davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent a letter to XXXX XXXX  disputing a late payment on my credit card due to hardships. I asked them to make a goodwill adjustment as my credit balance is XXXX and I am a customer in good faith. They are reluctant to work with me as I have shown good stewardship as a cardholder.
Consumer complaint received 2023-01-12
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)

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-01-12
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-24
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. (OH)

I was going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am filing a complaint with the XXXX Police Dept as well.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (SC)

We were set to close on a condo on XX/XX/XXXX. I unknowingly transferred our closing funds to a 3rd party account due to an elaborate email scam. I thought I was wiring the funds to our closing attorney.

My money was wired from my XXXX XXXX XXXXXXXX checking account. The receiving bank is Truist Bank. The woman who's account my money is sitting was also the victim of a scam, seemingly an online dating scam. 

I know my money is frozen at Truist Bank, but neither bank will cooperate in returning my money. Truist is holding my money XXXX and XXXX XXXX  XXXX continues to XXXX to me every time I call.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (IN)

I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXX/ XXXX / XX/XX/2022
Consumer complaint received 2022-04-04
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. (FL)

In accordance with the Fair Credit Reporting act .... 

XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # 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 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
Consumer complaint received 2022-04-04
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. (KS)

It has been 270 days of me going back in fourth with Equifax on items on my credit report that are reporting falsely. And this has been a huge problem on both my credit score and my mental health. I know Equifax has taken on the role of being the authority company on everything financial. And they are failing to accurately perform their job, which is seriously hurting me. Their job is to report accurate information, and they have failed me on that. Further more when i send in a investigation request they completely ignore my concerns and keep me left in the dark on their investigation. They never provided me with their sources on how they are verifying the information either. They just continue to report this stuff. I know for a fact they haven't investigated it because the info is WRONG. They are violating me and they are doing so knowingly and willingly. Whatever system they use to investigate is failing the consumers and American people. They have a huge responsibility here and it doesn't seem like they care at all.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I want this late payment deleted from my account within XXXX XXXX, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account XXXX : XXXX
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (DE)

I have been a customer of M & T Bank for 11 years. I have had 9 accounts with them. Some trust accounts and some LLC accounts, as well as some accounts where I am listed as power of attorney. 
For all of this time, every few months, I would email my banking representative at their bank and request a reversal of the service charges to my LLC accounts ( 4 accounts total ). They would immediately reverse the last 3-4 months of charges. 
Suddenly, when I emailed my banking representative on XXXX XXXX, XXXX, she told me that was not the policy ( note : she didn't say that was no longer the policy, rather that it had never been their policy ). I was quite surprised. 
As a result of the bank representative 's surprising notification, I informed the bank in writing of the following requests : - refund of the services charges until the date that they decided not to refund any longer - notification in writing of the change in policy - notification in writing of a start date of the new policy so that I can decide whether to remain with the bank or change banks- providing me with the new terms of my accounts in writing- the minimum required to avoid services charges, for example. 
Her branch manager and the regional manager both told me that they will not refund any money to me for the service charges suddenly charged. Though I have repeatedly requested a copy of the new terms of the accounts, they have both refused to provide them to me in writing and have not provided them to me in writing. They have told me orally, though once I was told by the branch manager that she will not tell me the minimum required in the accounts. 

I am writing to request a refund of {$62.00} which is the amount of service charges which were charged that should not have been charged without notification in writing of the change in policy. 

Note : I have closed all accounts with the bank except for the accounts on which I am listed as a power of attorney. 

Note : The bank claims there was no change in policy, rather merely a decision to enforce a policy that already existed. I claim that in and of itself is a change in policy and required notification in writing prior to enforcing the policy they claim already existed. 

Note : The branch manager told me in XXXX that they would not be reversing charges anymore. But then my banking representative did reverse the charges regularly to date, so I thought she was mistaken.
Consumer complaint received 2023-01-12
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: WELLS FARGO & COMPANY (CA)

Hello. 
I have been a customer at Wells Fargo XXXX XXXX XXXX. Been over 20 years. 

Always paying on time No late fees Always having credit in my credit card But The in XXXX and XXXX my card was stolen twice, once it was In car and once my wallet completely was gone I contacted Wells Fargo and they told me there was two purchases of XXXX and XXXX on the card. 

So they opened a lost card claim and helped me. 
I got a letter said the claim has been resolved and fixed the issue and it was in my favor. 

Two weeks later, I check my card and the dispute for reversed because they believe that the dispute wasnt fraud because it happened at the same place. 

I have called them and tried to work things with them explaining how is it my fault, its life and anything is possible but they refuse to help me.
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (NC)

I am a XXXX person I have state XXXX in 2017 I went to a XXXX XXXX XXXX why the XXXX was not charged and now they keep harassing me with that account if it is my fault
Consumer complaint received 2021-06-15
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)

I have contacted Each company on many times to verify the incorrect and inaccurate information on my credit report. The following personal information is incorrect and should be removed from my credit report Previous Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Name : XXXX XXXX XXXX The following information is not mines and should be removed. 
XXXX XXXXt XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX XXXX XXXXT XXXX - XXXX XXXX Account Number : XXXX -Account number- XXXX -Account number- XXXX -XXXX XXXX I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and still no response or update. the following items should be investigated please removed from my credit report.
Consumer complaint received 2022-04-04
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. (ME)

In accordance with The Fair Credit Reporting act XXXX XXXX, XXXX account number 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 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX 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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

I am now 6 months into the process of trying to gain access back to my account. This is the 2nd report I have filed. Some while ago, I was given a notice that my account was locked and that I no longer have access until I can confirm fraudulent activity. I followed their instructions on submitting the necessary and proper documentation to validate my account. That paperwork was all properly submitted over a month ago. The representative in charge of my case does not answer the phone. It has now been 6 months and I have not had access to my account.
Consumer complaint received 2022-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (FL)

Good Day, Ive made multiple attempts for weeks now to try and resolve this debt and XXXX in collections does not return voicemails. In addition her supervisor XXXX who is very unprofessional called my husband from his own personal cellphone threatening him. We have the call logs to prove. Your collections department has been by far the most disrespectful and unprofessional department Ive ever communicated with. I called again today so settle my debts due to experiencing a financial hardship and they are unable to settle for less than the full balance even though I received an email that expired on XXXX offering to settle for {$630.00}. We just want to settle this debt and move on but we dont trust or want to deal with anyone from your collections department. My husband has already taken the appropriate action to move forward against the threats form your office supervisor XXXX.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-04
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

We trade our car with a dealer. They sent the check to the bank chase to the full payment department, for the total amount. This was sent on XXXX XX/XX/XXXX, overnight payment. We contacted the bank and the answer is that they receive the check but until they dont found the check cant be applied. And we talk with 3 different persons no one give an answer the check was misplaced, we have to do the monthly payment and no one give an answer about where is the check or how to post this in our account Chase first call Monday XX/XX/XXXX 3different agents XX/XX/XXXX at XXXX am Im still on the call after 54 minutes The supervisor is extremely rude, disrespectful and giving answers that are not true
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (FL)

I had a promotional plan with a credit card issued by Comenity Capital Bank that I paid off prior to its expiration date of XX/XX/00. Their system did not apply my payments to the promotion plan even though I spoke to their representatives each time to make sure it would, and was told the system bounced them out. Since then I have called, written and emailed them to get this straightened out and keep getting monthly finance charges on the promotion I fully paid off. All I get is a form letter stating basically there is nothing they ca do. I have documentation to prove payments were made but no one will look at it.