davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-08
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. (TX)

XXXX XXXX XXXX is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. XXXX XXXX XX/XX/1980 XXXX
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$520.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (UT)

I have been working with Wells Fargo for several years. I was approved for an unemployment program, and at the end of the unemployment program ended a few months ago, and Wells Fargo says the only option I have to save my home is to pay the loan current. How is this even possible? If I had the funds to bring the loan current, then I wouldn't have been late in the first place. I don't believe Wells Fargo has any intention of helping me, are jerking me around, and just lying to me. I'm supposed to have a " designated '' contact, however, they are never available and I'm always speaking with someone different. and every time I speak with someone different, I get different answers. Furthermore, they ask for a lot of information, which I provide very quickly. However, they keep losing my documentation, and keeps asking for the same stuff over and over again. Last, they claim that my financials don't qualify for additional help. However, they are basing my income off of the WRONG information. I keep trying to get them to correct it, but they REFUSE to help me. I appealed their decision, and the next day they sent me a letter denying my appeal. How does it take them several months to review something, and only 24 hours to deny an appeal!? They're telling me that my only options is to get foreclosed on, or sale my home.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2019 a withdraw of my personal checking account was authorized without my permission. I was hacked and had to change my account number. The total was {$2900.00}. The name appeared was XXXX XXXX and XXXX XXXX on 3 different transactions. I was not the one making these withdraws and would like my money back. Thanks XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Recently checked my profile and realized that personal and confidential information including my social has been compromised. This hinders me from opening bank accounts which is needed to handle day to day activities. My life have been heavily impacted by this and something needs to be done. I've read according to Federal Consumer Reporting agency that all consumers must be protected in case something like this occurs. In my name there are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you can see there are multiple banks that used my personal information. Need to be cleared from these institutions.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

My linked bank account was removed without any notification. 
I have attempted to contact support to determine why this happened, and to re-link the same account to enable money transfers. 

I have had 2 phone calls and 24 email messages to support, while often getting the same canned responses to re-link my account, which is the exact problem I've having problems with. 

Case # XXXX - phone Case # XXXX - email
Consumer complaint received 2019-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had to go on Military leave for a month and i contacted all my creditors to let them know i would be unavailable to make my payments until i got back from duty. Capital One assured me that it would not be a problem but once i returned i had an alert on my credit report that i had recent late payments. I called Capital one and the Rep said it was nothing he could do so i'm forced to file a compliant against them for these two accounts. 
CAPITAL ONE BANK USA NA -XXXX Opened XX/XX/XXXX Late payment XX/XX/XXXX, CAPITAL ONE BANK USA NA -XXXX Opened XX/XX/XXXX Late payment XX/XX/XXXX
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VT)

I got a letter from chase today by snail mail asking for more info about my disputes with XXXX and XXXX. The post office first delivered this letter to the wrong person. So it was delayed. The letter says the deadline for me to have my reply to chase is XX/XX/2022. Their web site will not let me reply in full because of a word limit. I don't have a fax machine. Snail mail will not get there in time. I think chase might have emailed me this letter already a long time ago and I might have already replied. But there is no record of this at chase.com. They should email me again and let me reply with no word limit.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

To whom this may concern ; I just try to see what is going on with my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Social security XXXX
Consumer complaint received 2019-06-18
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. (CT)

I received three emails from Equifax on XX/XX/2019, saying my disputes are done. When I only dispute two things on my credit report, which were only XXXX XXXX and XXXX XXXX. I went online to access my credit report and they told me that I am still answering the wrong questions on my credit report. So what is not right on my credit report if things on there which are not me. The next page said I need more information. Which Equifax has a copy of my light bill, my driver license, and a copy of my social security card, which I sent this last month. I can not see my credit report credit to see or what Equifax is doing without my permission. I am NOT allowed to access my own credit report and see what is going on. Equifax is blocking me from seeing my own credit report and I requested at the beginning of this month to receive a copy of my credit report. This is not right what Equifax is doing to me when everything in the United States is base on your credit. Now Equifax is not letting me see my credit report at all. 

Here is the copy of the emails Equifax sent me this morning : Dear XXXX This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 17 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you! 

Dear XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 17 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you! 


Dear XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now!

You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 24 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you!
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019, a summons was left on the ground of the front gate of my apartment building, exposing my personal information to the public. This is in regards to a debt that was removed from my credit report by Capital One and fraudulently replaced on my credit report by XXXX XXXX XXXX.
Consumer complaint received 2024-02-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MI)

Ive been in contact with this company over the last month over an amount that is incorrect and untrue. The company had initially agreed in my favor and assured that the debt would be removed from my report, after me sending multiple receipts and emails to and from the apartment complex in which the false debt originated. The company instructed me to call back in two weeks to verify removal. After two weeks I called back and have been getting the run around ever since. Each week there is another excuse, while my debt increases due to interest and my score decreases. Ive contacted the credit bureaus but that has done me no good because they just contact the sketchy collection agency who ignores the issue. Even after speaking with the manager Ive received rude and unanswered responses. It seems like they are just money hungry and are ignoring my proof that the money is not owed after ledgers and email receipts have been sent and received. At this point Im lost and dont know what to do. This false information is preventing me from moving on and creating a future and possibly buying a home. The amount they say is owed is for one months rent that is on the ledger as paid for XX/XX/2023, and is steady increasing which now is in the amount of $ XXXXThe original problem stems from the apartment complex themselves, after they themselves moved me to a second apartment due to multiple animal entrances from failure to close holes from the outside to the inside of my home. The manager gladly offered to move to from one apartment to another free of charge. The issue was XX/XX/2023. Once moved, I paid XXXX rent for the second apartment they moved me to. Out of nowhere another XXXX charge got added to my ledger. I was never informed that I was have to pay XXXX TWICE for two months after being offered to be transferred apartments, due to their mishap. Once I brought the issue up to management, the charge was removed, and again the ledger for XXXX rent stated paid. Once I moved out entirely from the apartment complex, they filed for collections of the first apartments rent for XXXX which was originally taken care of. After discussing and providing multiple implications of proof, of these transactions and interactions, which the collection agency is now in charge of, Im still getting the run around and the charge is steadily increases on my report. After speaking with the manager at genesis credit management collections llc, he stated that he doesnt know why Im making it such a big deal and where is my logic. Again I dont know where to go, who to talk to or what to do, because the collections agency is obviously just after the money even after siding with me and promising me removal from my report.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 I was illegal served a summons on behalf of XXXX XXXX XXXX. The summons was placed at my apartment gate exposing personal information to neighbors and the general public. This is after I have written to the credit reporting agencies asking XXXX to verify this debt.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2019 I was illegal served a summons on behalf of Midland Funding LLC. The summons was placed at my apartment gate exposing personal information to neighbors and the general public. This is after I have written to the credit reporting agencies asking Midland to verify this debt.
Consumer complaint received 2019-06-18
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. (TN)

cHECKED MY CREDIT REPORT AND NOTICED THAT THE ACCOUNTS IN MY CREDIT REPORT ARE NOT MINE REACHED OUT TO THE AGENCIES WITH NO HELP AND ITEMS STILL THERE
Consumer complaint received 2019-06-18
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. (NC)

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous. XXXX XXXX XXXX NEVEDA please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. These accounts were paid as agreed, not a charge off or transferred XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
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. (NC)

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. These accounts were paid as agreed, not a charge off or transferred XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
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. (NC)

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. These accounts were paid as agreed, not a charge off or transferred XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
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)

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX XXXX please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for
Consumer complaint received 2019-06-18
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)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX  XXXX
Consumer complaint received 2019-06-18
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ( Original Creditor : ) XXXX,
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

In XX/XX/2018 Our RV was at a park where the electric was provided by XXXX XXXX. Towards the end of XX/XX/XXXX we contacted XXXX to shut the power off at the time I believe it was two days after we moved. They did not shut the power off instead a new tenant was using the electricity through XX/XX/XXXXand now Helvey & Assoc. are attempting to hold me at fault for their clients negligence. I unsuccessfully disputed twice with the bureaus because Helvey and Associates description of events held more weight than mine even though they were not a part of the negotiations at the time we moved. I contacted Helvey and Associates explained the dates that we moved, we had the name of the person that we spoke with at XXXX, and the date and time of the call. We were told they couldnt verify it. I submitted my bank account statement showing in the month of XX/XX/XXXX before the middle of XX/XX/2018 my address had already been changed. I provided a copy of my XXXX statement showing a charge of {$1.00} from I believe XX/XX/XXXX from USPS. I have gone above trying to prove my good standing and great llengtjs to try to have this resolved only to be told the collection remained. Regardless proof was shown that I did not live at that address and they could have simply contacted the facility to obtain my move out date. I went through all of this to prove my innocence why would I not call to deactivate my electricity when I was no longer living there? Thank you for taking an objective look and hopefully provide a resolution.