davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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. (FL)

Information on my consumer credit report is inaccurate and unauthorized in accordance with U.S.C 15 1681 a-d. 
- Never given credit agency written authorization to place adverse info onto consumer report. 
- Docket number listing XXXX XXXX bankruptcy discharge is inaccurate - Placing such information on my report without written authorization is il

legal IAW 1681 a ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18. ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. ( 5 ) Any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I made a payment on XX/XX/2020 to my Chase Freedom credit card in the amount of $ XXXX. I have a credit limit of $ XXXX. I tried to use my credit card for a company purchase yesterday and it was declined. After I made my XXXX payment Chase immediately reduced my credit limit buy over half. They reported incorrectly to the credit bureau in XXXX. With my payment it should have been reported to the credit bureau that I was only at 50 % utilization however they reported that I was fully utilizing the card and was maxed out. They did not give me 30 days notice of the decreased credit line. I did not receive any notice whatsoever. I was only made aware once my card was declined. If I was aware that my credit line was reduced I would not have made such a large payment. I called to try and resolve and the Chase said they did not need to let me know of the reduced line of credit. They also would not report correctly to the credit bureau.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've called 4 credit bureaus including the three main ( XXXX, XXXX, TransUnion and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated.

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer rights.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX is reporting a balance on a credit card that was settled and should be reporting a {$0.00} balance and showing settles. I have reached out to them and all credit bureaus and the item continues to be verified which is not true and they are literally breaking the law by not updating this. the Account number is listed as XXXX and it is currently reporting a past due balance of {$1400.00}. So I am also confused how a charge off can report a past due balance also? Especially after this account was settled on a recorded line with XXXX and they took full payment and still have not sent me any correspondence in the mail about this as they promised on the call.
Consumer complaint received 2022-07-02
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. (TX)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2023-05-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

XX/XX/2020 I was forced to shut XXXX XXXX down due to the COVID 19 virus, XXXX XXXX ( XXXX XXXX ) was deemed nonessential by our county commissioners that made their own decisions by an order left vaguely open by Governor XXXX orders to determine whom was essential and nonessential employees or industries. 
I didnt want to fall behind on a couple of credit cards with large balances. One being XXXX. I contacted XXXX and asked if they are offering any assistance so my account does not fall behind. The women I spoke with was through a call center. For what I could understand is yes they are offering a lower payment scale and it will keep my account current as long as it is drafted out of my account automatically on a day that works for me over an 8 month period so I choose the XXXX, my original due date has always been the XXXX of every month. My original payment was {$140.00}, and as you pay the balance down the payment goes down. The representative and I discussed and agreed to split the payment in half ( {$70.00} ). As months went on and dozens of phone calls to XXXX, certified mail demanding they fix the missed payments that were in fact made on time and impossible to be late as it was auto drafted monthly. Dozens of disputes and calls to Equifax, XXXX, and XXXX and XXXX, Ive gotten nowhere. 
Ive sent copies of my payments and a 609 letter to all 3 bureaus including XXXX with fail. Please please help me fix this problem. Im trying to buy a house and with these frivolous missed payments its really hurting my payment history.
Consumer complaint received 2022-07-02
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-04-01
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because it is affecting my score negatively. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items 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 XXXX
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY (CA)

I want to file a formal complaint against Wells Fargo Bank. My issue is about their XXXX transaction. Wells Fargo is not taking any accountability on this issue. The same problem started back in XX/XX/XXXX, and it lingered until XX/XX/XXXX, and it finally got resolved. 

On Wednesday, XX/XX/XXXX, I tried to send money to a friend of mine in the amount of {$85.00} using XXXX. When I hit submit, it prompted me to validate my information. 

The same problem happened back in XX/XX/XXXX. I have already validated my information. I have had the same phone number and devise for over five years now, and nothing has changed. 
I called Wells Fargo, and nobody is taking accountability on this issue. As far as they are concerned, once the ticket is open, I will have to wait for ten days to get it resolved. Most likely, no one at the bank will call or follow up with me, and I did all the follow-ups. So, the ten days to solve their technical glitch is not valid. 
I am the one who does all the follow-ups. Otherwise, the bank will not let me know if they solve this issue or not. The bank must take the accountability and make sure the XXXX programming issue on the backend is working to avoid the same issue repeatedly. 

This is my XXXX XXXX # : XXXX. This was opened on XX/XX/XXXX. 

I appreciate you looking into this matter. 
Please advise. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLD STAR MORTGAGE FINANCIAL (OH)

Several errors were made at closing, I was mislead to believe my payment would be XXXX. 

The errors made in their favor created an illusion of the correct payment. When in fact the payment is XXXX higher than what I agreed on. 

The escrow amount was entered in wrong causing a XXXX shortage. Which they stated they would pay on XX/XX/2021 by sending me a check. 

After three attempts to get the tracking number for the check they are ignoring me. 

I can not upload the emails. Once I have an account I will be happy to upload all correspondence.
Consumer complaint received 2021-04-12
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. (MI)

these collection accounts ( XXXX XXXX -ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am XXXX XXXX and I am submitting this complaint against BANK OF AMERICA BANK OF AMERICAhas this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to BANK OF AMERICA to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND BANK OF AMERICA to delete this account/item within 4 business days ( Exhibits provided ) BANK OF AMERICA duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Consumer complaint received 2021-04-12
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. (MI)

these collection accounts ( XXXX XXXX -ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names
Consumer complaint received 2020-04-27
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. (NV)

I notice multiple accounts showing on my credit report that I never opened nor authorized. I summitted a disupte the beggining of XXXX and the company closed my complaint without investigating what I was disputing
Consumer complaint received 2022-07-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Commercial Services, Inc (VA)

This company calls my number asking for someone that I do not know & have been doing so for years. Now, it's much more frequently and they're threatening to take away the person 's driving privileges. Today, for example, they called twice within XXXX minutes of each other. I've stated to them multiple times that they have the wrong number, its harassment, and to remove my number as it's on a " Do Not Call '' list. Their call id is XXXX, their number is XXXX ext. XXXX, and the company is NCS ( National Commercial Services ).
Consumer complaint received 2019-05-21
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. (CA)

RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let it be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXX-XXXX-XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX. XXXX-XXXX-XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days but that not the case in my scenario. This company completely ignore and continue to report this fraudulent account. I am attaching herewith ; the previous dispute I sent to this company, my identity theft report from XXXX  condition and my small claims form should them fail to cooperate and abide by the law.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I made double payment by mistake i.e. over paid about {$3200.00}, 45 days ago. 

Still struggling to get my money back. Now the agent says it could take another month or so for Bank of America to complete the investigation and provide me the money back. 

Business credit card ending in XXXX.
Consumer complaint received 2022-07-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LendingPoint Holdings LLC (FL)

During the month of XX/XX/2022, I received an advertisement in the mail from a loan company by the name of " XXXX XXXX. '' The promotional material promised before entering my information into their pre-screening form that there would be no hard inquiry performed into my credit. I was not approved for credit by XXXX but then on XX/XX/XXXX I received another email suggesting that I " Check Rates At XXXX, '' a " XXXX trusted partner, '' again with the promise that it " Won't impact your credit score. '' However, after entering my information, on XX/XX/XXXX I received an email from a company called " LendingPoint LLC '' stating that they had ordered a credit report from XXXX on XX/XX/2022 regarding my " application. '' I'm not sure if LendingPoint LLC is a real company or if this is just a scam trying to steal my identity, but now I have a recent credit check showing up in my credit report, which was completely unauthorized by me. I have tried contacting XXXX directly to see what can be done, but the XXXX was unable to assist and I was unable to make human contact.