davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

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. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

In XX/XX/XXXX three purchases were made on our PNC account at XXXX in the XXXX XXXX XXXX area. When these purchases were made on XXXX, XXXX, XXXX and posted to our account on XX/XX/XXXX in the amounts of {$29.00}, {$26.00} and {$36.00}, totaling {$92.00}. When we received an email from XXXX stating the purchases had been made we called the bank immediately. It is impossible for me to make purchases in the XXXX area and the XXXX XXXX   XXXX area on the same day within very close time frames. It also defies all logic that I would make three online purchases in the XXXX XXXX  XXXX area that would be delivered to addresses where I am not. This logic, coupled with the fact that we called the bank immediately is proof that we did not make these purchases. 

We were issued a provisional credit on XX/XX/XXXX XXXX for the full amount ( {$92.00} ) while the investigation was pending. On XX/XX/XXXX PNC Bank sent us a letter that we received on XX/XX/XXXX informing us that the investigation was complete, and they are removing the provisional credit to our account. The letter states that we are now responsible for the {$92.00}. We immediately phoned PNC and they are still removing the provisional credit ( taking our money ) while sending the dispute through to their dispute department again. I made several phone calls to PNC today ( XX/XX/XXXX ) and I am unable to speak with anyone regarding the details of the investigation that was conducted into these purchases on our account. I am unable to get the reasoning or findings in the investigation that were used to determine that we are responsible for the {$92.00}. Any assistance in the matter would be much appreciated. 

The reference number for the dispute is XXXX.
Consumer complaint received 2022-08-02
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : 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
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2022-08-02
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 discovered that some of the information on my credit report were unknown to me when I reviewed it. I sent a letter to Credit Bureaus on XX/XX/2022 to remove 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that were UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than XXXX business days after the reciept .Ive already included this in my previous Complaint # XXXX XXXX, XXXX & I am including it again.,
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report were unknown to me when I reviewed it. I sent a letter to Credit Bureaus on XX/XX/2022 to remove 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the reciept .Ive already included this in my previous Complaint # XXXX XXXX, XXXX & I am including it again.,
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

XXXX XXXX I was seen in the emergency room. During my dos my XXXX XXXX Was active. The provider had 365 to properly file the claim to render payment. This is a XXXX charge that has been billed to me inaccurately. if you are on XXXX The provider is to bill the state not the patient. By the provider/collection agency placing this on my credit violates XXXX policies/procedures.
Consumer complaint received 2021-08-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (GA)

Started a Certificate of Deposit with XXXX XXXX on XX/XX/XXXX in the amount of {$10000.00} at 5.12 interest for the life of the Certificate. We held this Certificate till needed. In XX/XX/XXXX we went to cash the Certificate at Wells Fargo Bank in XXXX, Georgia that had taken over the Certificate through a series of mergers. XXXXXX/XX/XXXXXXXX  had merged with Wachovia Bank who was eventually bought by Wells Fargo. 

Wells Fargo says they did a search and could not find any record of the Certificate as they destroy all records after 7 years and they would not honor the Certificate, even though I possessed the original Certificate of Deposit and the XXXX Redemption Certificate and Time Deposit Deposit Agreement, all of which prove the Certificate was never cashed. If it was cashed they would have taken the Certificate of Deposit and Redemption Certificate as they did with other Certificates I cashed in previous years. 

I went to the next level at Wells Fargo and was denied again as well as being denied by their Resolution Team. 

My efforts with Wells Fargo went from XX/XX/XXXX till XX/XX/XXXX whereas I searched for an attorney to take the case, but, there were no takers. No one handled this type of case In XX/XX/XXXX my daughter took a shot at recovery and got all the same denial answers. 

With interest applied to the Certificate, I estimate the amount owed me is about {$25000.00}.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (PA)

I received a surplus check from my escrow account on XX/XX/XXXX for the sale of my home from my then mortgage company, Ditech Financial ( which is attached ). Unfortunately, Ditech addressed the check to both myself and my deceased husband, so along with moving it wasn't until the following summer ( XXXX ) when I came across the check and tried to cash it at my new bank. I was told I could not deposit it since my deceased husband 's name was listed, and called Ditech on XX/XX/XXXX. I was told that a new check would be re-issued in my name only and to allow 10 business days to receive it. However I never received it and called again in XXXX only to find that Ditech had gone bankrupt. My daughter and I have spent many hours calling different companies and assistance bureaus to try and find a way to track down this money as it is not an insignificant amount ( {$2600.00} ) but to avail. Most recently I contacted the XXXX XXXX XXXX XXXX and spoke with Ms. XXXX XXXX who had reached out to XXXX   on our behalf as they had acquired existing mortgage accounts. But given that when Ditech went out of business I was no longer a customer, they have no record of me and this account in their system. I am very much hoping that someone at the CFPB could assist in some way, I would be forever grateful to be able to get a new check reissued. I understand that I waited some time to get on top of this but I was going through a lot with my husband passing, the move, etc and I dropped the ball. I am still holding hope that this will be resolved. Thank you very much.
Consumer complaint received 2020-08-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2020-08-07
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

Chase Auto Finance advised that they received confirmation from XXXX, XXXX and XXXX that the block was removed from my account. However, I am requesting proof of documentation that they sent letters requesting XXXX, XXXX and XXXX to re-insert my lease payment history for my XXXX XXXX XXXX.
Consumer complaint received 2020-08-07
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. (MS)

i notice some negative items on my credit that the bureaus are posting and i sent dispute letters to XXXX  and Equifax on XX/XX/2020 and has attached a copy of the letter that was sent below.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a complaint last XX/XX/XXXX to remove these items, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/20 6 fraudulent deposits were made to my primary checking account. Each deposit was for an amount slightly over XXXXwith a cash back of XXXX. On XX/XX/20 and again on XX/XX/20 a total of 9 deposits of slightly over XXXX were made into my secondary checking account with the same XXXXcash back for each deposit. On XXXX the XXXX when we discovered this fraud we immediately called Chase banks fraud department and filed a report. We were told that our accounts would be frozen and the money that had been withdrawn would be put back into our account by XXXX the XXXX. On XXXX the XXXX our bank closed both accounts and took over XXXX from us. As of XX/XX/20 our bank has not returned our money.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC (FL)

A collections agency, Voss Klein, is reporting to the credit agencies that I owe them a debt. I have never done business with this company and do not believe that I owe them anything.

I believe that they may have purchased a disputed account of mine, but they do not respond to my requests to send me a debt verification letter or to otherwise show me that they have purchased this account. 

Furthermore, I believe that they have improperly filed a lawsuit against me using the name of the original creditor as the Plaintiff. When I ask the attorney ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) who owns the debt, he tells me that the school ( the original creditor ) does, but Voss Klein is reporting to the credit agencies that I owe it to them.

And neither Voss Klein nor XXXX XXXX will give me a debt verification letter, so I can not tell who actually owns this account.
Consumer complaint received 2022-08-02
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. (WA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

XX/XX/2020 I noticed my credit score went down significantly. When I looked into it, it showed that I had a delinquent account with Barclays Bank Delaware. Shortly after, I contacted the company and thought I had resolved the issue. Basically I had been charged two dollars and some cents for an XXXX in XXXX. I knew this transaction was impossible since I had not visited the country. The company said they would report it as fraud and everything would be taken care of. The company stated it would take 40 to 60 days to reverse the charges that were made out of the country and fix my credit score. Two months later my credit score was still extremely low ( Almost 100 points lower ) and the account continue to accrue interest. When I called back, the company said it would only take a few more weeks to come off my credit score and reverse the charges. Flash forward to XXXX and my credit score is still being affected and now Barclays is saying I owe over {$200.00}. I have contacted the company multiple times, spoken to many supervisors and specialists, and the company has not changed anything.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I submitted a complaint last XX/XX/XXXX to remove these items, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-02
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. (MN)

I do not agree that the said amount of debt by XXXX XXXX is owed by myself. I have not received any documentation of how they generated this stated amount. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, then we are all in full agreement that there is no debt owed by myself.
Consumer complaint received 2022-08-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with XXXX XXXX XXXX XXXX. I contacted XXXX and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and XXXX was paid in XX/XX/XXXX. However, XXXX has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to XXXX to request a good faith removal as this was not reported accurately. XXXX refuse to XXXX my request. XXXX has reported 60 days late in XX/XX/XXXX to XXXX and Transunion credit reporting agency and has reported to XXXX 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. XXXX was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX attempted to lift my credit freeze. Equifax website locks me out. Calling customer service ( automated ) does not resolve issue. 

On XX/XX/XXXX After attempting to lift freeze, I was ASSURED problem was resolved and would not have issues again in the future. I was on phone for TWO hours at that time, attempting to lift freeze. 

On or about XX/XX/XXXX After attempting to lift freeze, I was ASSURED problem was resolved and would not have issues again in the future. I was on phone for FOUR hours over course of 3 days hours at that time, attempting to lift freeze.