davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
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. (CA)

The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX  who was the second creditor. XXXX XXXX then sold the account to XXXX XXXXXXXX XXXX  who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX. There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted XXXX XXXX, and equifax regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel XXXX XXXX and equifax to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX ''. They are not the original creditor. The original creditor is " XXXX  ''. 

Thank you
Consumer complaint received 2019-02-02
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. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX ( XXXX ) XXXX BD : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Disputing error [ s ] on credit report I am writing to request a correction of the following information that appears on my Experian consumer report, according to XXXX XXXX XXXX XXXX XXXX when they requested a report : Dispute : In applying for various loans recently, I am receiving letters back denying my request due to : SERIOUS DELINQUENCY TOO FEW ACCTS CURRENT PAID AS AGREED LACK OF RECENT BANK/NATIONAL REVOLVING INFORMATION TOO MAY ACCTS WITH BALANCES LOW CREDIT SCORE ( XXXX  ) These comments are NOT true. I have attached each credit report and they do not reflect any of these things. 

I would like to request you investigate this issue and have this corrected as soon as possible. I have worked long and hard to have good/excellent credit and would like this my reports to reflect this. 


Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On Friday eve XX/XX/XXXX, I was advised by XXXX, MA Police Officer to check my checking account/debit card balance. I had called the XXXX Police Department ; they dispatched an Officer ( to my home ) as I complained that I believed that I was in the midst of a scam ; I stated that in was happening in real time. 

As my account was in tact, the Officer understood my reservations, but no crime had been committed at that time ; hence her advice to check my account regularly. 

On Sunday morning XX/XX/XXXX, I was now overdrawn {$400.00}. On Saturday XX/XX/XXXX, my balance was {$1600.00}. I went to my regular Citizens Bank ( on the XX/XX/XXXX ) to speak with a Manager about my situation ; I brought documentation. She was of little help, unwilling or unable, and referred me to the bank 's normal customer service telephone number.

On Sunday by telephone a bank employee took a detailed complaint. She stated that I would hear from an investigator within 2 business days. I have to hear from an investigator.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I am submitting this complaint because I am being extremely affected by Capital One National Association. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I was a XXXX XXXX and XXXX XXXX and late payments happened during XXXX and I was working and also XXXX  XXXX. 

I would be very happy if the company accepted my request. This would help me a lot. I believe that we can continue to have fruitful relationships in the future, I am very happy with your services. 

Please see the document attached : -Medical ID My account information is : Account number 1 : XXXX Account type : Credit Card Date opened : XX/XX/XXXX Account status : Open Balance : {$0.00} Account number 2 : XXXX Date opened : XX/XX/XXXX Account type : Auto Loan Account status : Open Balance : {$9400.00} Regarding my credit card Capital, the card was paid off in full and Capital One added interest after account was paid off, and this cause the late payment. 

Solution : For my Credit Card delete the XXXX late payment XXXX from my account or delete the account from all credit bureaus. On my Auto Loan I am requesting delete the XXXX late payment XXXX or delete de account and waive the balance. 

Thannk you!
Consumer complaint received 2019-02-02
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. (CA)

I have sent information to XXXX on several occassions regarding a home that I sold in XX/XX/XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( XXXX ) states that a creditor received a deed ( CRD  ) what creditor.Foreclosed I have never lost a house as XXXX XXXX XXXX was paid and also requested XXXX  and to take the word Foreclosure off my record. That was done by XXXX   XXXX  @ Executive Mortgage Complaints Office of Executive Complaints XXXXXXXX XXXX XXXX, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX  and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX   requested 4 times and 4 times for what as XXXX had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX on XX/XX/XXXX reference number # XXXX. XXXX XXXX phone # XXXX. ( XXXX I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and XXXX  says that they have no number. Come on The IRS.And XXXX  Inquiry on XX/XX/XXXX for what?.
Consumer complaint received 2021-09-28
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I have been violated as a federally protected consumer, natural person and original creditor under 15 USC Chapter 41. Equifax has violated 4 laws, as outlined in the attached materials that I've uploaded in my Affidavit of Truth. 14 days ago, I mailed Equifax my notarized Affidavit of Truth, my supporting exhibits, and my invoice with clearly defined terms and have not heard back from them on this matter, nor have I received my certified mail return receipts from them- so I have included screenshots to prove their receipt of my letters. I am demanding that all 4 of these fraudulent hard inquiry accounts be removed off of my credit report immediately, and that Equifax send me the invoice that I am owed for their illegal and discriminatory behaviors against me.
Consumer complaint received 2021-09-28
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. (FL)

This company did not follow proper procedures in accordance Under the laws of the State of Florida XXXX XXXX Therefore this account XXXX  : XXXX was deleted from my XXXX & XXXX Credit Report. But is still reporting to my transunion report. They are violating my rights. Please remove this account from my credit report immediately.
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (CA)

This letter is a follow up to my original letter regarding the inaccuracy in your credit reporting, regarding the entry being reported as Repossession and Charge-off. 

Pursuant to the class action settlement agreement effective XX/XX/2021, you are mandated to remove the repossession/charge-off from my credit reports. However, I was informed by your executive department that the entire trade line will be removed. I do not authorize the entire trade line to be deleted from my credit reports. I had 1.9 years of on-time payment history which is accurate. I never had a late payment. I only authorize you to remove the unlawful repossession and charge-off status and leave my on-time payment history. I have a copy of my sales contract whereas both parties agreed to report my payment history to the consumer reporting agencies. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for purpose of filing a complaint with the Federal Trade Commission and the Attorney Generals office should you continue your non-compliance. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2021-09-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..
Consumer complaint received 2021-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (AL)

Midland mortgage has added {$5500.00} to our mortgage statements. When we spoke with them they stated that charge was from the previous Mortgage Company that service the loan. However, for over 1 year and half they have failed to produce any receipts that validate this charge per written request to the Office of Vice President at Midland Mortgage. We just completed a modification as a result of COVID -19 and making payments. However, the statement due we received is now showing nearly {$8000.00} ( Statement Attached ) due when I payment is {$1600.00}. Even though we just modified the statements still show we are behind, but there is no validation of the fees. This mortgage was transferred to Midland on XX/XX/2016 ( Transfer Document Attached ). It was nearly four years before we saw these charges appear on our statements. Midland is stating the fees are attorney fees from XXXX who they purchased the loan from in 2016, but provided no documentation. In addition, they are stating the fees are for {$20.00} fees a month for someone driving by our home. I have emailed Midland and spoken with them to request these charges be removed. We spoke with them again today and receive the message don't worry those charges are only due at the end of the loan, but the charges are appearing due now on the statement. We are doing all we can to pay our mortgage and in the middle of all this pandemic and an extra {$5500.00} is added to your mortgage without any standard of justification.
Consumer complaint received 2019-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was making a transaction with a seller and he told me to pay through XXXX since it was the most convenient option. I went through with this payment method since my bank provided it, only to be scammed out of my money, which was more than XXXX . I have tried contacting the seller but have received no word. I looked to see how this issue is fixed but have seen in forums that my bank provider, Wells Fargo, does not honor protecting people through XXXX. I need to get my money back because I have payments coming up. I need help ASAP
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: EQUIFAX, INC. (MI)

regarding payment of XX/XX/2022 mortgage payment. XXXX XXXX is reporting it late although the payment was made my first servicing company. The mortgage was sold to another servicer. So payments were made and forwarded but they first servicer returned the mortgage payment instead of forwarding. attached is proof that payment was sent... then credited back to me... 
I need the negative late payment reported removed. 
XXXX XXXX Regarding XXXX. XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I filed a dispute for a wire transfer for the amount of {$23000.00} dollars that I found out was a scam 2 days after I completed the transfer. I call my financial institution ( Wells Fargo ) and requested a swift recall with all the beneficiaries acct info and bank name ( XXXX XXXX  ). I notified them that this was a scam and I have all the supporting documentation for the transaction. The wire transfer was sent on the XXXX of XX/XX/2021 and I requested the recall on the XXXX of XXXX however my financial institution did not contact the beneficiarys financial institution until XX/XX/XXXX to request a recall on the funds.This was a total of 27 days and or 20 business days after I notified the bank that this was a scam and my money was being stolen. The bank dispute page shows all disputed transactions will have a resolution within 10 days and temporary credit to my account if the investigation would take longer. Wells Fargo did not fulfill its fiduciary dutys to me as a customer in a reasonable time frame in a attempt to recall my money. I supplied wells Fargo with the police report number and supplied my local branch with all the supporting documentation. I feel as if Wells Fargo would have acted in a timely manor then the chances of me receiving some or all of my money back would have been greatly increased.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (FL)

Honestly, I don't even care if Barclay 's responds back this time. After the whole XXXX  before where they lowered my credit limit for some garbage reasons, they did it ago and in the 7 years I've been a faithful customer, I have gone from a {$2500.00} credit limit, down to {$500.00} when I just logged into their portal. Have nothing positive to say about Barclay 's. Honestly, CFPB, I wish the Fed Govt would just pull their operating license in the US. They don't deserve to have US consumers as customers. I could care less if they responded to this or not because their answer, or excuse, would be meaningless. They can claim validity all they want in what they are doing, but I have credit cards with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX, and not one of those other companies has done this XXXX. 

They are complete garbage! And I hope JetBlue pulls their branded credit card from them and gives it to a XXXX. Honestly, JetBlue customers would be much better off.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Have been the victim of identity theft since XXXX Never opened Perosnal Chehings and or Savings with Bank of America. 
I Never Opened any Business Account in my name with Bank Of America. 
As per XXXX XXXX I Owe a balance. This is the result of result of Fraud.
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CARD Corporation (CA)

Monday morning XX/XX/XXXX XXXX made a purchase at XXXX in XXXX California on the way to taking my children to the doctor. While in the waiting room I got a notification that {$480.00} was withdrawn from my account in XXXX California. I immediately called CARD.com and told them to stop that transaction. They said they couldnt because it was pending. They said they would help me resolve the issue. But first had to cancel my card. I told I have no money, that I needed to pull some out before they canceled it. They gave me the runaround the rest of day going to several different banks and cash advance place attempting to withdraw with no results. They then said oh sir youve reached your daily limit I said no I hadnt taken or received any amount. So they canceled the card & left me with nothing. They said they were going to email me a dispute form and needed me to fill out & fax back in order to start the investigation. 2 days later, no email/form. So I called CARD.com to ask when my new card would arrive and why havent I got the dispute form? They said that hadnt issued the new card, did I want them to? They then stated their investigation was over and they declined my dispute. I asked what investigation? I asked what did they do? I got no answer. I told them I googled the address where my money was stolen and talked to the XXXX at a XXXX. XXXX said they will work with XXXX-CARD.com to help resolve this. CARD.com flat out told me No, they dont need to do that. 
I get paid minimum wage, work very hard and I have XXXX children. Can you please help make this right!? Please! I still dont have a new card, I little to nothing. Thank you for anything you can do
Consumer complaint received 2021-09-28
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)

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( XXXX ) for verification of debt and material facts. 
ACCOUNTS : XXXX. XXXX XXXX XXXX ( XXXX XXXX OF XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) With continued use of unverified debt and contracts there are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; False or Misleading Representations 15 U.S.C. 1692e that does not meet Generally Accepted Accounting & Auditing Practices as verification is a federal violation will be used as evidence in Legal Claims.
Consumer complaint received 2021-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 
ACCOUNTS : 1. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX XXXX ) 3. XXXX XXXX XXXX ( XXXX XXXX XXXX ) With continued use of unverified debt and contracts there are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; False or Misleading Representations 15 U.S.C. 1692e that does not meet Generally Accepted Accounting & Auditing Practices as verification is a federal violation will be used as evidence in Legal Claims.
Consumer complaint received 2021-09-28
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. (FL)

I submitted a request for validation on a few accounts being listed on my credit report from the bureaus and have not received a single response. All I want is to confirm these accounts have been fully verified and the method of verification to ensure these are my accounts.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has sent us 2 credit card Invoices with XXXX balance. We did not authorize or inquire about credit cards. Cards were never issued. They said the accounts were opened by them in. XXXX XXXX and we received the 1st Invoice today XX/XX/XXXX We were informed that they get a commission for every new card-and may be the reason card was sent to us This has caused us great harm as our credit number has dropped too low now to buy a home. 

Can a credit card company do this? They said it would take up to 90 days to report the problem to the credit bureau- THEY SHOULD BE PUNISHED AND THIS PRACTICE STOPPED!