davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
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. (FL)

XXXX did not address inaccurate credit reporting. I do not have an open mortgage account with XXXX XXXX XXXX as of XXXX The account last activity is not XX/XX/XXXX butXX/XX/XXXX The account does not have a past due amount but has a 0 balanace. The amount status is not 31-60 days past due but Pays-As-Agreed. The account is not open but is Closed. The account does not have a balance but is PAID OFF. The Account Status should be Pays As Agreed on XX/XX/XXXX, XX/XX/XXXX and Paid Off/Closed XX/XX/XXXX. However, XXXX did not address any of the original complaint listed above and in the original complaint. The company keeps updating Account Comments on the account in my credit reporting without updating Account Status and Account Last Activity. The company has not updated Account information sinceXX/XX/XXXX and refuses to addresses these issues after I have called and spoken with several XXXX representatives on several occasions. One XXXX  representative said " We show your account as 'Paid Off '. It is strange why we did not send an update to the credit reporting agencies to update your account. '' Hence, the numerous XXXX complaints. I tried to address this with the company before filing complaints with XXXX   XXXX, and Equifax. The company failed to resolve.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: TD BANK US HOLDING COMPANY (FL)

I opened the prepaid card back in XXXX I with Td bank with the understanding that they dont charge interest rates on a prepaid card because they would never let me go over and what I spend is only {$300.00} but it was capped off at XXXX I asked for the account to be closed and Im still being charged a interest rate and being reported to the credit bureau as having late payments
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMCOL Systems, Inc. (IN)

On or about Monday XX/XX/2020 I received mail that just had a P.O. Box number from XXXX, SC XXXX addressed to me and upon opening it I saw 4 sheets of paper the first one Had XXXX XXXX XXXX ( which is a hospital in Indiana that I have been corresponding with ) it said RE : patient XXXX XXXX Account number ( it had 2 ) date of service and balance. It asked for 7 different proofs of financial information and had XXXX XXXX address at the bottom. One had my address and the others were asking for personal info. There was not a letter explaining it came from a collection agency but I found it strange that XXXX XXXX hadnt inserted a letter explaining it was from them so I looked the address and discovered it came from Amcol debt collection. I knew the name because they are reporting on my credit reports. This was as dishonest as it gets. Im not sure if XXXX XXXX allows this but if they do thats not right but honestly I dont think the knew because they already have my info.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (PA)

I sent Equifax a letter disputing account ; XXXX XXXX XXXX XXXX and XXXX hard inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX  on XX/XX/2021. In the dispute letter I demanded that Equifax comply with Federal Law 15 USC 1681C-2 ( A ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Equifax received my letter on XX/XX/2021. Today is XX/XX/2021, according to this law Equifax was suppose to block/delete this fraudulent account and inquiries 4 days after the date of receipt. Therefore, Equifax is in violation of Federal Law 15 USC 1681C-2 ( A ).
Consumer complaint received 2020-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

Ive notified CHFA several times that until we are two income household again mortgage will be one month behind. However they call and attempt to collect every day causing me distress and harassing me early in the morning during my work hours and now late at night. I fear retaliation of going into foreclosure because Ive expressed they are harassing me. We are paying mortgage and not even a month behind currently yet they call me everyday causing anxiety and distress. Ive given a date of when payment can be made but I was told it doesnt matter and they will still call. Dont know what to do other than ignore them until I can pay as they are not working with us to support.
Consumer complaint received 2021-10-11
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. (DE)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account : XXXXXXXX XXXX XXXXXXXXBalance {$0.00} DEPT OF ED/XXXXBalance $ 0-Original amount : {$2700.00} DEPT OF ED/XXXXBalance $ 0-Original amount : {$3000.00} DEPT OF EDXXXX-XXXX-Balance $ XXXX-Original amount : {$2200.00}
Consumer complaint received 2018-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX purchased 4 defaulted credit card accounts in XX/XX/XXXX or XX/XX/XXXX that were defaulted and written off in XX/XX/XXXX. They have sued me repeatedly for $ XXXX in court over these old accounts and now falsely damaging my credit with false information show the open dates as XX/XX/XXXX which is incorrect. I went in default in XX/XX/XXXX during a custody battle over my grand kids in my custody through CPS. I am divorced and in XXXX   trying to rebuild my life.
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (MD)

XXXX XXXX is reporting over 30 fraudulent transactions Resulting from that identity theft. I have decided this Dispute this matter Several times every times.And also sent FTC report and requesting that all inquiries be delete it
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ) has been sending me collection notices in the amount of {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (MD)

XXXX XXXX is reporting over 30 fraudulent transactions Resulting from that identity theft. I have decided this Dispute this matter Several times every times.And also sent FTC report and requesting that all inquiries be delete it
Consumer complaint received 2021-10-11
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: Santander Consumer USA Holdings Inc. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number XXXX XXXX This is not mine.
Consumer complaint received 2021-10-11
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: Resurgent Capital Services L.P. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-11
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. (PA)

After noticing my identity was stolen I notified XXXX, Experian, and XXXX that there were fraudulent accounts and inquiries being reported without my permission or consent. Starting with US SM BUS ADMIN ODA XXXX XXXXXXXX XXXX on XX/XX/2021 and XXXX XXXX, XXXX XXXX on XXXX XXXX, XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I sent out my own letter not using a third party " credit repair '' service.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

There is a XXXX account i have fought multiple times, keeps getting closed or removed and then sold to other companies, i provided this info to all 3 credit bureos and experien was the only one giving me trouble and wouldnt remove it from the account, they make it really hard for credit repair and take way to long to update it, i disputed XXXX ( for XXXX  ) and they did nor remove it even though the accoun is closed and removed from XXXX and XXXX ( proof provided )
Consumer complaint received 2021-12-07
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. (NJ)

This is my 2nd complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I went to the bank and got a report of my deposits so I could do my taxes. The deposits unfortunately do not match my records. Many of my employment checks do not have history on my account. 
They have never been recorded! 
The XXXX is also saying I have no record of these payments so they are holding up my claim so I believe the banks reporting is causing a hold up on my unemployment funds. 

What ever the XXXX and Wells Fargo bank are doing it seems they are doing it together. 

Attached is an accounting of all the checks I have. This is major fraud. 

Ive only had my Two accounts with Wells Fargo since 2019
Consumer complaint received 2020-01-31
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)

On XX/XX/XXXX we filed a CFPB complaint against all ( 3 ) credit bureaus Transunion, XXXX, and XXXX  as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX " We filed a federal lawsuit against ( 5 ) major banks on XX/XX/XXXX regarding our mortgage for mortgage fraud which are XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, vs XXXX  XXXX XXXX XXXX XXXX, et al., Defendants ~ Case No. # XXXX XXXX filed on XX/XX/XXXX IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS XXXX   DIVISION ~ Judge XXXX XXXX . On that very same day XX/XX/XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave Transunion, XXXX, and XXXX   the Federal Case Number # XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XX/XX/XXXX. However, all ( 3 ) credit bureaus allowed ( 8 ) credit accounts to be closed on my wife XXXX XXXX XXXX and ( 6 ) credit cards for XXXX XXXX XXXX which negatively impacted our credit scores with high interest rates and impossible to get loans much needed for many years. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all ( 3 ) credit bureaus to have allowed such damages to occur. '' " The response from all ( 3 ) credit bureaus was identical that they couldn't find XXXX on our credit report. XXXX had been removed after Judge XXXX XXXX ordered them to take off the derogatory credit and correct it and it took months before they finished taking it off so by this time we had been affected greatly and we're still struggling to repair our credit. We would like a response when all ( 3 ) credit bureaus will make restitution and repair our credit immediately. "
Consumer complaint received 2021-12-07
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. (PA)

This is my 2nd complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I sometimes help/folks within the XXXXXXXX XXXX to help setup their projects as a side fun activity whenever I have time outside of work. And I have been doing so for the past 3-4 years, from which I have been collecting small payments that I also been reporting on my personal taxes as gains. Other banks that I use for this service are XXXX XXXX and XXXXXXXX XXXX through their XXXX platform. 

On XX/XX/XXXX a man that I have known ( online ) for about a decent 1-2 years, approached me and asked me if I could help him out with his side project that he was working on. After carefully reviewing I gave him a price quote of {$2700.00} < this includes my expenses close to {$2000.00} to help this individual. ( I attached pictures of our conversations ) He agreed and asked me if he could simply just XXXX the full {$2700.00}, in which I agreed. But he made up some excuse and asked me to only send {$980.00} form his personal account because he reached his daily limit ( picture attached - XXXX XXXX XXXXXXXX XXXX ) XXXX he then asked if he could send the rest of the payment from his girlfriends XXXX  account which was {$1700.00} ( XXXX XXXX ) The next day I wake up to an email stating that my account was restricted and would need to call you guys for support and resolve this issue. I run through with the rep and explain everything to him, the first thing that comes out of his mouth is that what I'm doing as a service is against TOS of XXXX because I'm operating a business. In which I'm not, I do this for fun and my profit is just my labor as my expenses to help the individual is subnational and close to 85 % of the total payment. Nevertheless, I have been accepting payments for such gig since early XXXX from banks like XXXX and XXXX XXXX and they have never complained to me once nor have I caused any XXXX related problems. 

The user issued a merchandize scam with their bank which is clearly XXXX, I have never met the individual in person, I live in XXXX and have not been out of state since early XXXX.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have contacted Equifax with regards to a XXXX XXXX XXXX Credit Card with a balance of {$9100.00} that was supposedly opened on XX/XX/2018 that is reporting on my credit file that does not belong to me. This account is reporting either in error or as a result of identity theft. In either case, please assist me in getting this account removed from my credit file.