davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, ENHANCED RECOVERY, XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission XXXX FTC XXXX, in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could  cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-12-05
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. (IL)

I reviewed my credit report months ago to find fraudulent inaccurate information reporting to my credit that doesnt belong to me. I have been submitted atlas 6-7 months of disputes contacting the credit bureaus in regards to removing the following information listed. I have police report and etc identity theft affidavit supporting my claim and creditors and bureaus still have not removed all items from my credit report as well as inaccurate addresses names and reporting for the accounts listed below : XXXX credit card opened XX/XX/XXXX balance {$8500.00} XXXX XXXX opened XX/XX/XXXX balance {$4400.00} XXXX credit card opened XX/XX/XXXX balance {$1400.00} XXXX credit card opened XX/XX/XXXX balance {$6100.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$3200.00} XXXX XXXX XXXX credit card opened XX/XX/XXXX balance {$8900.00} XXXX  personal loan opened XX/XX/XXXX balance {$24000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$2700.00} XXXX XXXX opened XX/XX/XXXX balance {$2200.00} None of this accounts are mines or valid. No authorization and where not opened by me they are fraudulent and I demand that they are blocked or removed from credit report immediately.
Consumer complaint received 2020-09-17
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. (VA)

Throughout the year of 2020 equifax has been allowing creditors to post onto a credit report without first receiving and correspondence companies. I have been fighting with companies to remove items from my report until I receive a letter to dispute the charge. Companies are getting my phone number from equifax. I have emailed the company multiple times and even posted disputes.
Consumer complaint received 2020-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I was appointed legal guardian & conservator of Ms. XXXX XXXX on XX/XX/2020. She has a consumer checking & savings account at Wells Fargo Bank. I met with a banker on XX/XX/2020 to a ) get added as an authorized user on the consumer accounts, b ) open a new conservator account, and c ) transfer money from the consumer accounts to the conservator account, leaving the consumer checking account open until I can get VA pension and SSA auto deposits going into the conservator account. Item ( b ) was accomplished. The bank told me their legal department would not approve adding me to the consumer accounts as an authorized user, nor transfer money to the conservator account. The bank wouldn't even allow for a {$25.00} transfer to open the conservator account ; I had to use my own money. The amount in the savings account is minimal compared to the checking account. I asked if the savings account could be closed and transferred to the conservator account so I would have cash to work with. This request was also denied. These accounts are the only liquid cash Ms. XXXX has. Her POA passed away in XXXX, 2020, and bills have not been paid since. I explained to the bank that it would take XXXX months at best to get the VA XXXX XXXX XXXX deposits transferred to the conservator account. By closing these accounts right away would cause the auto deposits be returned, and could be difficult to recover. I asked for special consideration to transfer money to the conservator account given Ms. XXXX 's financial situation. The banker said he would send a request to the escalation department.Ms. XXXX 's bills are deeply in arrears. The homeowner association fees have been sent to an attorney for collections. The utilities in her home were turned off due to non-payment ; I had to open new utility accounts in my name ( which is frowned on by the MN probate court ) in order to get the utilities turned on. The homeowners insurance has been canceled for non-payment & I will not be able to reinsure until I have access to the money. There is a large unpaid balance at the memory care location XXXX XXXX lives at, putting her in further jeopardy. I provided the MN statute for conservators to the bank, which states " ... ( 3 ) the duty to possess and manage the estate ... ''. I maintain Wells Fargo Bank is in violation of MN law. This is not the first time I, or my colleagues in the industry, have had these issues with the bank. I try to develop a professional relationship with the bank since they have a large presence in the community, though their actions make it most difficult.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: KEYCORP (WA)

So it started on XX/XX/XXXX I was unaware at the time but I was being scammed by what I thought was a loan agency cause I had been looking to take a loan out to utilize my credit and build my score so I can get a XXXX XXXX loan. But around noon something they requested raised res flags so I followed through with the request and immediately Withdrew my funds from my account and called key bank. I said I had reason to believe that my account was compromised I wanted to know how to go about safeguarding and or preventing any breach or further breach. They assured me that everything was fine after 30 minutes of arguing with them because they literally refused to help. Said they could see the ip address and transactions th a t everything was fine even though I'd seen large amounts of money being moved from one account to the other. She said it was me I had just probably made a mistake or forgot. XXXX key bank has refused to look up that recorded call, in sure they know that had they taken me seriously and done their job when I came to them in the beginning none of this would have hsppened ) soi told them if they wouldn't help I'd just go to a branch and figure it out. So it was after closing hours but the time I was anywhere near a branch so the next morning 1st thing I went in and my accounts were all frozen because less than 2 hours after I called for help and was turned away {$6000.00} was mobile deposited into my account one with my name misspelled ( yet still went through ) and another which were both terrible replica social security and stimulus checks. So I reported everything immediately to the ftc and the police and saved pictures of correspondence with the scammers and pictures. And a month later I'm told I can't bank with them anymore, and they shut my businesses account down, my personal, my merchant services and they are holding me responsible for {$1700.00} of the {$6000.00} threatening to report it to ruin my credit. Didn't take my longstanding business relationship into consideration just kicked me out and treated me terribly and were very rude about it. I went to another branch to discuss it and figure out what I'm supposed to do and they said " what are we supposed to do about it? ". I'm going to pay them the XXXX cause I don't want my credit affected cause iv worked so hard to get my score up but I'm going to fight to get paid back every XXXX and then some.
Consumer complaint received 2020-09-17
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. (FL)

I need some assistant with the following unverified accounts that are showing on my credit report : 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 I live in Florida and I have no records of doing any business with the above-mentioned companies. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current and only address XXXX XXXX XXXX  XXXX FL XXXX. 
please remove the following fraudulent address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX
Consumer complaint received 2020-09-17
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. (LA)

Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have never had a XXXX account. I filed a Police Report to show this account is fraudulent. ( I have attached a copy of the police report for reference. ) I called XXXX and spoke to a representative that informed me that this account was for four ( 4 ) XXXX. I never placed any order for XXXX nor did I give anyone permission to order these phones. The representative from XXXX would not investigate this false order and consequently told me regardless I was responsible for the debt. Again, this account does not belong to me. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
Consumer complaint received 2017-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (UT)

Discover Bank withdrew funds for an XXXX XXXX to another one of my bank accounts on XXXX/XXXX/XXXX. They have repeatedly claimed that they issued an XXXX XXXX instruction on XXXX/XXXX/XXXX as part of that XXXX/XXXX/XXXX Tuesday evening 's business to credit my account at the XXXX. However, those funds did not arrive at the XXXX until today XXXX/XXXX/XXXX, two days after they should have arrived for an XXXX XXXX transaction submitted with Tuesday evening 's business. 

Discover Bank refuses to account for who had my funds on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX or to explain why my funds were missing for two days. Instead, they think that I am some XXXX XXXX who does not understand how the Federal Reserve Automated Clearing House system and its transactions work. 

Furthermore, Discover Bank blames my XXXX for not properly crediting the funds to my account in a timely fashion, something that I believe that is defamatory to my XXXX and that I believe that can prove is not the case, basically, because my XXXX is not a XXXX bank that plays games with other people 's money. I have spoken with the XXXX, and they have said that no aspect of the XXXX XXXX was delayed on the XXXX 's end because of any exception handling or any other problem : this delay resides squarely with the XXXX.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have a hard credit pull from the company below on XX/XX/2018. This is not something that I authorized or permitted but it has been showing up on my credit report. While I have contacted this company to have it removed they deny that they have any knowledge of this and will not take action. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
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. (FL)

To Whom it may Concern My Name is XXXX XXXX it Appears, that there some issues going on with my credit. I check my Credit and i notice theirs an XXXX XXXX on my credit. this Account Does not Belong to me, which is reporting that its an open Account on my credit. I called XXXX XXXX and i spoke to an Representative and they told me that I'm not on that Account they Also told me that I would need to contact the credit bureau to assist me with having this Account Removed From my credit Please Remove this account off my Credit Account due to fact this Account does not belong to me thank you
Consumer complaint received 2020-12-05
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: EQUIFAX, INC. (GA)

I have filed Several complaints against this company XXXX XXXX XXXX they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a XXXX XXXX account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MD)

the data that self financial incXXXX send out on XX/XX/2020 at XXXX est time zone my balance of ( {$250.00} ) when i look at my statement from login in on there website its different then what they are sending to u. now i know under the fair credit reporting act. this is a huge mistake on someone end either the billing e-oscar system going in loop and missing important data and skipping and missing stuff automatically, or e-oscar just been broken for 30 years. 

i have login in my account its very strange when you account tells you there no payment due or minimum balance due. we surely have a concern in the data system making errors or mistakes or just more errors then the system can handle. i spoke with self lender during the months of XXXX and XXXX and and XXXX and XXXX and XXXX and XXXX of 2020 during this cov-19 i ask the lady name XXXX, XXXX, XXXX, what are they doing to help there customers that had been effect with jobs lost/ and XXXX dollars to pay there account. self lender agent stated we don t care about our customers and that have been effective by cov-19 and they don t care about any ( executive order from the state of marylands residents ) Make a Credit Card Payment Credit card number : XXXX XXXX XXXX XXXX Remaining statement balance : {$170.00} Current balance : {$170.00} Payment due date : XX/XX/2020 Minimum payment due : {$0.00} Payment amount : Payment method : Add payment method Payment processing date : Immediate - ( XX/XX/2020 )
Consumer complaint received 2020-09-17
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. (MN)

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers
Consumer complaint received 2020-09-17
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: WELLS FARGO & COMPANY (MN)

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$7300.00} debt from SYNCB/XXXX I cant say this more emphatically, I have never had a SYNCB/XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Consumer complaint received 2020-09-17
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. (AL)

I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

My card was closed due to a bankruptcy case that does not have to do with me. My father and I have the same first and last name. He and my mother are filing for bankruptcy, and Citi Cards closed both of my account due to that. I am not included in their case, and was not given notice of closure. My father is not an authorized user nor a co-signer. We just have the same name and mailing address. I called the bank and they have a 7-10 business day turn around time. reopening the account runs the risk of me having a hard hit on my credit report. I am also in the process of buying a home, and closure of an account can negatively impact my credit report. Its is a big mistake on CitiCards.
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Wells fargo cancelled all the debit cards for my accounts denying access to my funds due to alleged too many claims. The claims were valid and reversed in most instances by the merchants. Some airlines did not refund the money from my checking account. after a new account was opened recently, they did reissue a debit card only to have a representative ask my to drive back to the bank and return the card.
Consumer complaint received 2020-09-16
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. (NV)

There is a medical bill that does not belong to me. Please remove it in its entirety. Additionally, there are inquiries on my credit report in which I did not allow without my permission. Remove that as well. Thank you.
Consumer complaint received 2021-04-07
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021