davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
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. (MS)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, PA XXXXXX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX
Consumer complaint received 2022-03-25
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. (MS)

On XX/XX/XXXX and XX/XX/XXXX, I mailed Equifax about a medical debt reporting to my consumer report. Equifax have failed to show on my consumer report that this alleged debt has been disputed. Equifax has also failed to provide me with the Name of the Creditor to whom is reporting this false information. I have asked Equifax to PLEASE PROVIDE THE CREDITOR NAME TO WHOM YOU ALLEGEDLY SAID I OWE. I WILL NEED YOU TO PROVIDE TO WHOM YOU TALKED TO, THE TIME AND DATE, AND PLEASE PROVIDE ME A COPY OF A RELEASE FORM GIVING EQUIFAX PERMISSION TO REPORT MEDICAL INFOMATION TO MY CONSUMER REPORT. Equifax is violating the HIPAA Laws and my right to privacy.This is a violation of my right pursuant to15 U.S. Code 1681i. This has cause a great hardship and stress.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (NC)

I have my primary checking account with Suntrust ( now Truist ) set up as the payment method for multiple bills. When the banks merged, customers were assured that routing numbers would not change, but they have. So far, direct deposits from my and my husband 's employers have been deposited without issue and most automatic drafts have been successful. However, on XXXX XXXX, I attempted to make a manual payment on our XXXX 's account using the same checking account and a few days later, Truist rejected the payment, citing " invalid account. '' I did not realize this until XXXX 's started contacting me regarding debt collection over a late payment. I am not able to reach anyone at Truist on the phone to inquire about why my account is rejected by this XXXX institution because the phone wait times are still hours long. Like millions of other customers, I have experienced nothing but frustration since the merger was complete and plan to move my accounts elsewhere, but in the meantime, I need my current bank account to work and customer service to help me.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (GA)

XXXX/ATLS/FORTIVA XXXX has been reporting false and inaccurate information to the credit bureaus in regards to a debt. I have questioned multiple times to have the information corrected on multiple occasions to the point where I just decided to pay the debt. This is a 2 company effort between XXXX XXXX XXXX and Fortiva XXXX. Fortiva XXXX is still recording this on my credit report even though it has already been paid to XXXX XXXX XXXX on XX/XX/2021.
Consumer complaint received 2020-03-17
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. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$25000.00} DEPTEDXXXX XXXX {$5900.00} DEPTEDXXXX XXXX {$12000.00} US DEP ED XXXX {$18000.00} XXXX XXXX XXXX {$3900.00} XXXX/XXXX XXXX {$8200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$5100.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$1400.00} XXXX XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX, XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$44000.00} DEPTEDXXXX   XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$8500.00} XXXX   XXXX XXXX {$4200.00} XXXX XXXX  XXXX {$4900.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$3800.00} US DEP ED XXXX {$15000.00} US DEP ED XXXX {$7700.00}
Consumer complaint received 2020-03-17
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. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$25000.00} DEPTEDXXXX XXXX {$5900.00} DEPTEDXXXX XXXX {$12000.00} US DEP ED XXXX {$18000.00} XXXX XXXX XXXX {$3900.00} XXXX/XXXX  XXXX {$8200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3500.00} XXXX  XXXX {$5100.00} XXXX  XXXX {$6000.00} XXXX XXXX {$1400.00} XXXX  XXXX {$5000.00} XXXX  XXXX {$5500.00} XXXX, XXXX XXXX {$1400.00} US DEP ED XXXX {$44000.00} DEPTEDXXXX   XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX XXXX {$8500.00} XXXX   XXXX XXXX {$4200.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$3800.00} US DEP ED XXXX {$15000.00} US DEP ED XXXX {$7700.00}
Consumer complaint received 2022-03-25
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: SYNCHRONY FINANCIAL (MD)

Good day, I am contacting you in regards to a complaint you've been assisting me with, the details : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021. 
I would like to ask for your assistance because the complaint I submitted was never resolved. On XXXX, 2021, Synchrony bank responded to the concerns ( raised by cfpb ), and stated : " Based upon you notifying Synchrony Bank that you did not authorize this credit application ; an electronic request has been sent to the major credit bureaus to have this inquiry deleted. Please note, the credit bureaus may require up to 60 days to complete this action. '' Unfortunately, the inquiry has never been deleted and my credit report and score are affected by Synchrony Bank 's misleading actions.
Consumer complaint received 2020-03-17
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. (AR)

I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I am unsure of how this happened. I need these items deleted from my credit report. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$200.00} XXXX AR XXXX {$200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$1200.00} XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$75.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXXT XXXX {$67.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$430.00}
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

I only took out 6 loans total with Sallie Mae of whom is now Navient. 
XX/XX/XXXX for {$1800.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$2000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$4000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$3500.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX ***NONE OF MY LOANS WERE EVER LATE OR DEFAULTED AS THEY WERE PAID OF BY XXXX XXXX IN XXXX OF XXXX I HAVE ENCLOSED DOCUMENTATION OF PROOF OF STATEMENT THAT I HAVE AND THEY ARE TRUE AND ACCURATE.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

I have a checking account at XXXX XXXX XXXX. On XX/XX/XXXX, I wrote and mailed a check for {$7000.00} to the US Treasury to pay my estimated tax for first quarter XXXX. I mailed the check the same day. The check was cashed and the funds removed from my account on XX/XX/XXXX. In XX/XX/XXXX, after receiving a notice from the IRS stating my payment for XXXX XXXX had not been received, I discovered the check had been stolen and cashed by the thief. I reported the theft to XXXX, which told me the check had been cashed at a Wells Fargo branch. Furthermore, the check had not been properly endorsed by the IRS. In fact, it had not been endorsed at all -- the back of the check was blank. So, Wells Fargo had cashed a check written to a Federal agency without first determining that the check had been properly endorsed by that agency. This was negligence on Wells Fargo 's part. I asked XXXX to sort this matter out with Wells Fargo and was told that Wells Fargo claimed the fraudulent transaction never occurred, even though Wells Fargo had received the funds from my account via XXXX. I made a number of attempts to sort this out with XXXX myself. I called the Wells Fargo customer service line and was told there was nothing they could do as I was not a Wells Fargo customer. I went in person to the Wells Fargo branch in XXXX, California, where the customer service rep was extremely rude, refused to look up the transaction on the WF system, and even suggested I might be attempting a scam. I went to a second Wells Fargo branch in XXXX XXXX, California. The CS rep at that branch was much nicer and researched the matter as much as he could, but ultimately said there was nothing he could for me at his level, that the matter needed to be handled at the corporate level and that I needed to have XXXX reach out to Wells Fargo on a corporate level. XXXX has not been willing to do this. My complaint against Wells Fargo is that the bank was negligent in cashing a check written to a Federal agency without first determining that the check had been properly endorsed by that agency. Wells Fargo is responsible for this mistake and for taking steps to correct it, which it has not done.
Consumer complaint received 2020-03-17
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. (AL)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I don't understand what is going on, but these items are not mine and the all need to be deleted from my credit report. 

XXXX XXXX XXXX {$51.00} XXXX   XXXX {$360.00} XXXX  XXXX {$360.00} XXXX  XXXX {$260.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$1300.00}
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

This is my 2nd attempt to get Experian to understand something is terribly wrong with their system. On XX/XX/2020, I paid off my car of XXXX dollars. On XX/XX/2020, I paid off my mortgage of XXXX XXXX dollars and my credit score dropped over 20 points, I went from good to fair. They continue to state keep accounts open. Well, a credit card I can understand that but not a car loan and a mortgage. I want to start the process if attempting to get another home but needless to say this is hindering me badly.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On the XXXX of XXXX I was informed that USAA had chosen to no longer do business with me, and would be closing my accounts. I was informed this process would take 60 days from the date of the letter. 60 days latter Im told it will be another 60 days. I contacted USAA for a hard date of when they could close my accounts. I just want my accounts closed and my money sent to me. At this point Ive lost all faith in this banking institution. I want nothing to do with them. I just want my money and I want to close my account. I dont even want insurance through them anymore.
Consumer complaint received 2020-03-29
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. (LA)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2020-03-17
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)

XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$630.00} on the XXXX XXXX XXXX original creditor XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) XXXX is claiming I ordered a sofa and that I confirmed delivery. I have attached a copy of the receipt they sent me alleging the signature on the delivery receipt is mine. The signature on the receipt does NOT belong to me and I never authorized and/or accepted this item. Nothing from XXXX was delivered to my address. This collection/charge-off is being reported in error and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (OH)

I have sent a cease and desist letter to these debt collectors. They can not collect on this debt or sue me as statute of limitations has expired. This is harassment at this pointXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} under my married name XXXX XXXX. This debt was from like XXXX.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS UI.S. BKPT CT XXXX not mine
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (WA)

Refinanced home through XXXX XXXX, XXXX XXXX XXXX sent us a check to payoff the HomeDepot account. The check was mailed XX/XX/2020. We just got a bill from Home Depot (  CitiBank ) that we were behind in our payments. XXXX XXXX from XXXX XXXX discovered that the check had been cashed on XX/XX/2020 by CitiBank. We made numerous attempts to contact CitiBank without success.When we did get them. they still said they did not receive payment. Today ( XXXX XXXX ) they finally put us through to the complaint department. The check was found after some checking by the department. According to them it had not been credited to our account due to no account number on the check. My husband had put the account number at the bottom of the check and made a copy of it before he mailed it. They said it should be credited to our account in about 10 to 15 days.
Consumer complaint received 2024-04-12
Product: Credit 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: WELLS FARGO & COMPANY (CT)

It was my Wells Fargo credit card, that I expected to have way more rewards from, than the way it was described to me. I had issues with both my credit card and my checking account. Probably this happened summer 2022
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

Consumer victim of XXXX data breach and cyber security attack ; that cause him to suffer from or experiencing now ( Identity theft/fraud ). The identity theft/fraud occurred between XX/XX/XXXX and XX/XX/XXXX. AMEX admits to data breach from employee having committed fraud in XXXX. 
On XX/XX/XXXX XXXX General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his XXXX  Credit Report to date. The documents are proof my Confidential and Personal Information was compromised by AMEX employee having committed fraud. As direct result of XXXX   XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX , XXXX ( XXXX ) and dba XXXX  XXXX XXXX ( XXXX  ) and AMEX arbitrary or capricious decision ( s ) to make or having made full disclosure or public record of ( 1 ) erroneous credit scores and false reporting of AMEX accounts about consumer presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). As direct result of such false reporting of trade lines, ( fraudulent  activities ) to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date
Consumer complaint received 2020-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

Paramount Recovery Systems has added {$3800.00} to my credit report that I do not owe. I do not know who this company is and have no contract with this company. I have never heard of this company until this was added to my credit report. XXXX   will not help in removing this.