davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

XX/XX/2021 I made a claim to BB & T Enterprise Fraud Management department with my local XXXX, MD BB & T Branch. Bank employee, XXXX XXXX, of the XXXX branch helped me to fill out my ATM/Check Card/Electronic Check/Error Resolution form. The dispute that is of my concern is a case of fraud. On XX/XX/2021 I received an email from a person by the name of XXXX XXXX that appeared to be a faculty member from my university, XXXX  XXXX XXXX  XXXX County  concerning a job offer for students to assist the Superintendent of the school. I was convinced that I was given the position and I was sent a check addressed to myself, XXXX XXXX in the amount of {$1800.00} from XXXX XXXX XXXX XXXX County. This was in the format of an e-check and the email came from a person impersonating another XXXX employee by the name of XXXX XXXX. I was told that this check amount included my first week paycheck as well as money to put towards the materials for working at home such as ; a laptop, printer, and rubber stamp. On XX/XX/2021 I was instructed by " XXXX XXXX '' that I needed to send via XXXX {$1000.00} to pay for the printer and laptop. I thought this was strange so I wanted to verify XXXX XXXX identity on my University 's website. I saw that she is an actual employee of XXXX ( XXXX XXXX XXXX ) therefore I was under the impression that I knew and trusted this person. XX/XX/2021 I sent a XXXX  payment to an account under the name of XXXX XXXX ( I was told this was the company selling the materials ). I also contacted my University to learn that this indeed was a phishing scam and the emails did not come from the REAL XXXX XXXX. I later learned that the check was not actually from XXXX XXXX, as I later got in contact with the real XXXX XXXX through the email address of ; XXXX ( XXXX XXXX XXXX ) I reported this to my bank and had the fraudulent check disputed immediately, however the XXXX payment was already accepted by the recipient therefore I could not cancel the payment. I would like it to be noted that the XXXX payment was made after bank hours, therefore I had no way of contacting my bank to put a hold of the payment. I then made my dispute with BB & T to try to get my money back. On XX/XX/XXXX I also filed a police report with Officer XXXX XXXX of the XXXX Police Department under the Case # XXXX. On XX/XX/2021 I received a letter from BB & T Enterprise Fraud Managment that stated after an investigation they have denied my dispute and no funds will be deposited to my account as a result of the claim. XX/XX/2021 I called their department ( XXXX ) to learn the evidence that was used to resolve my claim. I was told that my claim was denied because the money was sent through a third party ( XXXX ) and therefore they do not offer any protection for consumers under these services and I will not be receiving a credit of {$1000.00} on my account.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The original creditor reported this account late 30 days In XX/XX/XXXX this account should be removed from my credit file per the debt collection act seven year rule on XX/XX/XXXX. XXXX has different dates for all 3 credit agencies for when this account to be removed. They do not have a complete file of my credit file. They made up the first date of this account being late. 
Secondly I requested a statement on my behalf was to be added to my credit file and every company that received my credit file should receive an updated version. I called several companies that inquired about my credit previously and I asked if their company received an updated version. Each company I contacted adamantly responded no. Either remove these inquiries for the pasr two years or send them updated versions of my credit file per the Fair debt collections act. These companies should be allowed to hear my version of this debt to make a fair decision on my behalf.
Consumer complaint received 2016-09-30
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

i am closing on a house in 2 days and capital one 360 has {$100000.00} of my money and refuses to wire transfer the money to the title company or the account where funds originated. i have been trying to get this money wired out of this account for 2 day. i have spent over 10 hours on the phone, mostly on hold, with the only result being " we can not guarantee that the funds will be transferred because your account has not been open for 60 days. '' they will not even wire the money back to my personal checking account because it has not been open for 60 days. this is not in their disclosures available online. in my calculation it has been 59 days that the account has been open and they still refuse to make a work around. the only answer that i get is " those are our rules '' when pressed as to the severity of the situation and asked for a supervisor the response was send XXXX. they are the only way to escalate the problem. well i sent that address an email and it was refused. 
basically i may have lost not only {$25000.00} in earnest money but the hose that has been being built since XXXX.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2019, I gave a check of {$1800.00} for a contractor and stopped the payment for the check later. 

On XX/XX/2019, no money was deducted from my account for the check excluding the stop payment fee of {$30.00}. I then called up Bank of America customer service and inquired them about the stop payment of the check, they confirmed that stop payment was on the account and the check was not cleared. I then asked them what happens if the contractor tries to cash the check again, they said it is going to be declined. 

On XX/XX/2019, I noticed that {$1800.00} was deducted from my account with the transaction description of " DEBT FOR UNPAID ITEM, FDES NMO '', I called up the customer service as soon as I saw that and asked them to dispute the transaction, they said the transaction is in " Processing '' status and can not be disputed. One customer service representative was saying, it may be an electronic check or may be from the bank for any credit that was already given. 

On XX/XX/2019, the transaction description of " DEBT FOR UNPAID ITEM, FDES NMO '' was completed and the money was deducted from my account. So, I called the bank again and requested them to dispute the transaction, then they told they can not dispute the transaction because the check was cashed before the stop payment was requested. They asked details on what happened and how the check was given to the contractor, and they told they can not do anything other than refunding the stop payment fee of {$30.00}. If they knew that the check was cashed before the stop payment was requested, the system shouldn't have removed the cashed check transaction from my account. I would have reacted fast to recover the money. Its unfair to make customers responsible for glitches in their system or any wrong information given by customer service representatives, especially the system involves money. I have been a customer for Bank of America for more than 7 years and they were talking as if there was no mistake from their end. 

I also received a mail from Bank of America stating that " We've completed your stop payment request ''.
Consumer complaint received 2018-06-11
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: Continental Finance Company, LLC (CT)

My account ending in XXXX with Continental Finance was closed, supposedly brought to a XXXX   balance. I received a statement today showing I owe XXXX XXXX, there is a finance or maintenance fee in this amount. This does not make sense as account is closed, there should be no fees or charges added to it.
Consumer complaint received 2017-12-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

Received a letter from IC Systems stating that they have sent my information to the credit bureaus in regards to the debt with XXXX XXXX XXXX XXXX. Whereas I was making payments on my account and was in constant contact with the XXXX office on charges and was told by personnel that they were still claims on my account with the insurance company and they will contact me when claims have been resolved and I will receive new payment information.
Consumer complaint received 2017-12-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Services, Inc. (NE)

I received notice in the mail that I had a judgment filed against me for XXXX. I paid this online through the Nebraska XXXX system on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX XXXX XXXX XXXX filed a garnishment with my company XXXX XXXX.
Consumer complaint received 2021-02-09
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. (CA)

I have sent 2 letters within a span of 30 days in regards to incorrect information on my credit report and still have not received any update on the investigation.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (TX)

I recently purchased a new vehicle ( XX/XX/2020 ). My credit was run for financing as well as my husbands credit as he is the co-applicant. We both received a letter from XXXX XXXX   stating that they could not finance the loan because of credit scores. My XXXX score is accurate ( XXXX ) but Sage Stream LLC listed my score as XXXX. My husbands score with Sage Stream LLC was XXXX. " Limited history for consumer address and phone '', " length of time since most recent delinquency too short ( I am disputing a medical bill ) '', among others. Over 100 point difference in credit scores! I've never heard of this credit reporting agency and it is shocking that a major company like XXXX would depend on bogus credit scores to determine financial eligibility. This also makes me question if I would have gotten better financing on my vehicle if Sage Stream LLC was not involved.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Notwithstanding your instruction above, in the interest of brevity and efficiency, the attention of CFPB is invited and directed to CFPB Complaint # XXXX dated XX/XX/XXXX versus " XXXX XXXX XXXX , XXXX '' of XXXX, OR. ( " XXXX '' ; " the Complaint '' ). 

The underlying referenced matter was a disputed claim for services by " XXXX ( OR ) XXXX XXXX XXXX ( XXXX ' ) - Claim for Services Acct. # XXXX - XXXX XXXX '' XXXX 's claim was denied by XXXX XXXX to XXXX by Certified Letter dated XX/XX/XXXX. 

Consequent to the Complaint and the actions taken on my behalf by CFPB, the wrongful debt collection reporting was immediately and satisfactorily removed from my XXXX  and XXXX   credit bureau reports in XX/XX/XXXX. No additional credit collection activity or reporting has been engaged by either XXXX or XXXX  in this matter. However ~ and only now in XX/XX/XXXX ~ has it come to my attention that the collection reporting was never removed from the TransUnion credit bureau report and wrongfully remains there today with consequent prejudice to me.
Consumer complaint received 2020-07-13
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: Experian Information Solutions Inc. (WA)

XXXX is the former mortgage servicing company that has reorted a number of monthly payments as 30 days late. XXXX is now bankrupt & closed, has refused to supply any information to CFPB, rather defers to XXXX  XXXX who then refers back to XXXX so I have serious doubts that Experian has made any attempt to update old information. I have supplied bank information showing payments cleared my account on a timely basis ; they have even reported a late payment AFTER XXXX accepted payments on the account. This alone is grounds to have the XXXX account completely removed from my report as has XXXX.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

In XX/XX/XXXX, Santander Consumer USA, whom I have my XX/XX/XXXX XXXX XXXX financed with, reported my account delinquent. Despite ensuring that I have made every payment on time each month with the company, Santander flagged my account as delinquent! When reaching out to them to rectify the issue, I struggled to successfully contact a human being and when I finally was able to talk to a person they told me that they would reverse the delinquency flag and it wouldnt affect my credit. Then a few months later while checking my FICO credit score, I noticed that it was showing I had one missed payment in the last year. The same mistake that Santander promised to fix!
Consumer complaint received 2015-07-02
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (AZ)

I received a letter at my residence in XXXX, XXXX via my employer ( XXXX XXXX ) that I would have my wages garnished for a debt. I reached out to my employer for more information however they were short with me. I made several attempts to the court however they were no help. I would have physically went to the courthouse however I live in XXXX and the court house was in XXXX XXXX, XXXX. I was never notified by the debt collector ( Asset Acceptance ) or court formally at my residence in XXXX. To make matters worse they took me to court in a state that I do not reside. The debt was paid in full however they refuse to remove it off my credit reports. I still to this day do not know what the debt was for. The case number at the court house is XXXX and the XXXX XXXX XXXX XXXX XXXX. The county is XXXX County, XXXX XXXX, XXXX. I have also included my XXXX XXXX license to prove I got it issued on XXXX/XXXX/2008 once year prior to the Judgement issued to me.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

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 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2017-12-09
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. (NJ)

on XXXX/XXXX/XXXX i submitted my dispute with the CFPB XXXX stating that the credit bureau Equifax is not following proper investigation procedure under the FCRA XXXX XXXX a ). This CFPB dispute is still pending Equifax resolution which I hope to make more clear with this new dispute showing how they are in violation. I have asked them more then one time to remove the inaccurate false public record ( Case or ID # XXXX ) on my credit report and they have failed to do so and failed to comply with FCRA rules and regulations. 

under FCRA 611 ( a ) Equifax is suppose to send the dispute to the data furnisher regarding this public record to be validated, NOT to a 3rd party vendor in which case they sent it to XXXX to verify if the public record is accurate. In my letter to them i asked for the method of verification under the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because i had a strong feeling that were not up to the task to do a proper investigation on this public record which has appeared on my credit report. My lexis nexis report has been frozen for over a year due to a past identity theft and yet somehow they go to them to verify??? this is clearly negligence on their part for me or anyone to think they even truly verified this public record. 

attached in this dispute is the letter sent to me from equifax showing this clear violation. Equifax confirmation # XXXX
Consumer complaint received 2021-07-13
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: Bread Financial Holdings, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (FL)

On two previous dates I have disputed the verbiage of a checking account closing at XXXX XXXX XXXX XXXX. My account was closed in the Summer of 2017 and stated as fraudulent transactions, yet I have maintained that I am the true victim twice over with lost of product/service and lost of funds/fees. Despite explaining this to banking and consumer reporting officials the statementof fraud remains. I have since reported in full and began a formal criminal investigation into the individual who defrauded me and caused a personal financial stalemate in my life. With the new official information I am hoping that the parties involve will lift the current restrictions and verbiage as I am not indebted to the aforementioned or any institution.
Consumer complaint received 2022-12-14
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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Consumer complaint received 2022-12-14
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. (GA)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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