davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX : {$25.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Consumer complaint received 2019-10-10
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)

XXXX ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX   XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 XXXX deposited {$1500.00} in my account which was my unemployment money. On XX/XX/21 {$1400.00} was stolen from my account through approximately XXXX charges of XXXX cents ( possibly some charges were more ) from " XXXX XXXX ''. I contacted Bank of America XXXX and " XXXX '' opened XXXX ( XXXX ) claims. I was later told the employee was in error in opening so many claims. I have made numerous calls regarding this matter to the XXXX Department. On one occasion I spent more than 90 minutes on the phone with a Supervisor who refused to put me in contact with the group researching and working on this situation. To this date Bank of America has credited back only {$940.00} and still owes me {$550.00}. After more calls seeking return of my funds, on XX/XX/21 there appeared numerous XXXX cent " XXXX XXXX '' XXXX leaving me with a negative balance of $ XXXX showing in this account. I contacted Bank of America XXXX again on XX/XX/21 and " XXXX '' filed a complaint on my behalf. Now I have received a letter from Bank of America dated XX/XX/21 referring to only one of the claim numbers for {$190.00} stating " No posting error has occurred on your account. '' and " ... we're unable to credit your account and we now consider this dispute closed. ''
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Multiple times I have requested that my non-public personal information and NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, to stop disclosing, to any and all non affiliate third parties. For example, Credit reporting Agencies, which are clearly by definition, non-affiliate third parties and qualify under the FCRA and the Dodd Frank Act for consumer privacy protection as non- affiliated third party. They have refused to stop disclosing and continue to violate my personal private information without my express written consent. Under the FCRA the Dodd Frank Act and the Privacy Act of 1974. This must stop immediately.
Consumer complaint received 2023-03-20
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} CXXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

name is XXXX XXXX XXXX they have so many different names on my account that I would like to get taking off I only want XXXX XXXX XXXX on my credit report no others
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc. (NJ)

National Enterprise Systems has called my place of employment five times in the last couple weeks to collect on a debt that I do not believe I owe. 

I just started recording the time and name of the representative calling. Today XX/XX/19 someone who identified themselves as XXXX XXXX called at XXXX asking for me to identify myself and confirm my social security number and my date of birth. I have read that the representatives of NES regularly use aliases so I am not even sure if that is his real name. 

I told them they could not call me at work and informed him that I had told the previous callers that they could not call me at work also. He then either lied, knowingly or unknowingly, and said that they had never called before. 

I informed him that he was violating the fair debt collection practices act and then he started talking over me so that I could not get a word in. He told me I was neglecting a debt owed but he would not identify who he was calling for unless I would provide personal information about myself which I refused to do out of privacy and identity theft concerns. 

He said that he would remove my work number from his call list but he is not the first person to do so, now I do not believe they take any action to prevent repeated violations of the FDCPA. 

I do have some old student loans that I owe on and I am making payments to the federal government on those loans because they were federally insured loans. But NES does not ever call about those loans so I believe they are either wrong of the calls are outright fraud.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Have falsely reporting late payments on ( XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 days late, XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 day late ) 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Date Opened : XX/XX/XXXX. Have falsely reporting late payments on ( XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 day late ) 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. 
I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2023-03-20
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent accounts in my file ASAP : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Creditor : NJ XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA credit card company withdrew my payment of {$460.00} twice, one on XX/XX/2019, and then another {$460.00} on XX/XX/2019. After a long communication back and forth, the unauthorized withdraw of {$460.00} by BBVA on XX/XX/2019 was finally reversed to my BBVA bank ( checking account ) on XX/XX/2019. However, also on XX/XX/2019, BBVA billed {$460.00} to my credit card account, and kept telling me to pay this {$460.00} to them. There is no reason I still owe BBVA {$460.00}, and BBVA is unwilling to remove this {$460.00} from my balance, and they can not provide a reasonable explain why this {$460.00} charged to me.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

I am writing to address a distressing matter concerning the closure of my Wells Fargo account and the failure to receive the promised {$320.00} bonus under a promotional offer. On XX/XX/XXXX, I opened a Everyday Checking account with Wells Fargo in response to a promotional offer that entailed receiving a {$320.00} bonus upon making a direct deposit of {$1000.00} or more. I promptly fulfilled this requirement on XX/XX/XXXX, fully expecting to receive the bonus as per the terms outlined by Wells Fargo. However, before I had the chance to receive the promised bonus, my account was abruptly closed on XX/XX/XXXX, citing inactivity within a mere 60-day period. While I acknowledge that there was indeed no activity within this timeframe, the duration of 60 days is unreasonably short. What exacerbates this situation is the lack of any prior warning or notification from Wells Fargo regarding the impending closure, depriving me of the opportunity to take corrective action. The closure of my account results in the forfeiture of the {$320.00} bonus that I rightfully earned by fulfilling the terms of the promotional offer. It is deeply disappointing and disheartening to have been denied this incentive due to circumstances beyond my control. I demand immediate redress from Wells Fargo. Firstly, I expect the promised {$320.00} bonus to be promptly credited to me, as originally agreed upon. Additionally, I urge Wells Fargo to review its policy regarding account closure and provide customers with adequate notice and opportunity to address any concerns before taking such drastic actions. Furthermore, I request a thorough investigation into this matter to ascertain why I did not receive the bonus despite fulfilling all the stipulated requirements. It is imperative that Wells Fargo upholds its commitment to customer satisfaction and transparency in all its dealings.
Consumer complaint received 2019-07-03
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. (NY)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT. IT HAS HOLD ME BACK FROM AQUIRING NEW CREDIT, PLEASE CONDUCT A REINVESTIGATION INTO YOUR CREDIT REPORTING INACCURACIES.
Consumer complaint received 2016-12-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (DC)

File a dispute through my credit monitoring company XXXX to remove a SunTrust Mortgage account that was first delinquent 7 years ago. SunTrust Mortgage responded that information was being reported accurately. The issue is not accuracy but age. The SunTrust Mortgage report list the subject account a a " XXXX '', which is defined as XXXX days past due in XXXX of XXXX. It was therefore past due in XXXX XXXX. Since this was 7 years ago the account, by law, should be remove when requested.
Consumer complaint received 2018-05-01
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. (TN)

I had ( 2 ) loans that were transferred to XXXX a few years ago. They are paid in full but reporting as late during the period I was in school. I've paid them in full and do not understand why they are reporting as late so many years ago when I was in school
Consumer complaint received 2019-09-19
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. (GA)

I have been requesting investigation of inquiries on my Equifax credit report since XX/XX/2019 due to me being a victim of identity theft. These inquiries still have not been deleted/blocked from my Equifax credit report and every time I send a written letter there has not been a response. With FCRA it states if there is no response in 30 days those items have to be removed. I did not make any transactions or make any inquries with those companies.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I noticed an unrecognized XXXX  credit card in my Experian account. I also noticed that my personal information are all incorrect, which includes birthyear, phone number, and address. I already contacted XXXX and the information on their end is correct. 

I disputed with Experian, but they said the information is accurate and did not remove the credit card. I tried calling, but the customer rep ended my call mid-way. I feel completely helpless, and my credit score is also messed up- it was around XXXX and now with the mixed up it is only about XXXX. 

This is also a serious privacy and information leak issue, because I got all the information from the other person.
Consumer complaint received 2021-11-30
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent dated XX/XX/2021. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and the inaccuracies about my accounts are continuously reported on my Equifax Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}
Consumer complaint received 2023-03-20
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 this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a letter dated XX/XX/XXXX from Midland Credit Management , Inc. stating that they were trying to collect a debt of {$410.00} on a supposed XXXX XXXX credit card. The last XXXX XXXX card I had was closed on XXXX XXXX  with a XXXX balance amount by the creditor due to lack of use, per my credit report. 

I saw that Midland Credit Management , Inc. made an inquiry on XXXX XXXX XXXX about my account. 

I believe that this is a fraudulent letter. I have also previously received phone call messages from supposed creditors for an " outstanding '' charge of, I believe, the same amount. I never answered those calls. 

I will be sending out a letter to them today ( XX/XX/XXXX ) based upon one of your letter templates. 

Thank you for your help.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (NJ)

I have been denied the opportunity to open a checking account by numerous financial institutions due to information provided to those institutions by Early Warning Services. Specifically, Early Warning Services is reporting fraudulent activity on previous accounts, despite no such fraudulent activity having occurred.
Consumer complaint received 2015-04-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: America’s Financial Choice, Inc. (IL)

Lender tried to garnish the full original amount of the loan and interest ( {$1000.00} ), not the amount that they even state was owed ( {$660.00} ). They also tried to send a wage assignment to my current employer, not the old employer that they had a " Wage Assignment '' for. When I got the loan they produced a wage assignment for my then employer XXXX XXXX, but when they filed the wage assignment they sent it to my current employer " XXXX XXXX ''. See attached Wage Assignment. They also tried to send the Wage Assignment even after I had sent a " Notice of Revocation of Wage Assignment ''.
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

XXXX XXXX : Called ditech regarding error on XX/XX/2019 Billing Statement. Billing Statement indicated Past Due Amount for XX/XX/2019. I advised Customer Rep. payment was made and check cleared by my financial institution. 
Customer rep. verified, advised statement was " mailed before payment was received. '' She could provide no reason why no notice of lack of payment and/or Notice of Late fees was mailed. 

I requested a duplicate statement reflecting an accurate account of the on-time payment, current balances of Principal and Escrow balances, as well, as the lack of late fee assessment. 

It is important to know the request for amended statement was based on prior experiences with this company and their lack of coordination and/or communication within and among departments. In addition, the company 's endorsement has been and will be required regarding insurance matters. 

However, there was a stipulation in the agreement that allows me to handle my own taxes that, in essence, allows ditech the option of reversal of payment through them, if it is deemed payments were not consistent. 

Based on previous experiences with ditech and their previous entities, this complaint is prophylactic in nature, as such alleging late payment history can trigger a reversion of my tax monies to their hands. 

I do not hold any confidence or trust in the performance and practices of ditech or their predecessors.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.