davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (PA)

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions, LLC (VA)

Repeated phone calls on my work cell phone from Debt Recovery solutions after being asked to not call me on this number. Requested information by mail and was informed I would have to settle with them on the phone or I would be subject to legal action. Told them I was not willing to communicate on my work phone and they would have to contact me by mail. Consistently harassed over multiple phone calls. Debt was removed from my credit report and then resubmitted multiple times. I've disputed and had it removed and then a couple of months later it was sold to another debt collector, consolidated the amount and resubmitted it.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

1. notified and disputed this item with XXXX XXXX XXXX XXXX and XXXX via certified letter on XX/XX/2021 stating that this information reported by Transfinancial was not valid and requested immediate removal from my credit reports. 

2. notified Transfinancial , Inc via certified mail dated XXXX/XXXX/201 demanding validation of debt and permanent and quick removal from XXXX XXXX XXXX XXXX and XXXX credit reports
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was 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 inquiries that are reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-09-16
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. (WI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (TX)

XXXX Klarna 's system would not accept my personal debit card. My original card was stolen and I attempted to use a replacement card. Their system recognizes my replaced XXXX debit card as a credit card. They will not take my payments over the phone or by app. Klarna asked me to use another form of payment such as another debit card. The only other card I have is a business debit. I can not use that card just because they said so. I have had the amount blocked through a stop payment with XXXX, as the company tried to draft an ACH. I attempted XXXX and that did not work. XXXX reported no issues on their end. A {$1.00} hold was placed on the current personal debit card with each attempt. Company has offered to not charge me late fees but insists I need to get another personal debit card to pay them. I attempted to create a new one-time card and was successful with the new/replacement XXXX debit ( personal ) card. The company took out the first installment of the latest purchase on XXXX the company will not allow me to pay the account using the card. They also denied me credit with XXXX XXXX  stating I had bad payment history ... because they will not use my debit card on file.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I am challenging the incorrect information on my credit report with XXXX account number ( XXXX ) there are 3 different dates of last activity i attached a copy of report its inaccurate and going against FCRA and i need removed immediately please and thank you
Consumer complaint received 2021-09-16
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. (WI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I initiated 2 ACH outgoing transfers for {$50000.00} each. 
Meaning {$50000.00} twice + {$100000.00} would go out from my account on XX/XX/XXXX into another institution! 
I also called a rep to make 100 % sure I did everything right, and was told all is good and it'll leave same day since it was initiated before XXXX Im summary, after the {$100000.00} leaves my account I would only have a few hundred dollars left. However at night a fraudulent judgement ( I never got served, and I have proof I paid for the debt ) took out {$75000.00} from my account causing me to XXXX  and take XXXX  steps which were prevented by a family member. 

I called HSBC informing them it's fraud. But there's no one to talk to which is common in the banking industry! 


What HSBC failed to understand is when a judgement is entered into your account, they can only take the amount that's in the account, even the judgment is for more that doesn't mean the account can now go negative just to satisfy the judgement. 

In my case HSBC first canceled one of my {$50000.00} outgoing ACH on the assumption it's a mistake, although never called me to ask. Then the {$50000.00} ACH did out out, but only one time {$50000.00} ( and HSBC is fully liable for canceling the 2nd ACH ) and after the {$50000.00} ACH went out from my account this fraudulent default judgement for {$75000.00} went out from my account and HSBC honored it which as a result caused my account to become NEGITIVE. And as a result of my account being negative HSBC suspended my account, my line of credit and my credit card ( which will have a bad impact on my credit ). Then I called HSBC they said the ned to verify my identity and requested identification I TOLD THEM THAT I ALREADY SEND IN ALL THOSES THINGS WHEN I OPNED THE ACCOUNT, AND THEY SAID THEY DON'T HAVE IT so it's good to have on record that HSBC violated the patriot act, and only LATER requesting documents to comply with KYC. 

And as I write this, I have this fraudulent {$75000.00} out of my account, my account is restricted, line of credit restricted, credit card doesn't work, and I have no idea what's going on, the representatives don't even want to tell me my balance, their accusing me of fraud instead of protecting me in such a situation.

AND WORSE OFF ALL, IF HSBC WOULD HONOR MY TWO ACH REQUEST I WOULD OF NEVER LOOSE THIS {$75000.00} ( I might anyways not loose it, as I'm taking an attorney to fight this fradulent t judgement, but unril then I'm out {$75000.00} and this would of  never happened of they honored their duty to fulfill my ACH transfers
Consumer complaint received 2021-09-16
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)

This is my THIRD letter to XXXX, XXXX, and Transunion since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (OH)

ERC Collections repeatedly calls looking for " XXXX ''. I am not XXXX, I have told them they have the wrong number, and they agree to remove my number from their files. The calls continue, it's been nearly 3 years. At this point, it can not be caused incompetence or an honest mistake, it is willful and intentional harassment. I have no business relationship with this company, and never had.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

In XXXX of 2021, I received two notifications from BB & T that I no longer wanted overdraft protection for two different accounts which I never opened.

I immediately contacted them and was told an identity theft report would be filed.

Than I received another notice stating that the pin request mailed had been returned. I again contacted them and was told that the accounts were closed due to possibly being fraudulent.

I requested a call back from a bank supervisor and was told I would be contacted by the fraud department. I am still waiting to be contacted by someone.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of  the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; Original filling XXXX XX/XX/2015 2015
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and Experian, XXXX, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing
Consumer complaint received 2021-09-16
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. (FL)

On XX/XX/XXXX I informed Experian that I became aware of a debt collections that was being reported on my credit report from XXXX XXXX XXXX XXXX XXXX in the amount of XXXX requested verification of the that as of date ( XX/XX/XXXX ), I have received no response. XXXX XXXX XXXX. was also informed. I received no response as of date as well.
Consumer complaint received 2021-01-05
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: ACIMA CREDIT, LLC (CA)

XX/XX/XXXX, I submitted an Identity Theft Affidavit to XXXX, because someone had opened up and account with ACIMA CREDIT XXXX XXXX ( Account # XXXX ). I was sure to include my ID and proof of address for identification and residence verification. I never received a response back from XXXX  nor Acima regarding my dispute FCRA 605b ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I looked up my credit report today XX/XX/XXXX and seen that there still has not been an investigation per my right to request an investigation. This has been injurious to me, causing me mental and emotional distress. I was denied credit and opportunity to purchase a vehicle because of something that was not my fault. This is unfair to me as a consumer and a unwarranted defamation of my credit worthiness. I am providing proof that no investigation was conducted in order to correct this inaccurate information being reported about me. 
I AM RESENDING WHAT HAD BEEN SENT ORIGIONALLY BACK IN XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (GA)

XX/XX/year> i requested cancellation of PMI. In addition i requested reimbursement of 22 months overpaid PMI in the amount of XXXX XXXX. My PMI payments were successfully cancelled but reimbursement of overpaid PMI was denied via email and follow up phone call.
Consumer complaint received 2021-09-16
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. (PA)

This is " XXXX XXXX XXXX '', I am sending this request myself for you to seek your help and assistance about the flaws reporting on my Equifax Report. I am not linked to any credit company or any of its kind. I have been sending letters and reaching out to Equifax, asking them to address my concern and for them to furnish me with any legal documents that validate their judgments. However, my request has been neglected. I haven't heard any reply from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the inquiries Equifax failed to verify : XXXX/XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX XXXX  XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2021-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX, I submitted a dispute to Trans Union regarding 'hard ' inquiries that showed up on my Trans Union credit report. Trans Union has spent the last 5 months refusing to investigate the dispute. Despite having a legal duty to investigate the dispute, Trans Union has continued to refuse to investigate my disputes. They have sent me boilerplate letters instructing me that if I want an investigation completed, I need to take my grievance to the companies who pulled the reports. 

On XX/XX/XXXX, following months of stonewalling by Trans Unions, I submitted a complaint to your office. See Complaint No. XXXX. On XX/XX/XXXX, Trans Union, for the first time, acknowledged that Trans Union had a duty to investigate my dispute. They also informed this office that " Consumer Relations will enter [ my ] dispute into [ Trans Unions ] system and review all information and any additional documentation you provide to determine next steps ''. 

On XX/XX/XXXX, I received a letter in the mail from Trans Union indicating that they would not continue processing my dispute. They cited identity issues but they have been provided the exact identity documentation that they are requesting I provide. 

Since I have given Trans Union what documentation they claim to need, I can only construe this as a constructive refusal to investigate my dispute.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and XXXX, XXXX, and TransUnion are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing
Consumer complaint received 2021-09-16
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. (FL)

On XX/XX/2021 I mailed a letter of factual dispute and a copy of my credit reports attached to show the errors. As of today XX/XX/2021 there has been no updates to my XXXX XXXX, XXXX or Equifax credit reports. I have found multiple violations and errors on accounts in question without resolve such as different account numbers reporting to each credit bureau, or the lack of an account number, etc.
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC. (MI)

I wanted to pay off a personal loan from Santander Bank. ( I verified when signing for the loan that there were no early payment penalties. ) I refinanced my mortgage to pay off this loan. Since a payment was due close to the time that I was closing ( XX/XX/XXXX ), I canceled the autopay. Then my closing was delayed from XX/XX/XXXX to XX/XX/XXXX because I got XXXX and was so sick with fever, headache, and no voice that I couldn't even communicate with anyone from Santander. When my mortgage sent me the check to pay off the amount on the account {$10000.00}, I sent the check overnight. When talking to Santander on XX/XX/2024, they told me that they were adding fees daily. ( At that point, they had already added {$170.00} for unpaid interest since XX/XX/XXXX. ) Today when I called to see why the check was not applied to the account, they said that it would take a few more days to apply it. They ( XXXX from customer service ) also said that the interest would still accrue. I paid the {$35.00} late fee, but when I mentioned predatory lending practices, they put me on hold and didn't come back. After being on the phone from XXXX XXXX  ET, I disconnected and began this complaint. 

The XXXX attachments are the account information at the time the {$10000.00} check arrived at their place of business on XX/XX/2024. The second is the account information on XX/XX/2024.
Consumer complaint received 2021-09-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Numerous times i have contacted trans union to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX. If you can not show me proof on how these accounts were verified, please remove them.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX XXXX my ATM card was allegedly swiped at Wells Fargo in XXXX NJ multiple times to withdraw money from my account ; however my card was in our apartment in XXXX XXXX NJ and I was on the beach with my husband in Point XXXX XXXX NJ from XXXX to XXXX. From the multiple attempts one went through and {$1000.00} was stolen from my account. The debit card in question was a fresh replacement after another recent fraud. Nobody ever had access to my card, and nobody ever had access to our apartment- we have cameras both outside and inside. I used this new debit card only once - at the Wells Fargo in XXXX NJ to deposit money on XX/XX/XXXX. I am the only person who knows the PIN to this card, and it is not a personally chosen PIN but the one the bank gave me. Also, I don't think the PIN was even used for this transaction as it shows up as a swipe. I received no communication from Wells Fargo to approve these attempts, the only communication from the bank was after the fact, to verify the transactions - after the money was already gone. When I saw the text message I immediately called Wells Fargo to report the fraud. 

I don't think Wells Fargo is taking this case seriously. Somebody has stolen literally all my savings and I am left without money and without help. Nothing has happened in 10 days. 

I have also filed a police report, with the below details : XXXX XXXX POLICE DEPARTMENT CASE # : XXXX XXXX XXXX : XXXX DATE : XX/XX/XXXX