davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I had a credit card with Barclays bank. 
It was charged off in XXXX with a balance of {$2000.00}. 
I reached a settlement with them for {$910.00} which is supposed to be paid by XX/XX/XXXX. 
I sent a check for {$910.00} which they received by XX/XX/XXXX and it was posted to account on XX/XX/XXXX. 
According to the agreement, " As of the date of this letter, your account balance is {$2000.00}. Once receipt of the agreed settlement amount of {$910.00} by XX/XX/XXXX ( plus an additional 15-day waiting period to validate funds ) is confirmed we will consider your account balance settled- for an amount less than the full balance - and will send an update to the credit reporting agencies '', they didnot update my credit reports accurately. 
On XXXX, they updated my credit reports saying I made the payment of {$910.00} and remaining {$1100.00} as still balance on the account instead of reporting settlement and making the balance XXXX according to settlement agreement. 
This inaccurate reporting is affecting my account status utilization ratio and thus affecting my credit score adversely. 
I reached out to Office of the presidents, Barclays for resolution but there is no resolution after two weeks of initiating a complaint with them. 
If they don't respond to this complaint and update my credit reports accurately by reporting a settlement when it was completed back in XXXX, I will bring a lawsuit against Barclays.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

We keep getting arbitrarily harassed by TD Bank and their merchant services affiliate XXXX - like for today for example we woke up to try and login to our XXXX XXXX account ( a feature created by XXXX to access our credit card deposits/chargebacks/etc ) and the " password didn't work. '' So then after we changed the password by authenticating ourselves a few times via email, and were able to log in, the entire data for merchant account ending in XXXX was completely and totally deleted, we think in retaliation for filing so many bona fide legitimate complaints against these XXXX entities with the CFPB and the XXXX XXXX. Please urgently investigate and advise.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX Experian was sent a SECOND letter via certified mail ( copy attached ) detailing inaccuracies in credit reporting and verification. This letter was complete with all company names, account numbers, and specific concerns involving each item in question. A copy of state issued drivers license and social security card were also inculed as identity verification. As of todays date XX/XX/XXXX, there has been no response to the demands indicated in that letter. A complaint was filed with CFPB and on XX/XX/XXXX XXXX  responded that they were unablle to proceed because they needed the names and account numbers that they had already been provived. Experian continues to maintain that they have investigated and results are accurately reporting despite never providing details of how this investegation results were determined per my rights as a Texas consumer. Experian ia also sharing information with a third party company XXXX which was not authorized by me. This third party company has also been sent cease and desist letter yet Experian continues to illegally provide/ exchange my personal information with this third party company without my authorization or consent.
Consumer complaint received 2020-07-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-06-28
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. (PA)

I have send several letter pertaining to this matter already, along with copies of the police report. 
XXXX XXXX Account # XXXX Balance {$500.00} Opened- XX/XX/2019
Consumer complaint received 2022-01-13
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$13000.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

My. Acct was closed back in XXXX  had XXXX in my acct, I was hit with fees wells Fargo never resolved it and they never removed the fees and closed my acct. Never got my money back.
Consumer complaint received 2023-03-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

theBank Of Americaback in year XXXX  when the pandemic almost wiped out all of the human population ; theBank Of America ( FDIC Member ) recorded TWO ( 2 ) hard inquires for the amount of ONE credit card [ XXXX XXXX XXXX XXXX XXXX ] approval! 

I have recently been approved for an additional yet different credit card. BUT! Because of this atrocity that occurred in the year of XXXX, the hard inquired should be canceled out and/or deleted. 


Thank you for your time.
Consumer complaint received 2021-08-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My Husband XXXX XXXX XXXX and I started two 5-year CDs in XXXX, at Capital One Bank. They were supposed to be jointly owned and the accounts originally labelled the CDs as such. Now after the Estate department from Capital One had the details of my husband 's death, the CDs don't say joint anymore- the new records show each of us as individually owning one of the CDs. 
My husband passed away on XX/XX/XXXX, and his will and the Trust document clearly state that all his assets will pass unfettered to me and I am to be the trustee after he passes away. 
I passed these documents to Capital One 's estate department after his death and asked them to do one of the following : Add my name to my husband 's CD account ( this is my preferred choice in line with my husband 's Trust Document ) or Keep the CD in my husband 's Trust account with the EIN number I have got for his Trust and add me as Trustee as per my husband 's Trust document.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XXXX 2021, my credit was affected by XXXX XXXX XXXX and Equifax. 


Equifax mixed credit files with a person similar to my name and they refuse to fix it. 

Upon further review, XXXX XXXX XXXX placed inaccurate/unverified collection for {$660.00}. 

I sent a debt validation letter and XXXX XXXX XXXX sent me a printed bill, without my social security or wet ink signature. 

Furthermore the address is unknown to me, as this is not my address. 

According to the FCRA FAIR CREDIT REPORTING ACT this bill does not constitute proper validation. 

I want XXXX XXXX XXXX to delete this inaccurate information from my credit reports XXXX XXXX and Equifax.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (VA)

I believe this collection was placed on my XXXX credit file on XX/XX/XXXX in the amount of {$200.00}. I did not know about the negative entry on my file until on or around the end of XX/XX/XXXX when I sent ( via USPS ) a full validation request because I have never heard of this collection agency. I have never had any dealing with them, I have never received any mail from them ( until after my validation request ), I do not know or have I ever received any services from the listed original creditor and lastly, I do not have any contracts with either obligating me to any debt ( and to date they have not been able to provide any ). In addition all letters read as they are coming directly from the original creditor and re-direct you to contact them. ( ( See attached letters ).

I received two letters from this collection agency dated XX/XX/XXXX. ( Please note that we are in XX/XX/XXXX not XX/XX/XXXX ) and this is just a sloppy attempt to collect a debt and probably just revised form sent to me without a final quality control check ). One stating XXXX XXXX XXXX has conducted its own investigation and has determined the account is accurate and my responsibility. The other stating that an investigation between them and the original creditor is still ongoing. So which is it? How can one letter state that they have made a conclusion the debt is valid and the other state they are still investigating it. That makes no sense. That means they placed this erroneous and damaging information on my credit report before solely based on receiving misleading information from what source??? If they can provide proper validation in the reasonable amount of time I have given them ( 5 months ), then certainly I must assume they do not have any competent evidence or paperwork to substantiate this false claim. 

I received a 3rd and 4th letter ( separately ) once again stating they are still investigating the matter and another alleging they confirmed the debt but do not recall the dates because all of the letters are dated XX/XX/XXXX and I did not keep the envelopes they came in. 

I immediately followed-up with a second validation letter ( dated XX/XX/XXXX ) to inform them that they failed to validate the information and a request to explain the contradiction above. Since they saw fit to damage my credit, once again, they must have all of the proper information to collect any money from me. 

As stated in my validation letter, I have no recollection of receiving any services from the original creditor. In fact, I am very sure I have not. I do not live anywhere near the location of the original creditor so there would be no reason for me to render any services from them. 

To date I have not heard anything back from my 2nd request of validation, yet this information continues to damage my good credit.

I demand this agency cease collections immediate and remove this item from my credit if they can not validate the account properly.
Consumer complaint received 2019-09-28
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)

XXXX XXXX person call me from there office asking me about an account back in 2002 with XXXX XXXX XXXX  in regards to my credit card running late. First I still have XXXX XXXX XXXX card in which I spoke to them and told them that the person called me from XXXX XXXX telling me about my credit and going down my credit report one creditor after another one and asking me why I disputed this and that. Was asking me questions about my credit cards and how one of my XXXX credit cards had a high limit. XXXX XXXX obtain information that is false as I was told by XXXX  XXXX XXXX  back in 2002. XXXX XXXX also ran my credit in places I did not give them permission for some one to go down my file. XXXX XXXX is not a credit bureau nor a Financial place of business to be calling me going over my credit file asking me about things finance and why I disputed who I disputed and why. I see fraud done to how they obtain my information and want the credit bureaus to mail me a copy out regarding any credit pull by a company named XXXX XXXX. I have had fraud done.
Consumer complaint received 2021-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (FL)

Affirm inc. 
Account number XXXX Unsecure loans Date opened XX/XX/2021 Status updated on XX/XX/2021 XXXX original amount Balance of {$1200.00} 6 month ter Balance updated on XX/XX/2021
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (CA)

Good evening my name is XXXX I have an account in XXXX and they send me reports about my credit and I just got 2 different hard credit inquiries in 4 days without my authorization and without asking for any loan or new credit car at all in the last months. 
just want to be sure there is not any problem with identity theft. 
this are the companies and dates : XXXX XXXX XXXX on XX/XX/2020 Comenitycapital/XXXX XX/XX/2020 XXXX
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALCHRO INC. (FL)

When threw XXXX and all was covered by my Medical Plan, and after 1 year they came telling me I have a balance to pay which was paid from my Medical Plan... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$1700.00} XXXX : FST FEDERAL CREDIT & COL. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... {$75.00} XXXX : FST FEDERAL CREDIT & COL. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. XXXX XXXX
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (VA)

I have been using the service Robinhood for about XXXX  year with no problems. In the beginning of XX/XX/2024, with no communication, Robinhood placed my account under restriction and said I needed to provide information to move forward to un-restrict my account. I provided that in a timely manner. They replied with an email saying I needed to send in more information, which I promptly did, and they still denied me access to my account. They said I was required to call them to provide even more information, which I have done XXXX separate times now, for a total talk time of over an hour. The second call was the exact same as the first, just XXXX longer, and has seemingly yielded the exact same result. These calls cost me money. Each time I provide my correct information, Robinhood comes back and says it's not enough and I need to provide more information. All the transactions have been initiated, approved, and completed by me. My bank account has all receipts needed to continue to verify I am the only one controlling my account. Besides Robinhood now. They are keeping XXXX XXXX of my own money from me because of this.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Credit Bureau Services Association (TX)

The address is as follows... 

CBSA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX www.cbsasolutions.com. 
Reference # XXXX My problems are numerous and are as follows. I was hospitalized XXXX  in XXXX months and the bills are CRAZY. I go to their website and everytime I go there it says their servers are down. I've finally gotten most of these bills payed off but admittedly have gotten behind. On top of that I was recently hit with credit card fraud and my account will be short XXXX XXXX on this coming XXXX. I can begin paying them little by little. 

Just tell them to resend the bill and I can pay it. 

SLOWLY. 

I still owe about XXXX XXXX  for medicine. 

Also, this is not a dispute. I actually owe the money but haven't been able to pay just yet.
Consumer complaint received 2018-02-13
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. (AZ)

I am a victim of identity theft. The following credit inquiry is fraudulent, unauthorized and dont belong to me : XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX. I never applied for a XXXX XXXX  credit card.
Consumer complaint received 2021-06-28
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: CORELOGIC INC (CT)

These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CREDCO-AUTO Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft CREDCO-AUTO Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

8. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

9. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

10. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2024-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PR)

Im another case of Mohela providing me with the wrong information When reaching out for help regarding my student loans. When starting XXXX XXXX It was recommended to me that I go into forbearance instead of the IDR plan. During the XXXX  years I was in school, my loan balance ballooned over XXXX XXXX dollars. Ive always made my payments on time and XXXX back in XXXX, yet I still owe XXXX XXXX  out of XXXX XXXX. This doesnt make any sense.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # 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 but written instructions
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Good afternoon. I want to keep this short & to the point. I have mailed in two debt validation letters ( A. ) Mailed on XXXX B. ) Mailed again on XX/XX/2021. I had never received a proper or any form of response to my debt validation letter. I received a letter dated XX/XX/2021 in reference to account # XXXX in mid XXXX. On XX/XX/XXXX I again mailed in a third debt validation letter. Not receiving any correspondence from PRA prior, I mailed another debt validation letter. Today, XX/XX/2021, my wife and I called PRA to inquire as to why we havent received any response to our debt validation letters. We first spoke to a XXXX XXXX who informed us she could not discuss this account with us and that we would have to talk to the attorney. We asked to talk to someone over Ms. XXXX and they transferred us to XXXX XXXX, who refused to talk to us either. I am alarmed & baffled that they have blatantly and disrespectfully refused to conform with Federal Laws. Upon receiving the first ( XX/XX/2021 mailed ) debt validation letter, we shouldve received a response including the original purchase agreement. Im assuming they can not provide the information requested & that may be why theyre refusing to me. The two debt validation letters mailed, were mailed prior to any contact from the attorneys office.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION (MD)

On XX/XX/2023 I had a ACH deposit come into my account in the amount of {$25000.00} I was able to withdraw {$300.00} by XXXX And {$3000.00} over the counter at my local branch from Bank Teller They put my account on freeze saying that the deposit was too big and they needed to reach out to the depositor for verification. The depositor contacted the bank and verified the full amount and the recipient which is me : XXXX XXXX XXXX