davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I called and closed my XXXX credit card account last XXXX shortly after I paid the annual fee for 2021. This year they are trying to charge me the fee again and have reported me to the credit bureaus as being 90 days late. How can I be 90 days late on an account that was closed a year ago? 

I dont know my account number due ro the fact the account has been closed for a year and I destroyed the card when the account was closed. All I can get is the first XXXX digits from my credit report.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Onity Group Inc. (CO)

Please reference old complaint which was closed prematurely. That number was XXXX. 

Phh Mortagage continues to deliver reverse Mortgage payment 1 to 3 days late depending on the month and associated Holidays. I contactedthe Federal Reserve and they stated thatthere are XXXX windowsduring the day to transfer money thru them to associated banks for Reverse Mortgagepurposes. The first XXXX frames ensure the recipientsreceive their money on the first business day of the month per contract. The third window is too latein the day and causes recipientsto receive money 2 to 4 days late depending on the month and associated Holidays. 
If PHH would only send the moneyto the XXXX XXXXXXXX time slot earlier, I would receive the money that I pay interest on every day. 

Thanks For Any Help You Might Render XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (OR)

I initiated an on-line transfer of {$4100.00} from my XXXX XXXX XXXX account to Bank of New York . The full sum of the transfer was to be deposited into their client, XXXX XXXX account. The transfer was initiated XX/XX/XXXX. XXXX XXXX client, who was the intended final recipient of the transfer, manages vacation property and they reported to me that the funds were not received. To this day the property management company has not received the funds. 

XXXX XXXX XXXX put a trace on the funds and Bank of New York responded they were unable to locate the funds. XXXX XXXX XXXX dropped the claim. I personally called Bank of New York and spoke with the transfer department regarding the transfer that was to be deposited into their clients account. The transfer department confirmed the XXXX XXXX account number used was correct and that {$4100.00} had been deposited into the XXXX XXXX account on XX/XX/XXXX. I was told the money was a bank to bank transfer and therefore the funds can not be returned to me directly. I spoke with the manager of the transfer department and he confirmed record of deposit to the proper account and informed me XXXX  XXXX XXXX would need to submit a Letter of Indemnity to move the case forward. XXXX XXXX XXXX escalated the case to their fraud department and I was informed by XXXX XXXX XXXXXXXX that the case was once again declined due to Bank of New York not responded to their request to investigate. 

I have been advised by a financial attorney that I am entitled to a confirmation of deposit of the transferred funds from Bank for New York be sent to my XXXX XXXX XXXX Branch Manager. I called Bank of New York again on XX/XX/XXXX and spoke with the manger of the transfer department, XXXX, a second time requesting a confirmation of deposit be sent to the XXXX branch manager where I have my account. XXXX laughed at me and stated he found this request highly unusual and that I have no right to any such documentation. I gave him the email of my XXXX  branch manager and requested he send documentation of transfer of funds. My branch manger has not received this confirmation as of this time.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} Date OpenedXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}
Consumer complaint received 2022-07-23
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. (CA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$340.00}
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( XX/XX/2021 ), 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 2021-04-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MN)

I received a letter from XXXX XXXX XXXX Address : PO box XXXX XXXX, IL XXXX. Account reference no XXXX. I confirm over the phone my the last XXXX digits of my SSN are correct ; my last name is incorrect ; I advised the agent that is no my legal name announced that I am a FRAUD VICTIM., and I have an EXTENDED ALERT on all my credit files. Also advised that this account was opened fraudulent over 19 years ago, XX/XX/2002 ; at the time, I was a minor. The agent told me I do not care what you are describing how you will pay for this amount you own, or We will be a force to pursue legal action against you. After requesting to speak to a manager or supervisor, the supervisor hangs up the phone after insulting me. I contacted this creditor several times and was placed on hold, and I was told several times ( " DO WHATEVER YOU LIKE WE DONT CARE '' ) I notified this collector that I would be filing a complaint with FDCPA, and they hang up the phone again for the fifth time.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

In XXXX there was an unauthorized transaction on my account for {$3700.00}. I reached out to Chase to dispute the transaction since it was not authorized. It seems that since it was done through XXXX, they denied my claim and never refunded my money. I went ahead and started the process of closing my account this morning at a Chase branch office. They told me to go on social media to fight the denial of this claim. I'll go ahead and do that as well.
Consumer complaint received 2018-05-10
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: Credit Technology, Inc. (CA)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CREDIT TECHNOLOGY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

My complaint is against XXXX XXXX XXXX.

They have been ask to place my account with XXXX XXXX  as in dispute. They have refused to do this. They want to here this from XXXX but I feel that I am their customer and they should serve me not the client that the claim is against.
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX XXXX Dept Of Ed Account # XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX XXXX Dept Of Ed Account # XXXX XXXX XXXX XXXX Account  # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX XXXX  Dept Of Ed Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-23
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. (AZ)

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. On XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX XXXX added a derogatory mark on my credit report per Equifax. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Equifax has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX, XXXX, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-07-30
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Coinbase, Inc. (CO)

I have had an account with Coinbase for the past three years. It is attached to my checking. I have had a portion of my pay check automatically deducted for almost three years. 

On XX/XX/18, I was moving my Cyrpto currency to a new platform when Coinbase suspended my trading activities. They even froze my crypts. I then tried to cancel my account but I have received no word after sending out several ticket requests. 

They also wanted me to verify my identity. I attempted f times to do thisand every time they said they my Drivers Licensee was not legible and to try again in 48 hours. 

According to Coinbase XXXX, they are allowed to suspend my trading activities without warning. However, their terms of service also state that : 1. I can close my account at any time 2. By their XXXX Coinbase is to distribute the remaining balance of my closed account
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquiry and or Collection Accountwhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

I have try to work a payment plan with Target stores! No success there! Due to XXXX Im unemployed!! Limited income! Last payment made on XXXX XXXX {$82.00} card balance {$160.00} now card balance {$320.00} due to increments of {$39.00} in late fees!! Dont mind paying interested!! I have try to work a payment plan!! Dont agree with late fees!! I appreciate the understanding of the situation we all leaving now!!! Thank you
Consumer complaint received 2018-05-10
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)

Greetings, I have initiated a multiple disputes with EQUIFAX over the past few months to remove unauthorized/unknown Inquiries that they have failed to fully validated that I initiated. It has been well over the 30 days given for EQUIFAX to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized/unknown Inquiries belongs to me aswell. Below are the reporting Inquiries that should be REMOVED / DELETED from my EQUIFAX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX/XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX   - Date Filed : XX/XX/XXXX 6 ) XXXX XXXX - Date Filed : XX/XX/XXXX
Consumer complaint received 2023-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (NC)

I received a call from a company called XXXX, phone number : XXXX on XX/XX/23 regarding a debt from XXXX XXXX. I went to XXXX XXXX website and confirmed that th debt was valid and paid it that same day. I called first point back and got to the same lady who called me. I made her aware that the payment was made and provided her with her reference number. Today, XX/XX/23. I received another call from her asking me to pay again. I called XXXX XXXX and confirmed that there was no current balance owed. I called her back and made her aware. A gentleman picked up the phone before and was very rude and combative. He transferred me over to her. I asked her to remove me from their list and to confirm with XXXX XXXX. She stated that she would remove me, but if the balance is not paid.. I reminded her that it was up to her company to validate the debt before calling me back and that I would take legal action should I be negatively impacted for a debt that is already paid. 

I am reporting this because I do not have any confidence that this company will do their due diligence ve to validate the debt.
Consumer complaint received 2021-11-30
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. (CA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have submitted the information they have requested of me for over a month but they still will not remove the freeze from my reports but they still have not done it. This causing me to not be able to get credit to help build my credit up. 
I have send them copies of all my id 's and all the other paper work they have requested of me. 
Please help me to get this matter resolve soon as possible because the bank can not issue me the loan they have approved me for. 

Thank you XXXX XXXX Cell : ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (GA)

I have an XXXX account which is a multi-currency exchange/wallet.  I attempted to connect my PNC checking account to fund mu XXXX   account and I receive a message stating that my bank made changes preventing this action. I did not authorize this change nor do I want it preventing me from spend or send my funds as I choose to
Consumer complaint received 2021-02-12
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: TD BANK US HOLDING COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card, Nordstrom/TD Bank USA, and TD Bank USA/Targetcred. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$5000.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$6100.00}. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00}