davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I tried to make a purchase online with my XXXX card but the purchase was declined and a preauthorization was take out for XXXX XX/XX/2020 so that I thought and the app declined my card. So I called XXXX XXXX XXXX and tried to explain what I thought my email stated and the person told me that he seen the the preauthorization for the XXXX and would refund that amount. I was fine with that but I still had the problem of my order getting declined so I asked to speak to a supervisor and got transferred to one. I start telling the supervisor that I was fine with the preauthorization but I had a concern with them not seeing any kind of transactions or any trace of anything on my account but they are taking money from my account without a reason. My second issue is the fact that every where I use my card the put a preauthorization hold on the account. My money is direct deposited every pay day without any type of problem. After I give up on explaining my problem to two different people and either one of them not even attempting to do anything past refunding the the XXXX. Just a little bit later the same day not even a hour later a XXXX preauthorization is emailed to me after I told them that amount and that it was declined. I went and with draw money to to pay for my dinner order. I have a receipt to prove that I paid cash for it and I have both emails with the times, dates, and everything on them. Now I dont know if it will get refunded to my card are if I will even see it again.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (CA)

opened the account XX/XX/XXXX and setup direct deposit from work, Sofi frozen my account after first direct deposit sent to my account on XXXX, tried to contact them on both regular support and Security Team and it all goes to voice mail, they froze my account and never contact me and I have no way to talk to a real person, and I can't transfer the fund out
Consumer complaint received 2019-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (TX)

Was contacted by Credit Control debt collectors about XXXX XXXX fees. Called my doctor who said that the lab didn't have my insurance, so they reprocessed the labs ordered with my insurance. I have the EOB and that it had done through. Other labs were covered through school insurance under the visit. Regardless of this, collections went through to be on my credit report
Consumer complaint received 2019-08-22
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: EQUIFAX, INC. (CA)

I contacted the company twice to solve the issue without any look. They are the one responsible my credit exposure to outside hackers. First I called the companies who went into my credit without my authorizations and wrote several letters to remove the unauthorized credit checks. Months of hard work, hung off and long wait frustration and no result. 

Equifax not only gave all my information away but not helped to solve the issue at all. Is a nightmare to work with this company trying several months and excessive hours calling here and writing with no result. 

Note I spent about at least 30 hours try to resolve this situation.
Consumer complaint received 2019-08-22
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)

XXXX ; Experian and XXXX are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (UT)

I realized this year that I had a lot of fraudulent information on my credit report when I signed up for an XXXX account. These included fraudulent loans, credit cards, and bankruptcy's. I informed myself on my rights and what I had to do to inform credit reporting agencies that I was a victim of identity theft. I have been combating the fraudulent information for months now, and most of it has been proven to be from identity theft, and has just-fully been removed. However, there is still a  bankruptcy that has not been removed from my Equifax report even though it has been proven that it does not belong to me. I am very frustrated that my identity was stolen, and more frustrated that I have done everything in my power to fix this, and Equifax has refused to remove this derogatory from my file.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

On XX/XX/XXXX, I found a home online through XXXX posted for rent. I submitted a request for more info and was contacted by the alleged owner on XX/XX/XXXX with information about who they are and why they are renting their home as a first time landlord. I filled out an application and was told they had approved me, and they sent even more information about them including family photos and IDs. I thoroughly researched everything they sent me and matched it to property records, reverse image searched the photos, and more. I felt comfortable enough to proceed with leasing the home based on what I found and what I was given. 

After signing an agreement I was asked to send the money for the security deposit through Zelle which is connected to my XXXX bank account. I sent XXXX separate payments totaling {$1600.00} between XX/XX/XXXX - XX/XX/XXXX to this person using Zelle  through XXXX. XXXX weeks later on XX/XX/XXXX, I discovered the person was a scammer who had done this to other people across the U.S., and was impersonating the owner by name. I contacted Zelle immediately after speaking to XXXX and spoke to several reps regarding my situation. All in the same day, twice they referred me back to XXXX, and during the third conversation they finally stated despite any proof, police reports or claims, they are unable to reverse the transactions and would not be able to help recover my funds. They said it's because the transaction is " like cash '' even though it was initiated directly through my bank. This is a regular scammer who has already been known to do this, and will continue to commit these crimes as Zelle has made it clear at this point they will do nothing to prevent it, will continue to allow it to happen and will not help their direct consumers in recovering their lost funds in these unfortunate situations. This has also prevented me from being able to move as planned as the funds I lost were specifically for moving, which is all the more important to do now as I am unsafe with this scammer knowing where I currently live.
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I desperately need some help with resolving the situation st hand. I disputed these unknown accounts to the collection 's agency also the credit bureaus both are willfully of disobeying the law by currently reporting incorrect, and misleading information after several attempts, i received only verification of balances nothing was 100 % validate therefore im requesting that the CFPB enforces my rights by law.
Consumer complaint received 2018-10-31
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: Experian Information Solutions Inc. (FL)

I recently pulled my credit report and it is a COMPLETE mess, now I know that you have MILLIONS and MILLIONS of files to deal with and that is a lot to handle, and mistakes will happen. But C'mon people there are some pretty egregious errors on this thing. Now I am sure you have heard of the FCRA, you are bound by it, so here goes. I am demanding you VERIFY everything that I am disputing on this credit report that is inaccurate. 

Please verify the following information on each of the accounts that I am stating here. 

1. Balance : 2. Credit Limit 3. Payment Status 4. Last Reported 5. Past Due TRADELINE :, 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8.  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11.  XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14.  XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17.  XXXX XXXX 18. XXXX XXXX As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (NY)

XXXX XXXX is reporting as 2 accounts once as XXXX XXXX XXXX on XXXX and again on all three bureaus as XXXX XXXX XXXX  there should be one account name only. i have included the credit report and highlighted all inaccuracies. 
I have disputed many times and they still report incorrectly. 

XXXX XXXX  account is inaccurate across three reporting agencies
Consumer complaint received 2022-05-02
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 am writing to delete the following information off my credit report. I ask that these fraudulent charges be removed from my credit file as soon as possible. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit so that these charges can be removed from my file because it is hindering me.
Consumer complaint received 2022-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (MN)

Hunter Warfield is attempting to collect XXXX for unpaid rent for the XXXX XXXX XXXX. They were paid by XXXX XXXX of Minnesota. they sent them the payment in XXXX. Also I went by the apartments in XXXX and could see patio furniture on the balcony, and people in the apartment. I could als0 see the TX from the XXXX XXXX parking lot. The trios are trying to double and even triple dip for the rent which is illegible in Minnesota.
Consumer complaint received 2018-10-31
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: Experian Information Solutions Inc. (IL)

Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Mr. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX Hence, Experian again went silent.
Consumer complaint received 2022-05-02
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. (PA)

I am writing to delete the following information off my credit report. I ask that these fraudulent charges be removed from my credit file as soon as possible. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit so that these charges can be removed from my file because it is hindering me.
Consumer complaint received 2022-11-20
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consuming 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 furnished 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 2021-06-25
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: CITIBANK, N.A. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-05-02
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. (LA)

I

've been getting denied for mortgages, new credit cards and loans for over 2years now due to inaccurate information being reported on my credit profile. Equifax stated that my accounts were properly investigated and then updated. How is this true when all the information that is being reported is still inaccurate. So no updates were made because the payment terms are still wrong along with charge-off amount and date of first delinquency. I've circled all the violations made by Equifax in my attachments. These accounts needs to be removed because they're violating my rights 15 U.S.C. 1681 section 602 A : States I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also they took more than 30 days to complete my investigation
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (NJ)

I noticed on my credit report a collection from H & R accounts for a hospital bill I contacted hospital since I had not gotten any treatment. They stated that I had nothing outstanding with them. 
I contacted H & R and turned out the hospital visit was not mine but i was the guarantor i requested copies of service ect as I had not received anything this was XX/XX/2022 Contacted them again on XX/XX/2022 and they stated they still don't have details to send me my credit dropped XXXX points due to this and I don't have any info to review
Consumer complaint received 2023-01-11
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. (NV)

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction 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 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (FL)

Received a credit of XXXX dollars from a cancellation. I am trying to get this credit transferred from my credit card to my linked checking account at the same bank. Seem to be getting a run around. Told will have to send a form then after getting the form back will have to wait 30 days. The credit is not pending but already cleared. Just want it transferred over. When I pay them I transfer from the linked account. I think Wells Fargo just wants to hold the money interest free.
Consumer complaint received 2018-03-08
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. (CA)

XXXX XXXX Account XXXX is wrongfully appearing on my credit file on XXXX, XXXX & EQUIFAX.They are the second collector to wrongfully pursue collection for the original collector XXXX who violated the California law regarding the IMPLIED WARRANTY statutes.XXXX also committed fraud, knowingly selling cellular service for which they had insufficient cell towers to provide adequate service. 
All three bureaus have verified through dispute this account in support of the collector trying to collect a fraudulent debt.When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars.The replaced phone had a problem with the charging port.I struggled for about a month until the phone was dead and wouldn't take a charge.I didn't want to pay another XXXX dollars to risk getting another defective phone.The service itself dropped calls and my phone was on roaming at my own home on XXXX.XXXX phone service can lose a call if the wind blows.I was being billed heavily as I had added my girlfriend on to the service.The carrier XXXX could not provide adequate service from many locations and I had two defective phones in a row.I abandoned the service and moved to another carrier.The charges to me are wrongful and unfair and illegal in my state.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

We, XXXX XXXX and XXXX XXXX saw a scheme on the XXXX XXXX website. If we get the AA Citibank Credit Card we would get {$250.00} off the first purchase of air tickets. So we both went ahead and individually applied for the cards. I, XXXX XXXX booked tickets from XXXX to XXXX on XX/XX/XXXX for {$330.00} with my card ( ending XXXX ) and XXXX XXXX booked return tickets from XXXX to XXXX with her card ( ending XXXX ) for {$330.00}. Citibank charged us the whole amount of {$330.00}. We both filed disputes. I, XXXX XXXX, had taken a screenshot of the XXXX XXXX offer. I was refunded the {$250.00} and had to pay only {$85.00}. XXXX XXXX had taken a screenshot also, on a different computer that saved the screenshot in a .png format. Citibank said that the image was not clear and that we should mail a print out to the XXXX XXXX, XXXX XXXX XXXX She sent it via tracked certified mail, tracking number XXXX and it reached the post office pertaining to their XXXX XXXX XXXX XX/XX/2021. XXXX never received an acknowledgement of her letter from Citibank. Moreover, while the transaction was still in dispute, they added on penalties and interest. They also sent her to collections and started harassing her with calls. Whenever she tried to call disputes, her call was always redirected to the collection agency. After this, just to not have to deal with the harassment, XXXX XXXX paid up the complete bill. However, on XX/XX/2021, Citibank had severely damaged her credit score. This is having a major financial impact in relation to an impending house purchase.