davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: WELLS FARGO & COMPANY (CA)

I have an old expired XXXX  provided by Wells Fargo Bank. It is for back child support. We thought the funds were exhausted, but got notice there is a balance of {$110.00}. I would like the balance, but the card has expired. 

I have spent over five hours today on hold. One hour this morning, and two hours twice this afternoon waiting to speak to someone about a replacement of an expired card. It is the same loop saying I am in the cue, but no one picks up. I went online to see if I could order a replacement card, but XXXX  requires replacement cards on the phone only. I can see the balance, but can not order a card. I realize it is special circumstances with Covid-19, but this many hours on hold is unacceptable. I went in person to Wells Fargo bank to ask if they can order new card or give me the balance on the card and they said no. I had to call for the replacement card. 

Thank you for any help.
Consumer complaint received 2019-07-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OUT TECH, INC. (TX)

A collection agency by name " Bureau of Account Management '' has sent me a letter for collecting debt for amount {$4600.00} on XXXX XX/XX/XXXX. This is for the medical services provider " XXXX XXXX XXXX XXXX '' for date of service on XX/XX/XXXX. 

The amount due as mentioned in the letter for {$4600.00} is incorrect. I called up the provider and had a conference call with collection agency representative on XX/XX/XXXX, where the amount due as confirmed by the provider was {$1100.00} The collection agency was supposed to send me a letter confirming the revised amount, but I did not received any letter. Instead the collection agency representative keeps calling me and leaving phone messages.
Consumer complaint received 2023-02-02
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. (IN)

Equifax credit bureau is the only credit bureau that is incorrectly reporting my XXXX XXXX business credit card. XXXX has admitted they did not apply my payment on XX/XX/22 and thus caused my account to be XXXX XXXX late. Once I showed them proof, they corrected this error. Equifax however continues to report misinformation showing the XXXX account is still late. Equifax is clearly not reporting the proper payment history from XXXXXXXX XXXX. I have documents showing indeed I paid this account on time and have never been late.
Consumer complaint received 2023-02-02
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. (FL)

I have tried to dispute an inaccurate account with Equifax several times. The account is XXXX XXXX. The account is reporting inaccurate account types, account status, opening date, high credit, credit limit, last date active, and date of last payment. Because this information does not match XXXX that means it has not been verified. I have tried to contact the company myself to verify the account. The sent me a letter stating that they would request for Equifax to delete the account. Please delete this account. Please block this account from reappearing as it is inaccurate and unverifiable. Please send me a copy of the updated credit report reflecting the deletion. I have attached a copy of my driver 's license and social security card for identity verification purposes. if you are able to contact someone to verify this account please send me the date you spoke with them, their full name, their e-mail address, the direct telephone number, their mailing address, and their fax number so that I may contact them as well. Please do not send me a generic response stating that the account has been updated or verified. Thanks for your assistance in this matter!
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

XXXX is publishing obsolete account information regarding XXXX XXXX XXXX XXXX accounts ending : 1 ) XXXX 2 ) XXXX 3 ) XXXX These accounts are old, FCRA prevents obsolete information from being published or reported if older than 7 years.
Consumer complaint received 2020-05-11
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. (GA)

XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX  XXXX XXXX  XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date :XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX    XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, I received a postcard from " XXXX '' ( who's return address is located at XXXX XXXX   XXXX, XXXX, TX XXXX ). They are asking for me to send my full name, SSN, all addresses for the past 2 years, DOB, a photo copy of my identification, and a copy of a document such as a bank statement. I have no idea who XXXX  is and even if I did, due to the Maryland stay at home order and not owning a printer or scanner, I am unable to follow up with such a request.
Consumer complaint received 2023-02-02
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. (AZ)

This is to XXXX - Equifax - and - XXXX I will put the letters here that I have sent off and nothing has been done about it and it is really annoying to not even be helped after so long. 

Please remove all of this negative information off of my credit profile. This is absolutely annoying, and it is stopping me from buying a house. I really need help and would much appreciate it if you guys took care of this for me. I just had a kid and now me and my lovely wife are trying too get a house for our little one to grow up in but this is just absolutely holding me all the way back. So please help and have a blessed one. 

to XXXX Equifax XXXX
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (VA)

I asked the credit bureaus to do a verification of some accounts on my credit report, they did and stated that everything was accurate. 
I did a research myself found improper and inaccuracies on my credit report after they did their research. 
I have attached the accounts information.. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX listed on the attachment, 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 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Unauthorized Credit Inquiries In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 



In accordance with the Fair Credit Reporting Act, XXXX 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 a account without my written instructions. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 a account without my written instructions. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately.
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LJ Ross Associates (WI)

Found out on XX/XX/2021 that LJ Ross Association had added a two debts to my credit file in the amount of XXXX and XXXX. The debt is originally from XXXX but I have no record of it and I have two insurance companies which have not been billed.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I canceled my subscription with equifax. They continuously keep attempting to charge my card. I also called and spoke to a representative on 3 different occasions and they assured me my subscription was canceled and I would no longer be charged. I used a prepaid debit card for my subscription ( thankfully ) so it's not money on there constantly. I get email notifications all the time saying they attempted to charge my card. I really feel like I'm being harassed by this company. Why won't they just accept my cancelation and stop trying to steal money from me? This company is a complete SCAM!!
Consumer complaint received 2020-05-10
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. (NY)

Dear Equifax This is a formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 

XXXX ( XX/XX/XXXX ) NA illegal inquiry removed immediately from my report XXXX  ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report XXXX ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report XXXX XXXX ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report Ive disputed these inquiries on ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) yet you verified them.
Consumer complaint received 2023-03-11
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. (TX)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX  2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXXXXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Delete this account.
Consumer complaint received 2022-09-27
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. (SC)

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. 
I need the following inquiries deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The Home Loan Expert LLC (MO)

I was in the process of refinancing my mortgage through XXXX XXXX - The Home Loan Expert, of XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX, MO XXXX, due to the low rates. I was contacted by staff member, XXXX XXXX, on XX/XX/2020 who told me that I had a good credit score of XXXX but he then advised that they could not offer me any cash-out due to the Comps they found on my home. When I asked XXXX how much they determined my home to be worth based upon the comps in my area, he told me that the owner would not allow him to provide me with that information. I was appalled by his response because as a consumer applying for a refinance, I was privy to that information. He refused to provide it. I deserve an explanation as to why I was repeatedly denied that information.
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$880.00}, XXXX : {$310.00}, 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 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 information, other than recor
ds 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.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Deposited a check from the IRS for our business tax return. Chase stated the check was fraudulent in XXXX of 2024. I have made multiple attempts to access the check or have them tell me how they came to that conclusion. I have contacted the IRS, confirmed the check is valid multiple times and been told the bank can not contact them on behalf of me. They said the bank can not hold the check and do not understand what the bank is actually doing. I have not been given a valid reason for this, and now they have closed the account and taken the remaining money from my account.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (LA)

My XX/XX/2020 was not process with the bank in time. The intrest charge resulted in {$2200.00} in intrest. I paid the XXXX. The store card is XXXX XXXX which is associated with Comenity Capital Bank
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Credit Bureaus Transunion, XXXX, and XXXX have listed on my Credit Report XXXX XXXX XXXX and original creditor XXXX XXXXXXXX XXXX in the amount of {$4.00}, XXXX. The issue is this shows opened XX/XX/XXXX and the account is OPEN and all of that is Categorically False! I have been with XXXX since XX/XX/XXXX making this debt over 7 year old which should of been removed from my Credit Report. 

These creditors/collections do this all the time, change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice in unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.
Consumer complaint received 2020-05-11
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: WELLS FARGO & COMPANY (OH)

Every time I apply for ANY credit, I am sent letters denying me however these same letters states that either a credit report was not pulled or I have a 700 plus score but yet they still deny me for ANY loan or credit application. I wrote the 3 credit bureau on XX/XX/2020 updating my legal name because I was denied credit due to " inactive file '' status. My name has a suffix behind it so I sent them my ID and other documents to provide proof of my identity and requested my credit profile show up active. I never received any correspondence from them or any notification. Further more my identity was stolen by the XXXX and I received a Notice of Data Breach. I am unsure why i am having these issues but know that I should of been offered the credit in which I had requested. I am still receiving notices that states these concerns. Your help in this matter will be greatly appreciated.
Consumer complaint received 2020-05-11
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. (PA)

EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609