davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

The information being reported by Chex Systems XXXX and XXXX XXXX XXXX isn't true.XXXX XXXXf XXXX said it was fraud that is a lie.It wasn't fraud and I am requesting that both XXXX and XXXX XXXX XXXX please deleted from my report .The info is incorrect and not accurate at all.
Consumer complaint received 2022-11-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tally Technologies (MD)

My credit report shows a Line of Credit account & debt owed that I have no knowledge, nor was opened by me. This unauthorized use of my information & credit report affects my employment status. 

Account info Account name TALLY TECHNOLOGIES INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open. {$4.00}, XXXX past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX {$10000.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$4100.00}
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lost my job during Covid 19 XXXX of 2020, XXXX XXXX had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

I called my bank to make a loan to build my credit and the bank said that Equifax have my birthday year as XXXX and I was born in XXXX but I 've never done anything with my credit so now things i try to do with my credit I ca n't and Equifax said they dont have any information and not looking into it. I NEED HELP ASAP! Im In the process of getting a car and apartment and ca n't do anything with my credit! I need this fixed ASAP!!
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (MA)

Key Bank, which is buying XXXX, has told me they will soon be charging me for use of my overdraft account, which, while I was with XXXX, and, before that, when I was with XXXX, cost me nothing. Now they tell me overdrafts may cost me as much as {$100.00} a cycle! This is unfair for me and all others who are powerless against this huge bank to protect a valuable personal asset, which, in my case, is {$10000.00}. of overdraft credit which has heretofore for many years, been free.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capitol One is falsely reporting I owe on an account that was closed in XX/XX/XXXX. At the time I closed the account, there was a XXXX balance. In fever of XXXX, they send an email saying I owe them over {$100.00}. Called them and asked how's it possible that I get no notification of any outstanding balance until XXXX. No response. This is just one current issues. Previously, they tanked my credit because without warning they sided with the vendor on a dispute and did an out of cycle update to my credit report. I paid off the card and asked them to update my report out of cycle as they did to their benefit. They would not, so I closed the account immediately. If they can do an out of cycle update to benefit them, they should return the favor. They didn't. I verified there was nothing left in three account when I told them to close the account. 

They will NEVER be in my wallet again. 

Please fix this by having them remove their XXXX my credit report. 

Thank you!
Consumer complaint received 2022-11-19
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. (AL)

You failed to respond to my dispute letter and you failed to verify that these account belong to me before the end of the 30-day period beginning on the date that you received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified account must be promptly deleted from my credit file. The file listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

You are also required to send me a copy of my credit file showing that these items have been removed.. Please provide me with a copy of an updated and corrected credit report showing these item is removed. 
account name account number National credit systems XXXX
Consumer complaint received 2022-11-19
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. (IN)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXXXXXX : {$2600.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$1700.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$6300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-19
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2017-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (GA)

I opened up a  BB & T  account on    XX/XX/2017 .   I received my card on  XX/XXX/2017 .   I made my opening deposit on   XX/XX/2017     of {$50.00}.   I made 3  XXXX  transactions Mobile deposit of {$490.00} And {$300.00} ATM deposit They held my cash and mobile deposit Then on   XX/XX/17     my mobile deposit was supposed to be made available then I was told by  XXXX  it would be available. Around  XXXX  I noticed my account was over drawn  XXXX  When I called they said it was a problem with my mobile deposit so I then asked what?   A  manager  told me he is n't sure but my accountant with be back in the positive by  XXXX  I told him I been trying to pay a past due bill and the bank has held up my {$300.00} cash I deposited The bank never gave me an available balance for my mobile deposit so you all have just taken my money for no reason. He assured me my money in full would be back in my account. This morning around  XXXX  my account had an available balance of  XXXX  So I went to go attempt to pay my bill that is past due and my card declined.   I called  BB & T  and the representative asked me more than normal security questions including my drivers license number Then to tell my the fraud department has put a hold on my whole account. With no explanation.   When I made my opening deposit it was made in a branch in which I showed my ID and signed my signature card The  BB & T m anager I spoke with assured my account was fine and he would wave all fees.     I
personally feel that my account is being froze because I told multiple BB & T representatives they have horrible service and after my {$300.00} was put back I would be closing my account. It 's been 3 days and they have refused to give my my cash out my account. And if it was a problem with my mobile deposit they have yet to let me know what or send me anything.
Consumer complaint received 2022-11-18
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: BARCLAYS BANK DELAWARE (OH)

I recently did a debt consolidation, Barclay credit card company received their payment to close this particular account, and they were accidentally mailed an additional check from my bank XXXX that was supposed to go to another credit card company as part of another debt consolidation that was not made out to Barclay.

They went ahead and cashed this particular check, and have placed the balance of this check into this now closed Barclay account, I have no access to retrieve this remaining balance to pay off my other outstanding loan, and they have yet to cut me a replacement check, mail it to me on a timely basis, and have dismissed their responsibilities, with no further correspondence to these funds being returned to me. XXXX Bank where I have the consolidation loan has been of no assistance in this error, and have been handling this error on my own.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MD)

I was checking my credit report from all three reporting agencies on XX/XX/XXXX and I saw that the US Department of Education has been furnishing my information to credit reporting agencies such as XXXX, XXXX, and Experian. This is a violation of 15USC 1681B which states that a consumer report can not be furnished unless a written instruction from the consumer ( me ) is given. I have never given written instructions and consent to the US Department of Education to furnish my information on my credit report and to the credit reporting agencies ( XXXX, XXXX, and Experian ).
Consumer complaint received 2016-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Equitable Acceptance Corp (AR)

A company by the name of XXXX XXXX XXXX was automatically drafting a payment out of my checking account for my federal school loans for approximately one year. The yearly enrollment update comes around, and they want to increase my payment dramatically. I contacted the U.S. Department of Education, and the representative told me she had never heard of XXXX. She gave me the number to the company they had listed that was handling my school loans. When I called, the representative told me they never received any of my payments for the loans. He also said they had received numerous complaints about XXXX and recommended that I file a complaint with this company. Another representative, from XXXX XXXX, told me XXXX XXXX XXXX falsified my information on their forms to meet their needs.
Consumer complaint received 2022-01-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2021 Experian received my certified letter regarding account # XXXX that XXXX XXXX XXXX XXXX is reporting on my credit report # XXXX. I disputed the account and asked for Experian to please verify this account and supply their methods of verification. On XX/XX/2021 Experian alerted me the dispute results were ready and that they had verified the account. 

It is stated on the Experian website that disputes take 30-45 days to fully complete the dispute process. The FCRA also says that the dispute process should take 30-45 days when properly conducted. How is it possible that Experian somehow was able to conduct a proper dispute in 7 days? Experian also failed to provide how they verified the account and the documents to support their findings.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (IL)

Equifax is reporting that XXXX XXXX XXXX said my prior mortgage was discharged in Bankruptcy. It was not. It was settled in a short sale a year prior to bankruptcy. XXXX, after direct contact, has said I am correct and refuses to acknowledge that they reported it as discharged in bankruptcy.. But Equifax , after XXXX disputes has failed to do a proper investigation and correct the misreporting. They were even provided all the proper documents showing this was not in bankruptcy. They continually tell me it verified electronically. I told them that there is an error somewhere, they do n't seem to care. They have also failed to provide the information of who at XXXX is wrongfully verifying that this was discharged in bankruptcy. XXXX denies that they are verifying this incorrect info. Equifax also provides only XXXX generic contact info not someone who deals with credit or this issue. After XXXX disputes over 1 year this remains uncorrected.
Consumer complaint received 2017-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Machol & Johannes, LLC (CO)

I have sent police reports and text messages to  XXXX   XXXX  explaining the debt is not mine, and they still refuse to accept the fraud claim. I have appeared to every trial date and reached out to the police. They served my court appearance to my roommate and told him they were trying to collect a debt from me.
Consumer complaint received 2022-11-19
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: LEXISNEXIS (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXReference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bankruptcydismissed Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2016-08-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CORELOGIC INC (MD)

Almost a week ago I started shopping for house. I did some reasearch online and found a house. Quicken loan was the only company that had my SSN and they pulled out my credit. I was done and I said I no longer want to move forward. After two days I saw another inquiry from Credstar/Credco on mu credit account I did not filled any application with them. I think they sold my identity, or something because I have no idea where the credstar/credco came from
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX I went into my bank to close my checking account and withdraw my existing funds. I was told that my account was on hold due to inactivity. This statement in and of itself didn't make a whole lot of sense. I hadn't used this account much over the years but my last transaction had been in XXXX of 2022. I was told that I needed to make some sort of deposit and that would unlock my account. I deposited XXXX dollar in cash. From there I was told by the personal banker that they were unable to issue me a cashiers check as there was a pending transaction. Once the transaction cleared they would mail me a check. A week and a day went by, no check in the mail. I went into the branch and requested that they cut me a check and was told that the check was in the mail and that by policy they couldn't cut a check unless 15 days had gone by. This is a ridiculous way to treat a customer of over 10 years who has never missed a payment on his mortgage or caused any issue.
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (IL)

WELLS FARGO has been very uncooperative and has caused a lot of problems for several business and myself. 

Any reasonable and ethical company would have provided assistance in clearing up my title when they were made aware a customer had a problem, but not Wells Fargo. 

It is obvious from the documents uploaded and numerous letters from Wells Fargo refusing to provide assistance in the matter of my title that XXXX does not know how to provide proper and competent customer service..
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

EQUIFAX HAD AGREED TO SHOW A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX AS CLOSED WITH A XXXX BALANCE AFTER INVESTIGATING MY FORMER COMPLAINT ON XX/XX/XXXX THROUGH EQUIFAX THEMSELVES AND CFPB. THIS ACCOUNT HAS REPOPULATED AND IS SHOWING A BALANCE OF XXXX DOLLARS. IT WILL BE SEVEN YEARS SINCE THIS ACCOUNT HAS BEEN PUBLICIZED ON XX/XX/XXXX. I REQUEST THAT THIS ACCOUNT SHOW A XXXX BALANCE UNTIL THEN AND REMOVED FROM MY CREDIT REPORT WHEN DEEMED APPROPRIATE - XX/XX/XXXX.
Consumer complaint received 2022-11-18
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. (TX)

15 U.S.C 1681 section 602 A. Statesl 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 infornmation, 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. 




I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 
According to 15 USC 1681i ( @ XXXX ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX. XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX XXXX concerning not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX XXXX XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Equifax. I have attached screen shots of the CFPB portal showing XXXX XXXX XXXX 's response in which they claim they can not find any account matching my information. They cite a 3rd parties name claiming they looked under that name as well and could not find any account. XXXX XXXX XXXX has been provided with my photo ID, credit report, social security number and DOB and was unable to verify an account. When I have previously disputed this account through the traditional method of directly to the credit bureau via USPS I received notification from the credit bureau that they validated the debt - however when I reached out to the creditor I was met with the attached response. This debt is not mine and I have proven that multiple times. Now I have proof that XXXX XXXX XXXX can not validate this debt.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (MO)

I do not owe Adstra recovery, Adstra recovery will not validate the debt, I have asked for the last 3 years, I have disputed with XXXX, they have come back that is is accurate, I asked XXXX to provide me the information that was given to them and they have not provided the information, I have also asked Adstra recovery to provide me the information, Adstra recovery has never provided any business or service to me, but they want to get money out of me, this is Fraud. 

Do I have to hire an attorney or a Credit repair company to remove this, if I do that it would be removed immediately, why is that? So is XXXX working with Adstra? 

Per the FDCPA Adstra recovery and XXXX are in violation Also just attempted to speak with a supervisor ( XXXX ) from XXXX, he was rude and said they would not remove it and I asked to explain to provide me with the info and he would not