davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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. (TX)

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2021-06-30
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. (NJ)

On XXXX I had sent you a letter disputing UNKNOWN accounts and asking for it to be verified or deleted. The 3 Bureaus has failed to respond to my letter. It has been more than 30 days since the last letter and as I understand, the bureaus are obligated to respond to my letter within 15 days but still I did not received any reposnse
Consumer complaint received 2021-06-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AR Resources, Inc. (FL) (FL)

ARS collections purchased a debt without my implicit authorization or my knowledge. They also illegally remanufactured and repackaged said debt under various accounts advertised against me on my credit reports without my consent. Even after execution of cease and desist order they continued to enforce the collection of debt by mailing notifications and releasing my data to credit bureaus. This attempt to collect a debt without a valid court order is illegal.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/XXXX, our mortgage company ( Nationstar dba Mr. Cooper ) for two of our properties, withdrew 10 unauthorized ACH transactions totaling {$28000.00} from our bank account with XXXX. They reversed the unauthorized transactions by end of day.
Consumer complaint received 2021-06-30
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)

There is one account on my credit report that does not belong to em I have tried reaching out to the bureaus as well as the funrisher and nothing is being done for this account. This is identity theft and I want this account off my credit report asap!!! 

XXXX XXXX XXXX - Account # XXXX XXXX {$15000.00} OPened XX/XX/2017 XX/XX/XXXX
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

2 weeks ago when on my computer it locked up with a message by XXXX that they dedected unusual activity on my bank. They emailed a person who supposedly worked for Wells Fargo. They told me hackers were attempting to transfer {$10000.00} from my acct. When I said I had no message for call from the bank they said my phone was hacked. I was told to removed the {$10000.00} in cash from the bank so the transcation would not go through and put it a bit coin machine to create a digital wallet. The person from XXXX kept my compleTHte locked up and kept doing scan to supposedly lock out the hackers. The said the XXXX address was been changed to allow the hackers. This happened again a couple days after for {$5000.00}. The guy form the bank attempted to return {$5000.00}. to my account but the transaction failed he told me to call Wells Fargo and trnsfer {$5000.00} to my credit card and removed the cash from the bank. 
When they attempted to run the same scan on my XXXX XXXX account all the red flags came up and I called the my local agent. The XXXX person said and showed me the scan that my phone was hacked, that the hackers knew I called XXXX XXXX. The bank person wanted me to drawn {$85000.00} from XXXX XXXX and deposit it into my bank. I drove to be local agent and they saw no scams on my XXXX XXXX accounts and more red flags came out. They locked down my accounts for safety. 
The hackers knew then we were not getting any more out of me. 
My computer was no longer loacked down. 
The guy from the bank kept telling me to not talk to anyone about the hack. Now I know why. 
I filed a fraud compliant with Wells Fargo. I talked to the fraud agent from XXXX XXXX and he gave me your website. The guy 's name was XXXX XXXX and the XXXX person was XXXX XXXX XXXX and XXXX
Consumer complaint received 2018-02-14
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: EQUIFAX, INC. (NJ)

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX-ny Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX/XXXX Inquiry from XX/XX/XXXX - Specialty - Shoe, Hat, Etc. 
XXXX Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Misc.
Consumer complaint received 2021-05-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Smith Law Firm, P.C. (MT)

Lost 99 % of the money in my account that is needed to live and pay bills, to repay the debt from the judgement. Never got a summons to court or notification of being sued. Called attorney but attorney never responded back.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (FL)

1. M & T bank charged me 3 overdraft fees for the same transactions resulting in {$110.00} in fees for a {$9.00} transaction. 
2. I tried explaining to M & T bank that I have not been using the account for almost a year, or maybe longer and I can not understand why door dash charged my monthly subscription to this account while they charged all my other purchases to my default account which I use on a daily basis. 
While trying to retify this, along with other transactions on the account which I did not make, they closed the account and sent it to collections. 
Now they're telling me my only options are to either pay the bill or don't pay. But if I don't pay. Its gon na be put on my credit. 
I think its unfair to me being that I never initiated a payment with this card.
Consumer complaint received 2021-06-30
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: The Bureaus, Inc. (NC)

I am really dumbfounded with what is going on in my credit file. This are trying times and everyone is on rebuilding. I am building my credit standing yet these accounts appear to affect my scores so bad that I am losing hope. Please help me out with them and eradicate them from my credit file. To point things out, these account has a lot of missing identification and information that can not stand to be reported. Please investigate and remove them right away.
Consumer complaint received 2022-04-23
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: CL Holdings LLC (TX)

I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (WA)

Balance transfer XX/XX/XXXX completed and the promotional 0 % interest was good through XX/XX/XXXX. I had purchases on the XX/XX/XXXX statement as well and my balance was XXXX including the transfer fee. I paid XXXX on XX/XX/XXXX bringing the balance to XXXX on the XX/XX/XXXX statement. That payment was fully put toward the balance subject to interest. At this point the balance was all 0 % promotional. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX bringing the balance to XXXX. 

In XX/XX/XXXX I made a large purchase on XX/XX/XXXX ( XXXX ). I made a XXXX payment on XX/XX/XXXX. Barclay MasterCard began putting all money paid toward the purchase ( higher interest ). I also made a payment of XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I was making large enough payments to pay off the promotion on time. In XX/XX/XXXX I realized what was happening and I contacted Barclay. 

They advised they do not put any of the payment toward the promotion and only apply it to the highest interest even though I wanted them to apply it toward the promotion. I was frustrated but not given any options. 

A few days ago as I was reviewing my payments and how they were applied I noticed the promotion/balance transfer amount never went down since XX/XX/XXXX of last year and in fact now has a higher balance. I read that the changes in how payments are applied that occurred in XX/XX/XXXX state creditors must apply the payment to the balance with the highest interest rate first. I also read that the consumer can choose to have the extra payments beyond the minium due applied to a promotion balance. I was never given that choice. I paid more than enough to cover the total XXXX minimum payment due at the point of my XX/XX/XXXX payment. 

I called again Sunday XX/XX/XXXX to ask about that balance transfer/promotion. I was unable to get clear answers from that associate and requested a supervisor. After waiting 15-20 minutes the associate came back on the line and said a supervisor would call me within 24-48 hours. I advised I was concerned that would not happen and I wanted to resolve this issue. 

I did not receive a return call within the 24-48 hour timeframe. I think that company avoided payment on the promotion amount to push it into accruing interest with the purchase balance I made in XX/XX/XXXX. I want to dispute the action they took and believe they should have to go back and correct it. I decided to make a complaint as I was unable to resolve it with Barclay. Ihope to get some help and answers about this issue.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

these inquires does not belong to me XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX  date : XX/XX/XXXX. only suppose to be one inquiry XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX. date : XX/XX/XXXX XXXX XXXX XXXX XXXX  ). date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date XXXX
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

XXXX XXXX has been unable to access my equifax credit report since XX/XX/XXXX. XXXX XXXX XXXX was unable to access my equifax report on XX/XX/XXXX. XXXX  was unable to pull my Equifax credit report on XX/XX/XXXX. Ive reached out to Equifax on numerous occasions to try and resolve the issue. Ive spent at least 6 hours on the phone speaking with multiple agents but no one can seem to get to the bottom. Im told the account is not frozen/ or locked. I think this may go back to when I cancelled my equifax premier plan. I just need help to get this accessed so we can refinance our home.
Consumer complaint received 2021-06-30
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: AFNI INC. (NC)

I am really dumbfounded with what is going on in my credit file. This are trying times and everyone is on rebuilding. I am building my credit standing yet these accounts appear to affect my scores so bad that I am losing hope. Please help me out with them and eradicate them from my credit file. To point things out, these account has a lot of missing identification and information that can not stand to be reported. Please investigate and remove them right away.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (AR)

I had a prepaid card with netspend in which my kids and myself government benefits were loaded o to that card. I went to XXXX  and someone was accessing my account myself and the XXXX  was trying to help me get my account froze and or get I sent to the XXXX  XXXX in which those calls I made in XXXX  was on a recorded line I even asked for a special code word to be put on and they did but someone someone was still access mu money and info changing things so I couldn't even access my card when I went loosed everything my house was broken in everything gone or stolen. Fast forward once I got out which was in XX/XX/XXXX I went in XX/XX/XXXX they reimbursed like XXXX but said it was my fault that my money was stolen I even provided a police report and the report from the XXXX  showing when I went in and got out. I asked for them to pull the recordings they wouldn't they denied my claim twice then refused me service and said that I can't no longer have an account and couldn't never get one and that all my account info is closed .today XX/XX/XXXX I made contact denied and they wouldn't transfer me to a supervisor and kept disconnecting the line. Please help me recover my funds and take action against netspend
Consumer complaint received 2018-11-13
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: EQUIFAX, INC. (OK)

as I disputed this account with Equifax 2 previse times and again in XX/XX/2018, I aslo disputed it with XXXX XXXX XXXX, in which they sent me a letter on XX/XX/2018 stating that there client has not validate debt with them and will discontinue all collection efforts, yet Equifax still showing its under investigation, please find letter attached. and that Equifax has token more then the 30 days allowed,
Consumer complaint received 2018-10-04
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. (FL)

I opened a credit card account with XXXX XXXX XXXX  on XX/XX/2018 in order to increase my credit score. Obviously I used it responsibly and paid it on time every single time, they even increase my credit amount from {$300.00} to {$450.00} in just one month. On XXXX I enter the iphone app and change the account to make payments from, and then a week later I noticed a " past due '' remark on the app ( did not receive a notification ). Supposedly, it was because of an error on the account information, which I verified and was correct. Tried to submit the payment again, and received a call a week later ( on XX/XX/2018 ) that my account was " past due ''. At that moment I authorized the representative to withdraw the " past due '' amount from my account ( the same one with the " error '' ) and he confirmed that the payment went through. I even authorized the remaining {$91.00} to be paid a week later as an automatic payment by the same phone transaction. All of the sudden and without any kind of notification my account was closed. I noticed because XXXX XXXX gave a notification. Today ( XX/XX/2018 ) I received a call from XXXX XXXX, again, about an error in my bank account ( after they closed my account without notification ), and I proceed to make the full payment with my debit card XXXX the one from the same bank account ), an option that was not presented to me before. Then I asked the operator to transfer me to the appropriate person to correct the information reported to my credit, as the account was closed by the credit grantor, and my credit score dropped 50 points, again without notifications, and not because I was not willing to pay, which was never the case. They even closed my access to my account over the internet or the phone app. I tried to find a way to fix this, and the ONLY option they gave me was to send via mail ( not email ) a letter from my bank verifying the account ( the same one I use to pay all my bills ), and he also said that it will take 7-10 business days to process this after they receive the letter, and that a separate dispute letter needed to be send to another department. And, I need this to be fixed right away, because of my credit score drop, and because it is all due to their lack of communication with me.
Consumer complaint received 2018-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frost-Arnett Company (FL)

1 ) I was contacted by a company which I have never given any permission to my personal medical or personal information with regards to a Debt. I strongly feel that my HIPAA privacy and sercurity has been violated with regards to this company by the name of FROST-ARNETT COMPANY ; their address being XXXX XXXX XXXX XXXX, TN XXXX. Their phone number listed XXXX & XXXX. 

2 ) They contacted me trying to collect on a debt, asked me for my social security and full name saying that they have all my information of an existing medical debt that they need to collect asap. They claimed to have an existing debt to collect on behalf of XXXX XXXX XXXX whom OBVIOUSLY SOLD my medical infromation and strongly violated my HIPAA privacy and security laws. 

3 ) I was contacted by a company which I have never given any permission to my personal medical or personal information with regards to a Debt. I strongly feel that my HIPAA privacy and sercurity has been violated with regards to this company by the name of FROST-ARNETT COMPANY. They gathered information forcefully my name, the sum, my social security I think and my drivers license I was not aware that this was a complete violation of my HIPAA privacy and security law that is supposed to proctect me from these agressive and invation of privacy tactics. 

4 ) The company is about FROST-ARNETT COMPANY ; their address being XXXX XXXX XXXX XXXX, TN XXXX. Their phone number listed XXXX & XXXX. They have distroyed my credit like they said, even though they NEVER had my permission to have access to ANY of my personal medical and private information. I am scared for the sake of my security and really medical privacy, that is can be sold and thrown arrownd like nothing, like I don't matter or exist. Very very shocking! 

5 ) The people involved are above. The company that contacted me with a debt that never existed with them, they never had permission to my private and suppossed to be secure medical information based on the HIPAA laws. 

6 ) I was contacted by this company ( FROST-ARNETT COMPANY whom had not right to do so, on XX/XX/2018 in writting ( a bill from them ) as well as a day or two later via phone where they forcefully asked me for my social security and so forth saying that they need to collect a debt asap and that I must pay this debt before a year from the date. They claimed to have a balance of $ XXXX that I owe them. 

7 ) This company FROST-ARNETT COMPANY has several addresses listed on this fraudulent bill they sent for the balance. 
**FROST-ARNETT COMPANY **XXXX XXXX XXXXXXXX XXXX TN XXXX **Phone Number XXXX / XXXX **FROST-ARNETT COMPANY **XXXX XXXX XXXXXXXX XXXX, TN XXXX. 
**Phone Number XXXX & XXXX XXXX **XXXX XXXX   XXXX XXXX PA XXXX ( Address service requested?? ) Please help, this is worng, this is a breech of the HIPAA privacy laws to a large extent, my security and privacy has been completely violated. Please advise. 

Thank you kindly,