davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-03
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. (VA)

On XX/XX/XXXX I checked my credit scores via XXXX XXXX. It showed a 52 point drop from XXXX to XXXX. The message on the site was that a note was reported by XXXX that I have an account in collections. I do not have any accounts in collections. This is the second credit reporting bureau I have had to dispute recently added derogatory notes to my report which are not accurate. These so called notes are causing my score to drop and at this time I will be closing on a house in XXXX and I need my score to reflect what if actually is .I called XXXX and I was on the phone for an hour for them to tell me that it seemed like identity fraud where it was false reporting on their part. Equifax needs to check facts before they put derogatory notes that are not valid on credit reports.
Consumer complaint received 2020-11-04
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: CITIBANK, N.A. (DC)

I sent letter to request investigation into account. It has been more that 60 days and I have not received any results back. I understand that the credit bureaus have been given an additional 15 days to reply which that time as exhausted as well.
Consumer complaint received 2019-03-03
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. (MO)

For the 2nd consecutive month, I'm disputing this account ( XXXX XXXX   {$9.00} ) inwhich I've also requested for the credit agency to either send me their detailed Method Of Investigation into this matter or remove / block this account from my credit report as my right as a consumer as stated in the FCRA laws. I'm looking for the name and title of the employee inwhom determined that the account was verified. What physical documentation support their findings. No one ever showed me any kind of physical documentation that makes me liable.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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
Consumer complaint received 2021-04-03
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: Bread Financial Holdings, Inc. (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear CFPB : I am desperately trying to get incorrect information off my credit reports with the three major credit reporting agencies. And while, I have made some gains, I have yet to get the information I requested from them to validate their claims. All I have requested from them are original documents with my signature and other proving information to validate these errors and NONE have complied with my request. 
Below, is a list of certified disputes requesting specific information to validate the information. What I received back was a boiler plate statement that reads ; this account has been certified as correct WITHOUT ANY supporting documentation which I am entitled to under the fair credit reporting act section 609. I am growing tired of submitting disputes only to be ignored with regards to my specific request. Attached are all the certified mail receipts to all of the credit bureaus. They have failed to respond to my request and in doing so, I am requesting now that every account be permanently deleted from my credit reports for XXXX, Transunion, and especially XXXX. 
I am in negotiations to finally purchase a home and this is DIRECTLY affecting my ability to provide for my family. Any help in this urgent matter is appreciated. 
Please see the account information and the certified letter dates of receipt of all request. These accounts have been addressed multiple times only for the bureaus to ignore my request for validation information. 
Attached documents : XXXX : 1. XXXX XXXX XXXX XXXX -No Information provided original letter attached and ignored response {$100.00} 2.  XXXX  XXXX XXXX XXXX No information provided {$390.00} 3. XXXX XXXX - Not a collection. no requested information provided 4. Bankruptcy - XXXX  claims to have verified this from XXXX XXXX but my XXXX XXXX account was Frozen and validation from the court claims they do not send request to bureaus so How can they validate. the account name was wrong and should be removed. 


Transunion 1. XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( this is on my report twice ) this is a duplicate but they are acting like I went twice. I have no way to prove what I did not do. 
2. XXXX XXXX XXXX {$600.00} 3. Dept of Ed was closed in XX/XX/XXXX and assumed by XXXX yet they started reporting non payments. I DONT HAVE PAYMENTS TO THEM. sorry, not yelling, just frustrated.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (NJ)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

At XXXX XXXX  on Monday, XX/XX/2021 I saw a amount of {$1.00} deducted from my checking account by a XXXX, XXXX, via a transaction. I called Bank of America customer service that evening and was told that the charge had been reversed because the bank recognized it as a FRAUDULENT transaction that should not occur again. 

THIS IS A FRAUDUDEULENT TRANSACTION I HAVE NOT GIVEN MY DEBIT CARD NUMBER TO THIS ENTITY. IT IS A FOREIGN ENTITY, AND WHEN I WAS ABLE TO OPEN THE TRANSACTION, THERE IS NO PHONE NUMBER. I CAN NOT CALL A FOREIGN COUNTRY EVEN IF A HAD A PHONE NUMBER. 

On Wednesday XX/XX/XXXX, I saw another transaction from XXXX, XXXX, for {$11.00}. I called Bank of America customer service and was told that the bank had neglected to place the entity XXXX, XXXX, on a fraud list to prevent additional transaction. The transaction was processing, so I could not dispute it myself, nor could I see any information about the source. 

I CAN NOT USE XXXX BECAUSE I HAVE AN ANLOG TV. I DO NO KNOW WHO THIS ENTITY IS. I HAVE NOT GIVEN NT DEBIT NUMBER TO THIS FOREIGN ENTITY. 

On Wednesday I requested my debit card be cancelled. It was supposed to arrive on Friday, XX/XX/XXXX. I still do not have a debit card on Saturday, XX/XX/XXXX. 

On Friday, XX/XX/XXXX, the {$11.00} transaction had posted and there was a second transaction for {$.00}. 

When I tried to call customer service on XX/XX/XXXX, they refused to take my calls because I did not have my new debit card. I did not have the new CVC, so they refused to validate me. They asked for my passport number, my 9 digit Federal ID, etc., treating me with disrespect and refusing to do anything to protect my account from unauthorized withdrawals. 

On Wednesday I requested my debit card be cancelled. It was supposed to arrive on Friday. As of Saturday am, I still have not received my new debit. When I try to call customer service the phone system demands the pin on the new card I have not received. Therefore any phone calls to customer service are treated as a fraud. 

THE BANK WILL CONTINUE TO ACCEPT FRAUDULENT WITHDRAWALS from my account because it has decided that I myself or a family member has given my debit card number to this entity. 

BANK OF AMERICA IS NOT PROTECTING ME FROM FRAUDULENT TRANSACTIONS. ITS CUSTOMER SERVICE REFUSE TO ACKNOLEDGE ME AS A CUTOMER, HANG UP ON ME, AND HARASS ME WITH ENDLESS QUESTIONS.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

On my XX/XX/XXXX credit card payment statement a total of {$320.00} was added to my account. When I called to inquire I was told the purchase of an XXXX XXXX XXXX XXXX that I purchased at XXXX  XXXX  XX/XX/XXXX and applied on the same day for Barclays Credit Card was suppose to be paid in full by XX/XX/XXXX without interest. What I was not told was that the interest was deferred. I was told by the sales person at the store that interest would be applied after 18 month on the balance. Since my daughter was getting ready for XXXX XXXX XXXX on XX/XX/XXXX I just made the minumum payment not realizing that Barclays was going the charge me {$320.00}. I tried calling them and asking for an extension I even offered to show proof that my daughter was hospilized in XX/XX/XXXX. They said that if I would have asked for the extension prior to XX/XX/XXXX it would have been granted. I even paid {$300.00} on XX/XX/XXXX hoping that they would remove this interest off my credit card. I went from owing {$740.00} to {$1000.00}. It's like I never made a payment to the phone. I even asked if they can reduce the amount by half and they have refused.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

I keep getting overdrafts with money in the acct, there online banking is not accurate, was treated like a criminal by the branch manager and never got my refund back, they charge fees when they are not supposed to been happening for 5plus years, misc charges at several occasions, always get treated poorly at the branch, they charge to see a teller and list goes on
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 — Account information incorrect
Company: Mr. Cooper Group Inc. (TX)

I suspect XXXX XXXX, Mr Cooper Consumer Relations Specialist, in retaliation to an angry email I sent her, has fraudulently reported to the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (NY)

Hi, OnXX/XX/XXXX at around XXXX EDT, I received a call from Citibank asking me to verify a recent debit card transaction. I denied the transaction, but moments later wire transfers were being sent from my account. I called the bank immediately to notify them that these were fraudulent activities and to stop whomever was draining my account. They were courteous, respectful and professional at all times and once they verified me they were helpful in trying to understand and deal with the problem. It has been nearly 24 hours and i have not received any notification from the bank as to the details as to what happened and whether or not I will regain my access to my account, disposition of funds, and details as to what happened. Thank you. 

regards, XXXX
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I've reached out to this collection agency on multiple occasions, regarding invalidated negative items that have been posted to my credit reports, with all 3 credit bureaus ( XXXX, XXXX, and XXXX ). One of the items have since been removed, however, this one remains and it seems that it's being reported without valid proof of the debt. This leads me to believe that this company is operating under the guise of a collection agency, but instead, are actual charlatans. 

My last written communication to them was forwarded on XX/XX/XXXX, and it was received by their agency on XX/XX/XXXX. I sent a letter requesting validation of the debt they're pursuing me for, in the amount of {$3300.00}. 

This agency has responded to me in writing, without verifying the majority of the information I requested, which includes why their agency is pursing me for a debt, in which they can't produce any documentation substantiating their claim, or the fact that I owe them {$3300.00}. 

Included with this complaint, is the following : a. My letter ( dated : XX/XX/XXXX ) sent to ProCollect, requesting validation of the questionable debt bXXXX USPS return receipt, confirming delivery of my letter c. 7 pgs sent to me by ProCollect, which include : 5 pg lease agreement ; 1 pg bill summary ( move out statement ), with a XXXX ( {$0.00} ) balance ; and a ProCollect bill, with an amount due of {$3300.00}, without supporting documentation.
Consumer complaint received 2019-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

Navient continues to send me emails about the payment they expect from me in XXXX. They claim that my school didn't report to the XXXX XXXX XXXX XXXX. I logged into the database and it says that I am a full-time student. Therefore, there is no reason they should be sending me emails expecting payment. Their website gives you the run around when it comes to filing forms online and contacting them by email. They say if you log in you can email them. It becomes one giant circle of going around from page to page without finding the information you are entitled to. 

They keep everything under wraps and do not inform their customers of anything. This is predatory student lending or debt collection at this point. My student status was updated on XX/XX/2019. There is NO REASON they should be asking me for payment now. But they are and I'm sick to death of their terrible customer service and harassment. If they aren't doing their job and checking the database, then that's not my issue. Something needs to be done about this. They have helped my old school to rip people off, they took my money and I got nothing in return but they still have these loans. It's bad enough I have to go back to college to try and get where I should have been in the first place.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

The vanilla gift card I bought for my XXXX year olds birthday on the XXXX of XXXX at the XXXX. We put XXXX $ on it We opened it and went to activate it and use it and it said it was already used for XXXX $ but we paid for it at XXXX and it said it was used at XXXX that day online which it was only XXXX when it was paid for then the lady il me sorry man I can't help you and hung up on me. I called back and sat on the phone for 3 hours for her to tell me I'm sorry I can't help you call back another time. I was balling my eyes out by the end of the conversation I spent literally my last dollar on that card..they stole my XXXX year olds b day money. Unbelievable seconds after i bought it on the XXXX
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (AZ)

Started getting phone calls and caller would not identify them self unless i would give them my personal information so they would hang up, finally got them too tell me the company name ( Convergent Outsourcing Inc ) and who they where and also got too tell them it was regarding a XXXX XXXX account that was discharged in a Bankruptcy back in 2015. The calls have become a daily call and very aggressive and they just hang up because i refuse too provide them with my personal information.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is a horrible bank they mailed paperwork that was compromised via the USPS machine reader so when I got the somewhat requested documents which did not cover all accounts to include closed and linked accounts to the closed accounts. The requested paperwork was accessible to all. The envelope was torn wide open and USPS had to place the papers in a bag and put it into my PO BOX . That was ridiculous, unprofessional and made my private business available for all to see. I am not even sure that what was requested is all there. I have uploaded a picture to how I received my supposed to be private banking information and request that all years for XXXX and XXXX be sent to me and in respect to my privacy and sent to USPS properly which would not allow this to thick of a package to be sent through the USPS reader machine ripping the envelope wide open for all to see. The requested documentation should be sorted out organized by year XXXX and XXXX and envelopes should be sealed displaying not broken closings. I can not ensure that all pages are here and hope my proprietary information was not enclosed such as Social Security Number, Date of Birth, etc.
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Received a letter staing i owed monies to the XXXX XXXX XXXX. Contacted the company sent over affidavit and explained this was part of identity theft. No one at National Credit could assist me once they knew i was calling in with information to dispute said errors. I have mailed the police report and affidavit. the representatives are always rude and I am always being told that I have to speak with Mr. XXXX at XXXX XXXX. I never get a call back and after my 18th call and he was unavailable. I do not want his on my credit. This is inaccurate information