX/2012 the account was paid off XX/XX/201XXXX XXXX XXXX XXXX XXXX had the account and I have proof. This is a old debt XXXX XXXX XXXX trying to collect on XXXX the originally account balance was only XXXX. This is a old debt Delete
Consumer complaint received 2021-08-04
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. (TX)

I reviewed my Experian free credit report XX/XX/2021 and noticed that my personal information that was requested to be removed and updated XX/XX/2021 had returned on my consumer report. On XX/XX/2021 Experian updated all information that was requested ( attachment below ). Upon review of my free credit report XX/XX/2021 they are reporting inaccurate information that was once deleted, plus they have added an unknown address to the report. An address that I have NEVER been associated with and also divorced married names that no longer legally pertain to me. I sent Experian a certified Mailing # XXXX on XX/XX/2021 requesting that they update my information with the proper identification within seven business days. To date they have not honored either request.
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (AZ)

I disputed that the collection account reporting inaccurate / inconsistent original creditors to two different credit bureaus over 3 times also provide proof to both. The debt collector that's reporting the account verified the account was reporting accurate to the credit bureaus. Even when XXXX  & XXXX  reporting 2 different Original Creditors & also other errors, also as different account status, XXXX  reporting a past due account and XXXX fail to report a past due.

FCRA say the account have to be 100 % accurate, if information on the account is inconsistent how can it be accurate. XXXX say the Account name is Rent Recovery Solutions, LLC but XXXX  just report Rent Recovery Solutions, that's two different names.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

New relevant information. Not a third party unauthorized. Not a duplicate. XXXX : THE ACCOUNT HAS BEEN UNDER DISPUTE SINCE I HAVE BEEN AWARE OF IT. IF AN ACCOUNT IS BEING DISPUTED YOU ARE REQUIRED TO COMMENT ON THE FILE THAT THE ACCOUNT IS UNDER DISPUTE. IT DOESN'T MATTER IF I DISPUTE DIRECTLY WITH YOU OR WITH THE CRA, YOU ARE REQUIRED COMMENT THAT IT IS UNDER DISPUTE. NOT COMMENTING OR REMOVING A COMMENT WHILE AN ACCOUNT IS STILL DISPUTED IS A VIOLATION IF MY RIGHTS. 

I WAS NOTIFIED ON XXXX THAT YOU REMOVED THE DISPUTED COMMENT FROM EQUIFAX. I WAS NOTIFIED BY YOU THAT YOU WERE WORKING ON MY DISPUTE ON XXXX. YOU VIOLATED MY RIGHTS BY REMOVING THE COMMENT. NOT ONLY IS THE ACCOUNT THE RESULT OF IDENTIFY THEFT, BUT BY REMOVING THE COMMENT YOU FURNISHED INACCURATE INFORMATION TO THE CRA, THIS IS A VIOLATION OF THE FCRA, AND FTC GUIDELINES. YOU HAVE CONTINUALLY SHOWN YOUR INABILITY TO FOLLOW GUIDELINES SET BY THE FTC AND THE FCRA, BY CONTINUING TO REPORT THIS FRAUDULENT ITEM AFTER BEING NOTIFIED THAT IT IS THE RESULT OF IDENTITY THEFT, BY CONTINUING TO REPORT AN ITEM AFTER BEING PROVIDED AN FTC ID THEFT REPORT, YOU DID NOT GET A DOCUMENT TO VERIFY WHO WAS OPENING THE ACCOUNT BEFORE EXTENDING CREDIT, AND YOU HAVE FAILED TO PROVIDE ME SAID DOCUMENT UPON REQUEST, DESPITE ME REQUESTING IT 4 SEPARATE TIMES, AND YOU CONTINUE TO VERIFY THE DEBT AS ACCURATE WHEN IT NEVER SHOULD HAVE BEEN OPENED IN THE FIRST PLACE AS IT WAS THE RESULT OF FRAUD. Attached you will find verification of claims.
Consumer complaint received 2021-07-04
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (AZ)

I disputed that the collection account reporting inaccurate / inconsistent original creditors to two different credit bureaus over 3 times also provide proof to both. The debt collector that's reporting the account verified the account was reporting accurate to the credit bureaus. Even when XXXX  & XXXX  reporting 2 different Original Creditors & also other errors, also as different account status, XXXX reporting a past due account and XXXX  fail to report a past due.

FCRA say the account have to be 100 % accurate, if information on the account is inconsistent how can it be accurate. XXXX  say the Account name is Rent Recovery Solutions, LLC but XXXX  just report Rent Recovery Solutions, that's two different names.
Consumer complaint received 2021-08-04
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. (CA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-02-08
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. (NY)

Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called The General that XXXX and Transunion yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report