davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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. (MD)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have filed numerous complaints and until this is resolved I am going to continue before I engage an attorney. I need XXXX XXXX and an outside party to go over the conversations starting in XX/XX/2019 when I first asked them about doing a home assistance program. I need them to LISTEN to the conversation that stated that my options at the end of the Assistance program is 1. pay the shortages at the end of the loan, 2. with a surcharge with the normal mortgage payment, 3. or in a lump sum. At the end of the assistance program, they advised me that I didn't qualify for this and my only option was 40 years. I kept asking why and they told me that isn't what I qualified for. I would have never done the program if the options were changed. I then am told that my hours being cut from 40 to 8 a week wasn't covid related, which I wasn't asked and it was. I then was told after my 1st complaint that they put me on 2 different programs that I was never aware of nor consented to then sold my mortgage to another company and continued to mark me late via the credit report. The calls need to be listened to entirely and I will not talk to a XXXX XXXX in their executive office who wouldn't let me speak and cut me off and raised her voice advising me that I don't need to be calling since I know I was wrong. She doesn't need to be in that office and I need a complete investigation done correctly
Consumer complaint received 2020-07-24
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: BARCLAYS BANK DELAWARE (CA)

They refuse to honor fraud protection. There was an unauthorized charge on my credit card by a scam merchant. The merchant stole my email address, card number and billing address, yet Barclays still put the entire charges back on my account.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Collection Bureau, Inc. (FL)

This company is reporting a debt on my consumer reports that does not exist. After numerous disputes and a XXXX complaint, the company finally sent over what is has as validating documents and it is truly a joke. The documents show no proof that I owe the original creditor nor do they show exactly what this supposed debt is for. If this company had done a proper validation of this debt they would clearly see that the original creditor is overreaching and I owe them not one red cent and, if anything, they owe me money. I have attached what they have sent as validating documents and, as you will see, this company is in clear violation of several consumer protection statutes for the amount owed being reported. Business practices like this must be curtailed. It is truly disgraceful that this company calls themselves reporting a $ XXXX debt ( effectively ruining me and my family 's lives ) with the attached documents as their only validating documents. It's disgusting and shameful.
Consumer complaint received 2023-02-21
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. (TX)

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

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 : # 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, and 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 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 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MS)

Suntrust Froze my business checking account and this has caused catastrophic destruction within my business and my creditors. I have kept my nose clean and have done nothing wrong. I have been calling consistently to get a clear cut answer but I keep getting the run-around. 

Additionally Suntrust sold my saving account information to a company called XXXX XXXX who took money out of that account unauthorized. During the investigation, XXXX XXXX admitted they are affiliated with SunTrust.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (TX)

To CFPB I woke up to a surprise today from a company called Dynamic Recovery Solutions,  apparently this is a company hired by XXXX XXXX XXXX XXXX , XXXX to attempt to collect a fraudulent debt that I do not owe. It appears to be some one 's old XXXX account that they want to throw off on my. 
Just for the record, I have been an XXXX XXXX XXXX customer for the past 30 years when XXXX XXXX XXXX was just a long distance company, I have been with them ever since. 
I hereby request CFPB to look into this non since fraud and fine Dynamic with a fine totaling {$75000.00} XXXX dollars for their fraudulent activity.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$820.00} XXXX XXXX  XXXX Balance Owed : {$11000.00}
Consumer complaint received 2021-09-21
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. (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX XXXX XXXX are different, this means the account has not been properly verified. Please delete this account immediately
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MD)

I I have a checking account US Bank and my account was beached on XX/XX/18. I submitted all the required documentation to US Bank on XX/XX/18. On XX/XX/18 I was informed that I would not be reimbursed for my losses. When US Bank contacted me on XX/XX/18 I verified that I did not make the transactions and still my debit card was in my possession. 
This has created a hardship for me and my family, I have not be able to pay my electric bill and water which is due to be turned out. My landlord is working with for past due rent. Any assistant you can provide will be greatly appreciated. 
I spoke to the supervisor in the Fraud Department XXXX XXXX and was inform to complete another form to continue investigation after been told my case was close. No reason provide why I not being reimbursed form my losses.
Consumer complaint received 2024-03-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

Delete the late date of the disputed item from my credit report immediately as mandated by the FCRA, and cease the inaccurate reporting, or face legal consequences for non-compliance. The failure to respond appropriately within the specified time frame will result in further legal action for the violation of my rights under the FCRA. XXXX XXXX  XXXX Date Opened : XX/XX/2011 Balance : {$290000.00}. Please update the status of this account ASAP.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (GA)

I was denied credit but under 12 CFR 1002 regulation B of Equal Credit Opportunity Act.I thought I cant be discriminate against under the following reasons that are described in that act. But I feel as if I was discriminated against. Under this law Im not supposed to be denied credit if a credit transaction took place. So now I am discouraged about applying for anything else. So I dont feel like I was protected during this credit transaction that took place. Also they used Consumer Reporting Bureau I have no knowledge of this Bureau.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (DE)

TD bank has double posted hundreds of dollars on my account leaving me with a negative balance. They are saying it is due to a system glitch and there is nothing they can do until it is corrected during overnight processing. I have spoken to reps and supervisors. Supervisors didnt even know who they were regulated by- so sad! Completely unfair and deceptive practices and to think this is happening in 2020! So now I am at their mercy for when I will have access to my money.
Consumer complaint received 2019-11-12
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: Experian Information Solutions Inc. (IL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Blakely-Witt and Associates, Inc. (TX)

I had to leave my apartment 2 weeks before the lease expired. I spoke with the manager XXXX XXXX who asked to see the XXXX and the XXXX communication. When that was provided. I went to the office and she stated that long as I was out by XX/XX/2019 there would be no charges against me and that my daughter would need to drop off the keys and amenity band. We also did that. She even suggested how I should stage the apartment to get out. Now a year later the debt is in my credit and when you call the complex the management company is no longer and they send you on a wild goose chase. I dont owe any money to this apartment as they kept many items of mine including a brand new washer and dryer and queen size bed. My rent was only {$1000.00}. How they are trying to collect {$3600.00} I have no idea.
Consumer complaint received 2020-01-22
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. (CO)

Equifax XXXX XXXX XXXX XXXX are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I have contacted XXXX XXXX numerous times to explain this debt does not belong to me. Unfortunately, I do not have all the exact times and dates that I have contacted them. 

I have requested the original signing contract for this debt and all they send me is a bill with my name and account information. They have stated they are not obligated to prove anything to me. 

I have also spoken to several representatives that have stated unless I go get a police report they were going to report this debit to the credit bureaus as well sue me in court. 

I had to send a seize and desist letter to them to stop harassing me. They have also called on my work phone number at all times of the day and night. They have continually harassed me even though this debt does not belong to me. 

The original creditor XXXX XXXX XXXX states I have to communicate with this agency, because they have written the debt off and its no longer their problem. 

Please, assist me with proving this debt does not belong to me.
Consumer complaint received 2022-04-29
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)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I filed a claim with XXXX XXXX regarding fraudulent transactions. The original claim amount was between $ XXXX. XXXX XXXX  cancelled my debit card and XXXX XXXX digital card number. They reissued a debit card and two digital card numbers. One digital card number was attached to the debit card that was issued and a second digital card number was issues to the individual committing the fraud against my account. When I realized this, the individual had completed $ XXXX in transactions against my account. 

After going through the process of cancelling the debit card that was reissued and canceling the two digital card numbersXXXX XXXX XXXX  issued a credit to my account in the amount of {XXXX 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating they were going to debit my account for XXXX} on XX/XX/XXXX because they credited this amount back twice, in error. 

I immediately called XXXX XXXX to see if I could get on a payment plan and/or could they change the date they are scheduled to debit my account to a later date. XXXX XXXX said they could not do either option. I was told that I would incur overdraft fees and I would have to work with someone in the overdraft department and they could make a payment arrangement. A claims specialist-XXXX, a team lead - XXXX, and a XXXX XXXX, all said there was nothing they could do. XXXX, even told me, I should be monitoring my account daily because she does. I told XXXX, I didnt give a XXXX what she did and that it wasnt my business, and to not tell me what I should be doing. I asked to speak with a manager and she said no one could come to the phone, but shed put in the request and have someone follow-up with me. Then she hung-up the phone. 

I called XXXX XXXX  retail customer service center to explain that I would like to set-up a payment arrangement or figure out a date I could repay the money in a lump sum. I was told theres nothing that can be done on the retail side and claims would have to rectify the situation. I was advised to speak with an escalation specialist and they should be able to assist me. I was then transferred back to Claims where XXXX connected me to a supervisor, XXXX. She stated she couldnt do anything to help, and had no solutions for my situation.
Consumer complaint received 2020-01-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$72.00}, {$130.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$72.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.