davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
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. (IN)

I filed a dispute with Equifax on XX/XX/19 because duplicate accounts were showing on my report. These accounts had been oopene with the US Department of Education and had been transferred to XXXX. Rather than showing as a transfer, Equifax showed these as separate loans. Some of these accounts were also not indicated as being closed even though a XXXX balance remained. One of these accounts showed as being deferred and having a balance of XXXX. The result was that my credit score was damaged and 44 points lower on Equifax compared to XXXX. The dispute was resolved according to Equifax on XX/XX/19 but only one account had been changed to closed. The dispute form stated I should contact the loan provider to have them correct the issue. XXXX shows the status of my loans correctly, meaning the issue lies with Equifax. I called Equifax on XX/XX/19 and had to provide their automated system my address, SSN, etc. I also had to provide the automated system information about the accounts I had open ( ex. mortgages ). After 10 minutes I was finally transferred to a customer service agent. This agent made me provide all this information again. He also stated that he had changed my dispute so the one loan showed as not being deferred. I checked the account and it had not been changed. When I brought this up to the agent, he proceeded to act like he could not hear me. At this point I had been on the line with him for over ten minutes without a single service issue. Nor have I had issues calling other people in the same location. This agent lied to me twice and did not solve the issue.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

I was offered a {$800.00} Amex card from XXXX  as a purchase incentive in XXXX. At that time, Amex told me that there will be no charges and card was valid until XXXX. When I tried to used the card this month, Amex has improperly deducted funds. They say they have levied a charge of {$3.00} every month for past 20 months. This seems very suspicious and deceptive practices for click and bait schemes. No such information was given on my first call with them in XXXX.
Consumer complaint received 2019-05-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (IL)

I borrowed {$300.00} from this lender and so far they have garnished XXXX out of my wages, this is more than half of what I borrowed and they still plan on taking more. If I had known this I would have never borrowed anything.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I visited XXXX in XXXX to look for XXXX season tickets. I found some I wanted and called the phone number on the ad ( XXXX ) XXXX and we agreed to meet in XXXX Texas. While I was on the way he called to say he couldnt meet but that he could walk me through using XXXX. He said I owed him {$1500.00} for four tickets and to ease my mind I could XXXX him {$500.00} and then he would send me two tickets and then I could XXXX the remaining {$1000.00} after I got the first two tickets and he would send me the last two. He even said fraud happened to his daughter once and Wells Fargo immediately gave the money back. 

I signed up for XXXX on my Wells Fargo account and loaded in his information. It came up with a XXXX XXXX. After I sent the {$500.00} he called me and said " did you know you can only XXXX one {$500.00} transaction a day? '' and he hung up on me. When I tried calling back the line was dead. I immediately called Wells Fargo and they said they would open a claim. Weeks later I got a letter from Wells Fargo saying the claim was closed because the money was already sent and processed by XXXX XXXX XXXX account. 

I called Wells Fargo and asked them why they closed the claim and they said when someone uses XXXX it is instantaneous and if I authorized the transaction, there was nothing Wells Fargo could do.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts being added to my credit report. I am requesting that the following accounts be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-13
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: CITIBANK, N.A. (KY)

I would like assistance with a dispute of charges that I filed on XX/XX/XXXX due to fraudulent charges on my credit card. The charges accrued on XX/XX/XXXX at XXXX 'XXXX  XXXX XXXX  XXXX in XXXX KY {$130.00}, {$97.00}, {$77.00}, and {$65.00} for a total of {$370.00} all at this same restaurant. I have called Citi several times to try to get updated information for the dispute. The charges are still on my balance with no refund. My last call was made today due to needing advice. I want to close my card because of how this has been handled and I was told that I could leave the balance that is being disputed and I would not be charged a late fee, or reported to the credit reporting agencies as late by Citi, which is fine, but I would like a letter in writing stating this. No one can provide it nor can anyone give me a update.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

CRA placed a fraud alert on my credit report without asking me or obtain8ng my approval. Likewuse, the alert tells creditirs to call me but provides no phone number to contact me. As such, i have been denied credit, specifucally from XXXX XXXX XXXX  for this issue alone. They aporoved and were going to open my account but declined. Ecause if this alert and no way to contact me. I have tried numerous times to have it removed to no avail. This includes emails, faxes and letters vial mail with the proper request and required identification difyments. I again tried last week by facing, mailing, and trying to upload online as directed. Their online submission keeps gaving internal errors ampnd will not finess processing and submitting. Likewise, i called several times to get assistance. Im transferred and told I need special processing then h7ng up on. Ive been hung up on today by 3 representatives.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NV)

On XX/XX/XXXX, I received a notice by mail from Convergent that I owed XXXX on a bill from XXXX. They said I could discharge the debt by paying them 35 % of my total balance, or XXXX. 

Not having any issue with XXXX, I called them to inquire. They told me that we had no debt unpaid with them and that we have been a good client since XX/XX/1995. 

I called Convergent 4 times on XX/XX/XXXX to discuss this notice. Each time I was transferred to a random answering machine where I could not understand the message. Each time I called back, I was told I would be transferred to a supervisor or the proper department. 

And each time I was transferred to another anonymous answering machine.
Consumer complaint received 2019-11-13
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. (GA)

Please assist me in getting the following items corrected on my credit report : Transunion and XXXX is reporting my birth year incorrectly as XXXX. My correct birth year is XXXX. My birth date is XX/XX/XXXX. 


Incorrect Address : XXXX XXXX XXXX, Incorrect Address : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX Incorrect Employment : XXXX XXXX  XXXX Correct Employment Name : XXXX XXXX XXXX The following Accounts does not belong to me. Please remove from my credit file : XXXX - XXXX that was opened XX/XX/XXXX XXXX XXXX - XXXX with a balance of {$33000.00} ; Incorrect Balance : {$33000.00} Incorrect State : Alabama XXXX XXXX  Incorrect Monthly Payment : {$11.00} Incorrect Status : Late 120 days XX/XX/XXXX - XX/XX/XXXX ( Please tell me how this is possible..120 days every month..would the days late increase? ). This is not my account. All of a sudden since I have been disputing that this account does not belong to me and all of the information is incorrect, now it is showing I am up to date. 

Correct Balance : {$11000.00} Correct State : North Carolina Correct Monthly Payment : {$120.00} Correct Status : I was never late between XX/XX/XXXX - XX/XX/XXXX Unauthorized Inquiries reporting on my credit file : - XXXX - XXXX XXXX XXXX  - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX 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 2019-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. 
The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Reason : NOT Metro 2 Compliant there not USC 1692g compliant.
Consumer complaint received 2019-11-13
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

FCRA section 605B is very cleaner on how a CRA is supposed to act. 
Chex systems very specifically is breaking the law, on how identity theft reports are supposed to be formatted. The FTC has a specific form for identity theft that is compiled on identity theft laws. 
Chex systems feels they can add new items that the identity theft forms must contain, ie. signed manually and not electronically. 
I specifically went to the XXXX County sheriff 's department and their clerk certified, notarized and signed the police report that I had gotten from the FTC. This did not suffice and so I sent in the signature of the woman that is the head of the identity theft unit. This still did not suffice. Me the victim has to do more work because they rewrite Congress 's laws illegally and then I have to perform more duties.

I now had the senior deputy of the sheriff 's department of XXXX County and he signed it and put his badge number and his phone number on my police report and I am including that in this filing. Check systems needs to be stopped because they are making the victum more of a victim because of their unlawful and the illegal changing of the law and their policies. They have to have their policies comply with the law not change the law.
Consumer complaint received 2019-11-13
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. (NC)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
Consumer complaint received 2019-05-30
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. (NV)

I am requesting that XXXX XXXX XXXX be removed from my credit file with all 3 credit bureaus. XXXX XXXX XXXX XXXX falsified my initial credit application to get me financed. This information has been submitted to XXXX XXXX XXXX as well. And also The FTC and my attorney. I am requesting investigation and immediate removal off my credit report the dealership falsified my records by changing my monthly income of XXXX to XXXX to get me financed. According to FCRA you can not report fraudulent inaccurate information to my credit file
Consumer complaint received 2019-11-13
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 am sure you are aware that it is against the law to threaten suit without any intention of doing so. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend  yourselves.
Consumer complaint received 2019-11-13
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 — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC (PA)

Acima continues to furnish information on credit file. Company fail to comply to FCRA Guidelines. Account paid, company stated entire tradeline will be remove once satisfied. Company continues furnish information.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (IL)

I talked with a supervisor of Victoria Secret commenityy bank and they assured me they were going to fix this they never did. This is back from end of XXXX it started with the XXXX that was not supposed to be charged the supervisor said she would take it off and I assumed she did on the next month they added late charges and fees they took those off and again did not remove the XXXX and they still didnt remove it I have called and written over 20 times and no one has still fixed this now it is saying I owe XXXX and I paid XXXX in XXXX and she said she will take off the XXXX and any charges as this needs to be corrected I need help card ending XXXX
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian Credit Report Number : XXXX Name of Court and Address is incorrect, it is currently listed as US BKPT CT GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Proper address is : United States Bankruptcy Court XXXX District of Georgia XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Sent original dispute requesting they DELETE this inaccuracy however they came back as 100 % accurate and verified, the documentation I will provide shows that not true.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2019-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NJ)

I have a loan with lending club. First off, you should take a look at their banking info process ( adding my account ) It requires autopay and they have ( 2 times ) accepted my one time authorization over the phone and then fraudentently enrolled me in auto pay, resulting in OD fees with my bank. 

After I was 3 weeks late on a payment they " outsourced '' the loan and said I can not pay partial, only full payment to them. I called the outsourcing company who said they'd authorize a partial payment, it's been an entire week additional that they haven't drafted the funds, which now makes me worry that I am being reported without given the proper opportunity to reconcile the late payments as I'm a student working nights. 

Thanks
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: U.S. BANCORP (AR)

PLEASE RE-INSERT ALL MY U.S. BANK ACCOUNTS BACK ONTO MY CREDIT REPORTS, ALSO, GET A HOLD OF YOUR XXXX REPRESENTATIVE TO ASSIST YOU IN THE MANUALLY RE-INSERTION OF SAID ACCOUNTS. I NEED A LETTER FROM THEM AS SUCH. THE CREDIT FURNISHERS AND XXXX   IN DISRUPTING THE FABRIC OF FINANCIAL CREDIT APPARATUS, TRI ANGLE OF THE INDUSTRY IS AT STAKE, CRA-CREDITORS-CONSUMERS. FINALLY THE DODD FRANK ACT AND XXXX XXXX SINCE XX/XX/2015 HAS VIOLATED THE F.C.R.A. ( FACT-ACT ) AND 15 U.S.C. Section 1681g.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have written several letters listing the inaccurate information on my XXXX  XXXX XXXX account and I've asked EXPERIAN to please delete the account because it's inaccurate and in violation to the Fair Credit Report Act. 
The debt was sold to a collection agency and it's not being reported. 
The amount is inaccurate. 
The payment history is inaccurate. 
And they are still reporting new late payments on a closed account.
Consumer complaint received 2019-11-13
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: LEXISNEXIS (GA)

LEXISNEXIS, XXXX, XXXX  AND XXXX  CONTINUE TO REPORT MY BANKRUPTY INACCURATE AFTER THEY SAID IT WAS VERIFY. I SENT THEM THE COURT REPORT TO SHOW THEM IT WAS REPORTING INACCURATE I HAVE FILE SEVERAL DISPUTES WITH THEM XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 ,XX/XX/2019 WITH LEXISNEXIS