davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (OH)

I am attaching additional information/documentation that highlight that XXXX XXXXXXXX made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account.

Attached is correspondence from XXXX XXXX on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, XXXX XXXX indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

XXXX XXXX stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single one of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my 3 accounts with them opened in XXXX, which is around 3 years prior to me having an auto loan with XXXX XXXX. In this verification letter, there is not XXXX account that I own that ends in XXXX. 

This connects to XXXX XXXX having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the XXXX payments made to the account from the checking account ending in XXXX. 

This bank error caused my XXXX XXXX to drop by more than XXXX points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (PA)

I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to Truist Bank in reference of a billing error. Truist Bank failed to clarify the billing error, but instead used XXXX identity theft with extortionate means for the collection of an extension of credit. Please see attachment
Consumer complaint received 2018-09-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX I established wire transfer for the amount of {$5000.00} to be sent to XXXX for the purpose of making a down payment for apartment. The party in XXXX did not receive the transfer yet. TD bank is not able to give an update of what is going on. It is frustrating since I can not find any one to help. I am not able to find anyone in TD bank to solve my issue. Please help urgently. 
Thank you Regards XXXX XXXX
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I opened a XX/XX/XXXX XXXX XXXX credit card over 10 years ago and it is still on my credit report as debt owed. I am being harassed by XX/XX/XXXXXXXX XXXX via email and by Portfolio Recovery for another account that should not be on my credit report any longer. I have disputed at least 10 different errors on my report more than 10 separate times and the issues will never get resolved. Non stop phone calls, emails, closed accounts, over aged credit cards reported, already disputed a credit card with Portfolio Recovery that someone opened with their name but my SSN. I told them it wasnt me that I have never lived at the address the card was associated with. They said they resolved it, but I just noticed the address on one of my reports this month. I get notices daily that my report has info breaches, hard inquiries when I did not try to open an account, I can keep up. I disputed so much so many times and it never ends.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BC SERVICES, INC. (UT)

BC Services Inc is reporting a debt on my credit file that I do not owe. I noticed this collection reporting on my credit file and this is not mine. I am a trucker and my truck got totaled from an accident, I had to go to the hospital and get looked at. Insurance should have covered the total amount and I was told I had to pay nothing out of pocket. When I received a statement saying I owed {$1400.00} I called them and told them this was being covered by insurance. They said they would be looking into it and getting back to me. To this day, I have not heard back but nice enough I was sent to collections. BC Services also did not give me a 30 day right to dispute. That is a violation. This needs to be removed immediately from my credit file.
Consumer complaint received 2021-11-18
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: GOLDMAN SACHS BANK USA (CO)

A couple months ago, I got a notification from XXXX XXXX  that I had a new inquiry on my credit file. 

I didn't recognize it, and later learned that it had to do with the " Apple Card '' in which I was positive I never inquired about as I do not and have never owned XXXX devices which I. Also learned is a " prerequisite '' to obtain and use the apple card. 

So I called GS Bank/Apple Card directly, and they were very helpful. 

As a result my " account '' with this company was infact deleted. However the inquiry is still showing.
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: EQUIFAX, INC. (TN)

I recently had to pull my credit report because I was going to apply for new car and found violations on my account which will hinder me from getting new car. I understand pursuant to 15 US Code 1681a2B any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card. I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new car.
Consumer complaint received 2019-03-07
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: Midwest Recovery Systems (TX)

I have taken a major drop in my credit score because od this fraudulent account. I have never had an account with this company or agreed to any contractual agreement to repay A debt. On my credit report it says the original creditor was A place called XXXX  XXXX XXXX. When I contact XXXX  XXXX XXXX they inform me this was an online loan taken out back in XXXX and the debt has been sold to this company. This is A FDCPA violation! This company is reporting inaccurate FRAUD information on me report with A open date XX/XX/XXXX! I have informed the original creditor this is A fraudulent account as I have never had a loan taken out with anyone.
Consumer complaint received 2021-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (GA)

On XX/XX/2021 I applied for a personal loan in the amount of {$4000.00} through an application they can be found on the XXXX XXXX made by a lender called Upgrade I entered all my personal information and banking information. I was approved officially for the loan after verification of bank account and identity being identical occurring on XX/XX/XXXX Saturday XXXX on XX/XX/2021 was the approval date. When I called in today XX/XX/2021 they didnt have the same bank account on file and when I called the bank they said nothing was pending deposit from the verifying creditor ( upgrade. ) So when I called them back they refused to remedy the issue and deposit the funds in the proper bank account that shows as the automatically paying bank account and the bank account on file. I never received the loan.
Consumer complaint received 2021-11-18
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. (CA)

SEVERAL ERRORS ARE APPEARING ON MY CREDIT REPORT AND I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY. THESE ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Experian has refused to freeze my or my husband 's credit report because we can not answer ridiculous security questions - for example, with what bank did we take out ( for two months ) a car loan 12 years ago. Another - who held a mortgage on our house, also for 2 months, over nine years ago. Another - to whom did we sell our last house, over nine years ago. 
I am XXXX, my husband XXXX. Experian has compromised our accounts, according to them. We can not possibly answer such, or other similar, questions. 
All transactions were by phone, so I have no written record.
Consumer complaint received 2015-03-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX. I bank with Wells Fargo. The branch in XXXX XXXX, Pa. 
I have had a mortgage with them for 7 years and never was late. I went into the bank on XX/XX/2015. I spoke with a banker about waiving ( deferring ) a payment. The banker told me it would not be a problem. Come to find out, they wanted me to pay 2 mortgage payments in XX/XX/XXXX. I went back into the bank and spoke to the manager. She told me to contact Home Preservation Team at Wells Fargo. The only thing that happened there was, just getting someone 's answere machine for a week. I go back into the bank and spoke with the manager again and told her what happened. She contacted the resolution team. She told me someone would contact me. NOTHING. Needless to say, I am very angry. They are making me a month behind in my mortgage and going to destroy my credit when they are at fault. I was totally mislead. They need to train their bankers how to give the right information to there customers. Because of the lack training, I got XXXX and I am a month behind on my mortgage and bad credit. The reason I asked for a payment to get deferred was because I had XXXX XXXX. I could n't collect unemployment. I asked for help one time in 7 years having a perfect payment history. Thank You Wells Fargo FOR DESTROYING MY CREDIT. 
Thank You, Stay clear from Wells Fargo
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2018-09-29
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: Experian Information Solutions Inc. (IN)

I requested the student loan be removed and old addresses be removed from my report that is missing information and is reporting inaccurate information on XX/XX/2018. They didn't remove them even when 30 days passed.
Consumer complaint received 2018-09-29
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. (IN)

I requested the student loan be removed and old addresses be removed from my report that is missing information and is reporting inaccurate information on XX/XX/2018. They didn't remove them even when 30 days passed.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 bankruptcy : XXXX, XXXX  XXXX bankruptcy : 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 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Millennial Home Lending, Inc (CA)

I contacted XXXX XXXX ( XXXX  " XXXX '' XXXX - XXXX ) regarding a cash out refinance in XXXX of this year. I locked in my rate and was given the loan estimate disclosure. In it, there was no mention of points nor was any discussed over the phone or email. After 5 or 6 weeks I received the closing disclosure and found points totaling {$1700.00}. I immediately contacted them and asked what that was about. They said they had to pay a fee to maintain the rate that I was locked into because the term was going to expire. The reason the loan process went past the expiration date had nothing to to with me. I provided everything they requested either the same day or within a day or two. At this point, considering where interest were going, I was stuck. If I said canceled I would have ended up paying a higher interest rate someplace else. 

They sent a notary to my house to sign documents. The cash I was to receive based on the closing loan disclosures was {$43000.00}. This is what I signed for. After more than a week after signing I was contacted by an escrow officer ( XXXX XXXX with XXXX XXXX - XXXX ) telling me there was a {$100.00} endorsement fee charged by title and recording fees went up by {$16.00} so I would receive {$110.00} less. I sent an email to XXXX  and the escrow officer telling them I was not ok with this as this is not what I had agreed to in writing. I have called and emailed numerous times. Each time they tell me they are working it out to get a refund to me but nothing has happened and I have not received the money. This has been going on for more than XXXX weeks.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Chexsystems has failed to notify me of the reinvestigation of my dispute of an account by the name of XXXX. I never received any written notice of reinvestigation. That is another violation as stated in 15 u.s code 1681i ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency
Consumer complaint received 2023-01-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Involves my client, XXXX XXXX. Her husband XXXX XXXX died in XX/XX/2022. She is appointed Personal Representative of his estate in XXXX XXXX, Maryland Capital One Bank claims to have sent a {$180000.00}. cashier 's check to her to close the account on or about XX/XX/2022. Initial problem : They sent it by regular mail to an old business address. The check never arrived. Capital One refuses to replace the check until the mailed check is recovered. This is an impossibility. At one point, on XX/XX/2022, Capital One sent an email to XXXX XXXX stating that they had received the check back as " undeliverable '', and that a new one would be issued. However, XXXX days later on XXXXXXXX XXXX XXXX, Capital One sent her an email stating that that was an error, that they had NOT received the mailed check back. The Capitol One internal case number is XXXX. To date, almost three months after the account was closed, she has not received the funds. This {$180000.00}. is the only large asset of her husband 's estate. 

Again, the Capital One case number is XXXX. It is in the office of XXXX XXXX XXXX Capital One Bank. 
.
Consumer complaint received 2021-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

EQUIFAX IS REPORTING A MEDICAL BILL ON MY CREDIT. THEY ARE NOT REPORTING WHO THE COLLECTION AGANCY IS. THEY HAVE NO NAME LISTED FOR THE CREDITOR TOO. I HAVE MAILED OUT SEVERAL LETTERS ASKING FOR THIS ACCOUNT TO BE REMOVED. THEY REFUSE TO MAKE THE CHANGES.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I opened an account with Citi Bank and they closed off my access to the online banking. I called and closed the account on XX/XX/2023 to make sure that the XXXX that I deposited into the account would be returned. The customer service representative said I would receive it after the account had been closed. I received a notice XX/XX/2023 that the funds were available and able to be accessed ( which they were not ). Then I received another notice XX/XX/2023 that the account would be closed in 60 days. I had called multiple times for answers and have received no news about the {$1000.00} that I had deposited into that account.
Consumer complaint received 2021-09-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have previously submitted several complaints with each bureau due to their lack of investigation or none AT ALL. At this point each bureau is in extreme violation and I am keeping stellar record of this and will be taking legal action if not resolved with a consumer attorney. Please refer to the previous disputes filed under complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX smart sales and XXXX transunion and XXXX is reporting different last active dates which is causing this account to re-age and this is a major violation and its being ignored. This needs to be removed immediately. 

XXXX or XXXX XXXX has not even been investigated AT ALL removed this are face legal action. Remove immediately. 

Please consider this my written authorization and attached is proof of my identity.
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates, LLC has called me repeated at all times during the day and night. I am receiving over XXXX calls a day from this agency. Oftentimes, the calls are back to back. Sometimes this agency call me on Sundays as well. In add In XXXX of 2019, this agency called me at a number I did not provide. When I quested this practice, the representative stated " We have ways we find number ; this is your job right, we are going to call you everyday at this number because we can ''. I have asked this agency to stop calling me but was told, that the agency had legal rights to call me " when and how they wanted ''. I have also requested letter be provided to me but to no avail.