davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

have contacted trans union on multiple occasions with the last person i talked to was named XXXX and the issue on the acct with XXXX XXXX XXXX ending in XXXX was not changed to show paid acct with no charge off status past or present and no late payments. the acct was closed and paid in full as of XX/XX/2017. i have sent all documentation to the many times but they will not follow federal law and correct the info. they are in non compliance of law. the info sent is attached
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted US Bank and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XX/XX/XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted US Bank 4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a letter.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waterfall Revenue Group (NJ)

There is an amount that is appearing on my credit report from XXXX XXXX XXXX with account # XXXX for XXXX XXXX. I have never done business with either of these companies. I need company to provide me with written contract or deal that I sign with them or otherwise please have this remove from my credit report.
Consumer complaint received 2019-01-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF HAWAII CORPORATION (HI)

My checking account was garnished in the amount of {$9500.00} on XX/XX/19, the day my financial student aid was deposited. Bank of Hawaii honored that judgement. Federal law exempts student financial aid, student loans ans SSI from  garnishment. These are my only source of income and no other money is in my account.
Consumer complaint received 2019-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery is trying to recover a credit card debit when the Statute of Limitations has expired in Tennessee. Also the debit was discharged in a bankruptcy. I have told the company to stop calling me at least 5 times. I explained them the SOL in TN and the refuse to stop harassing me. Also they are in violation because they are concealing their identity when they call. They have called me more than 20 times that I have documented. All the calls are from different phone numbers that are not listed. This is a violation of the FDCPA. They have even called me from a phone number that is close to my own cell phone number. I do not owe this debt and I am being harassed from this company! I have added only 2 screenshots of comcealed identity phone numbers they are using.
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These following late accounts should be corrected right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AZ)

Lvnv Funding Llc is claiming that I owe {$430.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Lvnv is  what they say is the original creditor. They wouldn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill, how am I going to pay the balance.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (FL)

AidVantage XXXX : XXXX It has come to my attention that negative items are being reported on my credit to XXXX, XXXX, XXXX, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I write this letter with deep concern and dissatisfaction regarding the responses provided by Equifax to my complaint. It is distressing to note that Equifax has failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXX XXXX 's failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the Equifax credit bureau 's response exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX 's untimely response. I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. 

Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that I have also filed a complaint with the District of Columbia Attorney General Office because Equifax 's repeated failure ( 4 complaints ) to address my concerns transparently and adequately. I will not hesitate to escalate this matter further to other relevant regulatory authorities and consumer advocacy groups up to and including legal action. Your immediate attention to this issue is expected and appreciated.
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Hi, On XX/XX/2017 I tried to log into my wells fargo account. To my knowledge nothing had changed with my password or account name. The company deleted my password without informing me. They claim they updated there computer system and wiped out millions of user passwords. They never informed me by email or conventional mail or even in my bill. Most companies when they do this have a massive data breech and fail to inform there customers. The law is N.Y. Gen. Bus. Law 899-AA, N.Y. State Tech. Law 208.  I asked if this happened and they won't tell me. Can you please find out, My data is important to me and I want to be informed like the law states when Wells Fargo has one. The last data breech that they had thru a web search was on XX/XX/2017 was the size of 1.4 gb of data. I was never informed then either. So please help me find out if they are not telling me about a data breach of there system which might contain my personal information.
Consumer complaint received 2019-01-06
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: EQUIFAX, INC. (IN)

I submitted disputes via equifax.com and after receiving emails stating they have been completed, I am no longer able to access any information about my credit. I receive notices claiming my information doesnt match theirs so i can not access my account. A month ago i contacted Equifax via telephone and they ( in very broken english ) claimed their dispute program wasnt currently working. I STILL cant access my information at all. I feel like a victim of their scam. The other two reporting agencies allow me access just fine.
Consumer complaint received 2020-04-23
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: WELLS FARGO & COMPANY (TX)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about this item on my credit report - Wells Fargo Home Mortgage I wish to the original sources of the information reported including, but not limited to, the original contract with my signature.
Consumer complaint received 2019-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (CA)

On XX/XX/2018 a negative remark was placed onto my credit profile. XXXX XXXX XXXX  XXXX sent a medical bill debt to collections which i did not know i owed, nor i ever recieved a letter from XXXX XXXX XXXX XXXX stating i had a debt to pay ( {$220.00} ). They also did not call or inform me in any way that they sent my debt to a collection agency called XXXX XXXX XXXX. I realized i had this debt in collections when i tried applying for a mortgage loan, i was turned down because of negative remark on my credit profile which is affecting me in a very bad way. I looked up my credit profile and found negative remark on my profile, i contacted original issuer and they denied in trying to help me in any way.I also contacted XXXX XXXX XXXX and they did not assist me with my troubles and negative remark on credit profile. I was also not aware that original debt sold my contract onto a collection agency which they need a signature of my behalf to do so in the first place and is illegal to impact my credit score.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Ive made contact with Expiran, XXXX  and XXXX  and investigations are in place. Expiran refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.
Consumer complaint received 2019-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Renton Collections Inc. (WA)

I have disputed a XXXX  ER Bill after a minor car accident XX/XX/XXXX. XXXX claimed XXXX denied the claim and XXXX refused to resubmit to include additional detail. 

I paid the debt in full, {$480.00}, to Renton Collections by check XX/XX/XXXX. The collector assured me that a receipt would be mailed upon receipt of the payment. The check has been processed. 

I need that receipt in order to file an appeal with XXXX XXXX Medicare. As of today XX/XX/XXXX, I have received nothing.
Consumer complaint received 2019-01-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of  documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan, credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about XXXX, Experian, and XXXX Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX XXXX.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I, XXXX XXXX mailed my Goodwill Letter to Kohl 's Department Store on XXXX and never received a reply. Then I submitted a complaint through XXXX on XXXX and never received a reply from Kohl 's. My Goodwill Letter request was for Kohl 's to remove the late payment history or at least add my reason as to why I had late payments on my credit report and that not one late payment was intentional. I have attached my son 's admit and discharge date paperwork from XXXX 's XXXX XXXX XXXX, my Goodwill Letter to Kohl 's Department Store, and an image of my XXXX complaint. 
I am requesting that at least the reason why my payments were late was due to forgetfulness due to my son 's XXXX Infusion and recovery if Kohl 's will not remove my late payments from my credit report. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX Home Phone XXXX XXXX
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I filed a dispute with Fifth Third Bank, about someone within my home making several unauthorized purchases on my account unbeknownst to me. However my card came up missing or i misplaced it, thats how i noticed the unauthorized transactions viewed by my mobile banking.. The customer service rep misunderstood my statement and I had to send in an email statement with the issue at hand. They told me it was a XXXX  day wait for disputes and approval, its been over XXXX  days and they are giving me every excuse they can find to not credit me for the transactions that arent mine. Ive been a loyal customer for XXXX  years. 
I have all the transactions dates & locations wrote down i can send them in ASAP if needed..