davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I had a joint credit card with another person thru wells fargo bank, this other person had a problem with this band and closed all his accounts and they closed the credit card, they didn't consult me or inform me of them closing this credit card, I placed a call and they told me there was nothing that could be done. even though all the charges on this credit were not mine, I continue paying on the credit on time, there was never a late on this account for the past year or so. 

On XXXX the XXXX of XXXX, I tried logging on to my online banking at wells fargo to make my usual payment towards this credit card and discovered that the account had been removed form my online banking, without any notice whatsoever. I call and was send over to the bankruptcy department. they refuse to give any information. I kept calling to get information on the account until finally on XX/XX/XXXX I was able to get information form the credit card department. they told me that the account was in charged off and she couldn't access the account. I responded that I needed to make a payment on the account and I didn't wanted to be late. she gave me an address and told me to send the payment there. at that point didn't want any more problems with this credit card and I manage to put enough money together to pay it off, and I did I send them the whole amount and paid it off completely on XX/XX/XXXX. 

Until today the account still shows delinquent and charge off on my account. every time I contact wells fargo they tell me there is nothing they can do. I want as far as requesting a credit report from XXXX on this account and it shows all payment where made on time. 

My credit score before this problem was in the mid 700 and know is in the mid 600. this problem is affecting me greatly and I want all this removed from my credit report, because all the information that wells fargo reported is totally incorrect. 

I was in the middle of purchasing a home and know I had to put everything on hold because of wells fargo not reporting information correctly.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law .I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-09
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. (GA)

Equifax is refusing to fix errors and fraudulent information on my credit report. I have been disputing these items for 6 months and they have not responded to any of my requests and keep sending me postcards stating they are unable to locate my file although I have a full credit file with Equifax. In addition, I have provided identity verification each time I requested Equifax to verify the accuracy of items that were reported inaccurately on my Equifax credit file. Equifax has refused to process my disputes I have provided Equifax my police report and they have violated federal laws by not responding to my credit dispute yet continually sending postcards stating I don't have a credit file Equifax is violating federal section 623 guidelines related to furnishers of information. The below accounts are fraudulent and by law should be blocked from my file immediately, In addition, these items are listed in an identity theft report with the police department Fraudulent Accounts : XXXX Original creditor : XXXX XXXX XXXX XXXX amount {$330.00} ( Medical ) XXXX XXXX XXXX {$6500.00} XXXX XXXX $ {$20000.00} These accounts were listed in 6 separate dispute letters to Equifax that they failed to investigate and they have continued to not investigate action has to be taken against this organization to get them to follow the laws.
Consumer complaint received 2021-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This company isnt complying with its own Policy in a timely manner, they've had more 30days to respond, i sent out a letter on XX/XX/2021, and im requesting all items involved be permanently deleted from my consumer report
Consumer complaint received 2020-07-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a {$21000.00} CD with Capital One Bank. I asked that the CD funds be returned to me when the CD period ended, on XX/XX/2020. They have not returned my funds to me. I have spent about 6 hours on the phone with the bank. They initially told me the funds would be transferred into an account I have at the bank ; then that the bank was incapable of transferring the funds to an account at their own bank ; then that a check had been mailed, then that a check had not been mailed but would be and I would receive it in 7-10 business days. I still don't have my funds. They are now asking me to submit an affidavit, attesting to the fact that I have not received the funds, however, they have not provided me with the form of affidavit or where to send it. I now must retain an attorney and commence a legal action, which will likely cost me thousands of dollars and take an extended period of time. All of this to obtain funds I deposited with this bank in the naive belief, I guess, that it would be simple to recover these funds when my CD period ended. I am not a conspiracy theorist, but I have come to believe the bank is intent on simply stealing my money. And I am a sophisticated consumer, with a XXXX XXXX. I can't imagine what this bank does do people with fewer resources. Nor is this some minor fly-by-night operation. This is Capital One Bank!

The only way to communicate with Capital One Bank is by phone. The average hold time is 25 minutes. I asked to talk to a supervisor. The hold time was 50 minutes. The bank sent me a letter telling me my CD had been redeemed. But they have not sent my any of my money. 

My name is XXXX XXXX. My email address is XXXX. My phone number is XXXX. My mailing address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The last four digits of the CD are XXXX.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

I recently realized that between a billing error on XXXX 's part and other billing errors, that I was being charged amounts that did not add up to the amounts I owed and/or that I needed to cancel payments because I was entitled to dispute and not pay for a service even at the cost of the service so I could have my money back. Essentially, TD Bank is trying to force me to pay amounts for services that are unreasonable and reverses any dispute if it turns out I had the card in my possession not whether the transaction itself is valid.
Consumer complaint received 2020-07-08
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. (DC)

2. I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX XXXX 01 XXXX XXXX 01 XXXX XXXX XXXX XXXX 01 XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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: Credit Karma (CA)

In XXXX if 2022 I applied for a loan I was directed to sign up with credit karma to get a credit score from report and I had to pay membership fee XXXX is a charge that was imposed on me as a condition to get loan and that's unlawful. Then every day I would get emails saying I was approved. My credit was accepted I can access funds or approved for credit card {$10000.00} line of credit. And each time I log in the accept the offer I fill out another application and get denied. My XXXX XXXX is destroyed XXXX it was XXXX. XXXX points. My stress level is through the roof. I was set on paying off my debt and taking family on a small vacation. Now they think I'm a loser for say I would vacation with them. Now I don't know how I'm to survive. I am sick to my stomach with anxiety every time the XXXX ask my. The pre approved and accepted emails are deceptive and misleading. They clearly say I can log in and receive funds. I've been shamed. They should compensate me. And I can't wait XXXX or XXXX months.
Consumer complaint received 2022-07-14
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
. Did not consent to unauthorized inquirXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Validate Account Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

To whom it may concern, Freedom Mortgage claims two recent late payments for XXXX and XXXX of XXXX in my credit report. Nonetheless, these two payments were made and received ON TIME as shown in my attached payment history. However, in both instances, the payment amount was incorrect by less than {$60.00} due to a recent change in my escrow account calculations. Freedom Mortgage did not apply the payments received to my account or notified me in a timely manner of this change in escrow. Upon realizing the discrepancy, I reached out to them and made the necessary payments to cover the difference between the payment made and the new amount ; and they refunded/waived late fees on the account as a courtesy. 

On XX/XX/2023, I received notification from all 3 credit bureaus claiming that I had two late payments on my Freedom Mortgage account, even though I assumed this matter had been resolved. I contacted Freedom Mortgage immediately and spoke to a representative who failed to understand the situation and provided no resolution. I am a XXXX XXXX XXXX and do not this deserve this kind of treatment from this company. This practice is not in my best interest or that of any other military veteran. I have never made a late payment and now my credit rating has dropped significantly over a {$60.00} error. I am faithfully reaching out to you in hopes that you can reach out to them and this can be resolved without any further incident. I thank you in advance for your consideration and time regarding this urgent matter. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America received a garnishment request from The State of NC Department of Revenue for {$1500.00}. The request was dated XX/XX/XXXX! 

BofA placed a hold on all of my accounts ( XXXX accounts ) on XXXX. When the hold was placed only 3 of my 5 accounts had funds available ( {$53.00} ; {$0.00} and {$450.00} ) which was withheld. BofA then placed a {$1000.00} hold for the remaining amount of the garnishment on each my accounts. This caused each of my accounts to be negative- {$1000.00} ( - {$5200.00} total amount negative across all 5 accounts ). 

On XX/XX/XXXX I had direct deposits from my employer totaling {$2700.00} credit my account. I have been receiving these direct deposit for over 3 years and have never had issues with them being returned. I called the bank to see when the remainder of my funds would be released because there was more than enough funds to cover the entire garnishment order from The State of NC and was ultimately told that it could take 10 days for the hold to be removed.

I asked several times if I could speak with someone in the legal department and was told they didnt take calls. I then asked to speak with a supervisor who told me that it could take 10 days for my funds to be released as the bank had a legal order they had to follow because they had to chase me down for money and I dont pay my bills. The supervisor acknowledged that BofA was knowingly and willingly withholding more funds that what was requested on the garnishment but that it was a process that needed to be followed for the hold to be released. I asked if the process could be done today and was told no. 

It does not sit well with me that BofA will uphold their duty legally with The State of NC but not uphold the legal duty they have with me as a consumer.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IA)

Experian has shown a credit score for me between 790 and 820 for many years. In 2022 they reported as usual until XXXX. Then their " alert '' on their website ( which I normally do not visit ) said " No FICO score found. '' In XXXX my score was back to normal at XXXX. In XXXX again " No FICO score found. '' I was unaware of this because they did not notify me by any other means ( apart from the " alerts '' that I can't see unless I log in to my account on the Experian site ) and I never have a reason to go to the Experian website. Today, XX/XX/2022, my bank happened to make a credit enquiry and Experian told them that my credit score was XXXX and that I did not have enough information for a credit history. My bank advised me to contact Experian becuase of potential fraud. My trying to contact Experian was a futile waste of time. I tried phone but could not get past the recorded messages. I tried chat agents but they are not available. I tried writing to them and the very form they make available on their site warns that it will be some time before I get a response. In the mean time, their incorrect information has the potential to damage my relationships with financial institutions and is hindering my ability to conduct business with my own bank of 35 years.
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)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-09-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (GA)

The Customer Service just says " TOUGH '' it is an " INTEREST FIRST '' LOAN. All normal loans and mortgages are Interest FIRST. That is STANDARD... and I pay EXTRA ON ALL OF THEM.

I want to pay the Principle down so I am not STUCK with YEARS AND YEARS of Interest payments, I even asked HOW MUCH the interest total on the loan ( truth in lending law ) and they won't put an amount on it. They just say " we can't know until you are paying it out. So the 1.99 % interest is a scam. They refuse to allow me to make extra payments over and above the AGREED AMOUNT and no matter what I pay a month ... it goes to INTEREST and a pittance goes to the principle. In XXXX XXXX and having owned a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... I have never seen a loan like this ... it is loan sharking. 

Several Attorneys General in several States already are SUING THEM. They are Loan Sharking.
Consumer complaint received 2023-04-14
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. (NC)

In accordance with the Fair Credit reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 15.U.S.C. 1681 Section 602 A. States I have a right to privacy.

15.U.S.C. 1681 Section 604 A Section:2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15.U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more then seven years.

15.U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (FL)

When I reinvestigated my credit report, I realized that there is an account which is erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$20000.00}