davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX XXXX and the Creditors ( XXXX XXXX XXXX XXXX  XXXX XXXX At XXXX XXXX, XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2020-07-25
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. (TX)

Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$42.00} written off. {$42.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$42.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$1000.00} Highest Balance {$1200.00} Terms NA On Record UntilXXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Lease Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$17000.00} Highest Balance {$0.00} Terms 36 Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$4200.00} written off. 
Account TypeUnsecured Balance {$0.00} Date OpenedXXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Lease Balance- Date OpenedXXXX Dispute
Consumer complaint received 2018-04-29
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. (MA)

my relationship began with XXXX XXXX back in XXXX, back then I was led to believe that if one had no credit or e=was even looking to re establish a line of credit that as long as I made on time month payments and was in good standing throughout the agreement I would be ok. as just stated it is advertised and in their contract agreement. I have never been one to really examine or even request for my credit reports until the summer of XXXX, I expect greater things in life such as a house, a car etc. so as I started analyzing my reports I noted that XXXX was in fact reporting to the credit bureaus however, they were limiting what was being reported. the biggest thing that creditors look for when determining credit worthiness vs risk is a consumers payment history, available credit limits, debt to credit ratio, actual monthly payments, and account activity. XXXX negligence to implement those most critical pieces of information while submitting the little that they did has really made difficult for me to build a name in good faith in my community. you see as of XXXX XXXX I started my own business and my business has suffered severely. I cant get a business line of credit, a company vehicle, and my insurance was out of this world. to date I have given to the XXXX XXXX over 35,000.00 and my only source of income at the time being is a monthly social security check however, every month they were paid and paid on time. their method of reporting accurate information is not fair nor is it right when will it be fair to us consumers?
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

CitiBank refused to follow up on complaint XXXX. CitiBank refused to provide detail regarding amount owed, fees, overcharges and accrued late fees despite several dozen attempts following the original complaint referenced above. CitiBank made no effort to contact me in any way since XX/XX/XXXX. In addition to the dozens of phone calls I went into a CitiBank office in XXXX XXXX to attempt to rectify or come to some kind of agreement in regards to the resuming payments I was unable to make, and had never failed to make, prior to the mandatory statewide shutdown in California On XX/XX/XXXX CitiBank filed a lawsuit against me for {$4700.00} in XXXX XXXX XXXX XXXX. 

I received no notification by mail, email, nor phone calls regarding a lawsuit. I was served a summons for the case 11 months after the XX/XX/XXXX lawsuit filing in XXXX of XXXX.
Consumer complaint received 2022-08-26
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (NC)

I established a new checking and savings account with BBVA XX/XX/XXXX. Shortly after my wife initiated direct deposit of her payroll check to the new BBVA checking account. Two payroll transactions were deposited into the BBVA checking account on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$460.00} and {$1700.00}. On XX/XX/XXXX I initiated a money transfer from the BBVA checking account to a joint checking account that my wife and I have with XXXX. On XX/XX/XXXX I received a text notification from BBVA that the transfer was being blocked and to a call BBVA. I called on XX/XX/XXXX and was told the transfer was blocked because the original direct deposit transactions were in my wife 's XXXX XXXX XXXX name and the BBVA checking account was in my name XXXX XXXX XXXX. Because of this, BBVA stated the transfer to XXXX could not be executed. I inquired as to how the money could be accessed and was told that my wife would need to be added to the account or the original payroll deposits would need to be returned to the sending bank. When inquiring about adding my wife to the account I was told that she would. have to come into a branch. However the closest branch is in Alabama and we are located in North Carolina. So, the only option would to return the funds to the originating bank. I asked to have that done and was told the return funds transfer would be initiated. On XX/XX/XXXX two debit transactions were created against the BBVA checking account in the amount of the two payroll transactions indicating the funds return from BBVA to XXXX XXXX XXXX had been executed. However, after multiple weeks the funds never appeared in the XXXX XXXX XXXX account. In the ensuing weeks, multiple attempts have been made to contact BBVA for help in resolving the issues and tracking the funds or investigating what happened. To date they have been unable to provide an ACH trace number or even the account to which they directed the return funds. On XX/XX/XXXX I initiated a conference call with BBVA and XXXX XXXX XXXX representatives to try and further investigate what had happened to the funds. XXXX XXXX XXXX verified they had no record of the funds being returned. BBVA was again unable to provide the ACH trace number or account number to which they returned the funds. They stated they were not able to provide any other information about the funds or any other assistance in investigating what happened or where the funds were. At this point I would like to file a formal report and have a third party investigation initiated to determine what happened to the funds and have them returned to us.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

In XX/XX/2020 I had an unapproved XXXX XXXX XXXX  charge. I called my bank, Santander, they credited back the charge, cancelled my debit card, I waited for replacement card, received it did not give it to XXXX and then in XXXX the exact same charge appeared in my account again. I spoke with my bank and they assured me repeatedly they would not cancel my card because I just went through this, that it was attached to my checking account and they blocked the biller from my checking account. So XXXX morning I try to order something on-line and my card got shut off again! I have not received a replacement debit card for about 3 weeks now. Talk about having my money held hostage, I can not order a single XXXX gift on line, I have to keep driving back and forth to a bank to cash a check every time I need cash for groceries, gas, etc. Huge inconvenience and no one seems to care. I have incurred fees that I would normally not have to pay bills in person with cash instead of using the apps, etc.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (VA)

BRIDGECREST CREDIT C and XXXX XXXX XXXX C did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, BRIDGECREST CREDIT C and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.
Consumer complaint received 2018-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (VA)

on XX/XX/2018 i disputed a medical bill form XXXX XXXX XXXX on XXXX  and XXXX  credit reporting agency because i don't recall owing that debt. The medical bill was removed from XXXX  but not from XXXX  amount {$110.00}, i have tried unsuccessfully to dispute it again through XXXX  online dispute numerous time, but their system doesn't seem to work consistently because i am constantly getting error messages ( please see attached below ). a few weeks later I received a letter from XXXX XXXX XXXX date XX/XX/2018. I don't think i owe this balance and its adversely affecting ability to conduct any business.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-15
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: LEXISNEXIS (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in this complaint. I sent letters to LexisNexis the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them and I have proof that they receive the letter on XX/XX/2022. That means LexisNexis has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR DELETE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy Reference # : XXXX XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX  Account # : XXXX
Consumer complaint received 2020-07-25
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. (GA)

Hello I am making this complaint because I am livid! today i reviewed my credit report to find fraudulent items. There are several student loans that have been open without my knowledge and several credit cards that were opened without my knowledge. These accounts are fraudulent and I demand they be removed from my report. These accounts have hurt my credit-likeness. I am currently working with authorities to get to the bottom of this matter. I have filed a complaint with the FTC please see attached
Consumer complaint received 2020-07-25
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)

Hello I am making this complaint because I am livid! today i reviewed my credit report to find fraudulent items. There are several student loans that have been open without my knowledge and several credit cards that were opened without my knowledge. These accounts are fraudulent and I demand they be removed from my report. These accounts have hurt my credit-likeness. I am currently working with authorities to get to the bottom of this matter. I have filed a complaint with the FTC please see attached
Consumer complaint received 2018-07-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

The collection agency Overton, Russell, Doerr and Donovan put a Garnishment on my Social Security Benefits using a court papers dated XX/XX/XXXX which I was never served any papers to go to court. The 7 years Statue of Limitations expired on XX/XX/XXXX, This medical debt was supposedly incurred in XXXX, that is 10 years ago. I have always had health insurance.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Today, XX/XX/22 I went to XXXX XXXX to inquire about a vehicle while they were partnered with a local credit union. I specifically asked the agent if they would " shotgun '' or run my credit numerous times, as is standard practice for people doing poor business, and it adversely affects credit. He informed me no, just once. I signed for them to run it, with the agreement that they'd run it ONCE, understandably with the credit union. He said they had been making deals with people credit scores that weren't so great. They ran my credit SIX times, without my consent, all with places unrelated to the credit union. The information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-25
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. (GA)

Hello I am making this complaint because I am livid! today i reviewed my credit report to find fraudulent items. There are several student loans that have been open without my knowledge and several credit cards that were opened without my knowledge. These accounts are fraudulent and I demand they be removed from my report. These accounts have hurt my credit-likeness. I am currently working with authorities to get to the bottom of this matter. I have filed a complaint with the FTC please see attached
Consumer complaint received 2023-03-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is very dirty they say they are the best bank and they are the dirtiest bank they say they have the best rates they have the worst rates they lied and they lie about lots of things like charges to ur account random fees all sorts of things I think they need to pay up there charges they have im not sure how many times but there was multiple XXXX dollar charges on my account multiple times I had to have them waived and money being taken out of my account I was missing hundreds Im not sure how much I just noticed my account was being missed money and Im not sure the dates or times and I got tired of missing my money they are so frustrating to work with and Wells Fargo needs to take accountability for their actions regardless dates or times of whatever happens to customers and it happened to me and thats very frustrating to find that Wells Fargo mishandled propelled accounts dead peoples accounts multiple times needs to be change and hold the company responsible for what they do thats all I have to say about that
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

This is the second time that Wells Fargo has received the funds from a check I deposited, and did not make the funds available to me for 10days. In the first case I wrote a check from my business account and could see exactly when the funds came out, the second was from a settle with XXXX I am almost sure the payment has been cleared but they insist on making my funds available in 10days when they already have the money. 
On XX/XX/2022 I made a deposit a portion of the deposit was suppose to be available on XX/XX/2022. If there was something wrong with the check it would not have let me even deposit it. So I dont know what check or issue they have with the check but its a lie.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX and Account Number : XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mr. Cooper Group Inc. (TN)

Actually do a proper investigation in to the matter and quit providing falsified statements and documents since XX/XX/2014. Actually look at what I have provided through the cfpb and quit ignoring it. Actually look at cfpb # XXXX as well as all the others.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted Capital about a secured credit card that I had open and I wanted to close. I called in asking about how the process works with the security deposit. I was advised if there was a balance on the credit card the deposit would be applied to the account within 5 days of closure. I closed the account and waited for the deposit to be posted to the account. I waited 2 weeks and I finally called Capital One. The rep I spoke to indicated it should have happened within 5 days of closure and he was unsure why. He transferred me to a supervisor and the supervisor was unsure as well. He asked that I call back in a week. 5 days later I get a notification that my credit was decreased by 34 points because the account was closed and had a negative balance. I called Capital One again and was told it would take up to two billing cycles. I asked to speak to a supervisor because that wasn't the information I was provided previously. I spoke to a Supervisor named XXXX and he advised that he was unsure why the credit had not posted within the 5 days. After 1 hour on the phone he advises me that it could take up to 70 days to credit the account and that it was not their error even though he acknowledged I was provided incorrect informationon to include his initial response. I advised him this is unacceptable as this is effecting my credit and I only closed the account at the direction of Capital One with expectation of having this credit within 5 days. No one at this company is willing to assist in the error they clearly caused nor provide any assistance of remedy to the error.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid 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: DISCOVER BANK (CA)

Discover dispute department doesnt know how to handle fraud transactions. They kept on applying all the fraud charges I reported. I was a victim of identity theft and they dont even recognized that.