davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (TX)

On XXXX I tried to pay off a balance on my XXXX  with an offer from my Barclays card. There were two offers, one was 3 % and no interest until XX/XX/XXXX and the other was for 4 % and a 17 % immediate interest. My intention was to do the first. I went to make the transfer of XXXX and nothing came up and said the transfer went through. So I did it again, the second time it said the transfer was successful. I went only Barclays card and it now showed two transfers of XXXX and two fees. One for {$170.00} and the other for {$130.00}. I immediately contacted Barclays, the man I spoke to set me to Carnival, because it is a carnival card. I thought this to be strange. Carnival was just as lost as I was. I called Barclays back and got a different person, he listened to me and told me that he would cancel both transfers. He assured me that this would be taken care of in 48hrs. On XX/XX/XXXX, I looked at my online statement to make sure that this was taken care of. I now had a balance of {$9200.00}. Which is the two balance transfers and the fees. Also, my XXXX was not paid off. This amount would have paid off my XXXX card and left a credit of XXXX. I called Barclays and got nowhere with them. They dont want to speak with you and the supervisors are busy. They asked me for my XXXX number, I said I dont want the money transferred, so there Is no need for you to have that. If you dont have that, how can you possibly have billed me. So now I went from a credit card with a {$4400.00} balance to two credit cards, one with a {$4400.00} balance and one with a fraudulent XXXX balance.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have a lot of unidentified inquires on my credit report and it is causing harm to my credit i have a lot of hard inquires and other types of inquiries. some are for XXXX XXXX XXXX and XXXX
Consumer complaint received 2022-08-05
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 XXXXXXXX XXXXXXXX Act. # XXXX, XXXX XXXX Act. # XXXX and XXXX XXXX Act. # XXXX have 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 15 U.S. Code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (SD)

Was threatened to be reported to XXXX for a very old Wells Fargo account- said they had communicated by mail previously and must have been overlooked by me. Very immediate response required for an acct that is extremely dated - Phone calls from nbrs suspected in scam calls - letter sent from an address that doesnt pull up in XXXX XXXX in Delaware XXXX It seems there have been many complaints about similar communication.
Consumer complaint received 2022-08-05
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-05
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. (NJ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I have a small business account ( self employed ) with Wells Fargo and use Mobile Deposit since I'm a XXXX and due to my work schedule. On XX/XX/22, I made a mobile deposit of {$490.00} with a check from my client XXXX XXXX XXXX and XXXX XXXX drawn on their line of credit with XXXX XXXX XXXX. The routing # of the XXXX XXXX is XXXX and the account on the check is XXXX. Then on XX/XX/22, we were notified the above referenced {$490.00} was returned for the reason of Account XXXX. After contacting my client, I was informed that their banker at the XXXX XXXX XXXX advised them that Wells Fargo coded the incorrect account number XXXX when sending the nightly file that night. Wells Fargo transposed the last XXXX numbers. My wife having been a banker for 30 years called Wells Fargo about the coding error/returned check. They could not help since the staff in the Customer Service area have not access to the processing reports for these transactions nor can they call their XXXX XXXX department for assistance with this error. 
Since I constantly get draws for my work from this client, Wells Fargo has coded my account with a message of " Unusual Account Activity '' especially when I deposit checks from this client 's XXXX XXXX line of credit. 
Now on XX/XX/22, I made a mobile deposit of {$7100.00} from the same above referenced account XXXX at XXXX XXXX XXXX and received notification of a hold saying it would be released on XX/XX/22. When I check my account on XX/XX/22, I noticed Wells Fargo made a Mobile Deposit Adjustment of {$7100.00} on XX/XX/22 which is the same day I made my deposit. I received nothing in writing ( email ) about this adjustment. When I called their customer service this morning, at first the girl said it was returned ( impossible on the same day ). XXXX reason for the return was given but she changed the reason to " Uncollected Funds ''. I thought banks were to notify you in writing ( email ) of returns?? Also, if they called this XXXX XXXX, I had explained to them earlier, XXXX of XXXX at theses smaller credit unions or banks are pulled up with an entirely different account number then what is listed on the bottom of the checks. Evidently, there was a communication issue with the staff at Wells Fargo and the XXXX XXXX XXXX. My client showed me his available balance in his XXXX of XXXX and the funds were good. 
This all started due to Wells Fargo making an error in the beginning and now I'm suffering and my client 's feel like the burden is on them when it should be Wells Fargo. 
I truly believe Wells Fargo did not follow federal deposit regulations in how they handled the last deposit of {$7100.00} and the reversal of the deposit on my account. They owe me an explanation and I believe Wells Fargo should face some kind of monetary fine issued by and paid to their federal regulator for this blatant error. 
XXXX XXXX XXXX cell XXXX
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2022 and 60 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2022-08-05
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: World Omni Financial Corp. (AL)

This company has fraudulently opened and sustained an account under my name. The company was unable to verify any correct information and also funded this account under a false dealership name. This account is fraudulent and not a result of any transaction made by me the consumer!
Consumer complaint received 2022-08-05
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. (CA)

On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports
Consumer complaint received 2022-08-05
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. (AR)

I was affected by Equifax fraudulent practices, they assumed a vital role in evaluating my credit report and they didn't have my consent or my permission to do so per 15 USC 1681 A. They were unfair, partial and didn't not respect my privacy with grave responsibility that they assumed themselves.
Consumer complaint received 2022-08-03
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. (PA)

Dear I have been a XXXX XXXX customer since 2021 and during that time, I have enjoyed my experience with COMPANY NAME greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced account that date back to 2021. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of was robbed. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that your is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply. 


Sincerely,
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX Balance Owed : {$11.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022 I sent in a Tender for Payment using a coupon or whats known as a Negotiable Instrument. This instrument was signed and endorsed according to Uniform Commercial Code 3-603. I stated in the letter attached to the payment that if the tender was rejected, to please send it back and I would supply another form of payment. Instead of acting in good faith, Capital One closed my account and gave a very vague reason as to why. They also did not mail back my tender for payment. since the Tender for payment was not given back to me, to my knowledge is has been accepted, Therefore i would the amount tendered to be credited to my account as well as reopening my account or a new one. 

On XXXX, XXXX 2022 is sent out a Opportunity to Cure Tender for payment letter which they still have not replied to.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried contacting Transunion and XXXX in regards to fixing the technical issues in my online accounts and they have failed to fix my issues. 

At the moment I am not able to see my free report, manage alers & freeze my report!!! I have called multiple times and have received responses that are a complete lie! 
Multiple representative have told me that it would be fixed in 24-48 hrs, some have told me that they would have an agent call me to fix my issues but so far NONE OF IT HAS BEEN THE TRUTH. I am unable to manage my freeze, see scores and manage my alerts!! I have zero control of my report which is affecting me and violating my consumer rights! Fix this issue ASAP
Consumer complaint received 2022-08-05
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. (NY)

XXXX XXXX- this account has been disputed before yet these bureaus come back with " accurate ''. This can not be the case since I have my most recent report which shows XXXX showing NO LATES ; XXXX  showing 2 lates on XX/XX/XXXX & XX/XX/XXXX ; XXXX showing lates XX/XX/XXXX & XX/XX/XXXX All three credit bureaus are reporting different information for this account. Since I have disputed the account before and got a generic response back I am demanding the immediate deletion of this account for the credit bureaus failure to do a proper investigation and continuing to report different information regarding the same account.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group (GA)

PAY ATTENTION CFPB first, Phoenix Recovery responded and said they attached documentation that was not included. When I followed up, they sent incomplete information. For a contract to be considered legally binding, you must produce the entire contract. A portion of a contract can not be enforced on its own as the reader has no idea of the contents and terms of the undisclosed portion. Without producing Pages 2-7 of the contract, I have no idea what the terms of the contract are. Without pages 2-7, PRG does not have an enforceable contract and therefore is not entitled to collect on an unenforceable contract, and I demand that they immediately remove this account from the credit bureau reported as you have not established a legal right to collect any debt. Your refusal to comply with my request to remove the account from credit bureau reporting may make you liable for additional willful or negligent FCRA violations under Sec 616 and 617. I also noticed the account number was changed from XXXX to XXXX, which seems to be an attempt to re-age the account. That has to be an FCRA or FDCPA violation and an attempt to manipulate the reported information!
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE NOT BEEN ABLE TO VIEW MY TRANSUNION CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON TRANSUNIONS SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-08-03
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)

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 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 delete : XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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. (CA)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX XXXX Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Employer : XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DP OF EDUC XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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. (FL)

I sent a letter off on XX/XX/2022 and also tried to dispute it via website. Here is the tracking # 's XXXX, & XXXXTo remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681 I have the right to privacy. Also according to 15 U.S.C 6802. No financial institution is not allowed to share my information to a third party. 

These are clear violations of my federally protected consumer rights. 

I also completed completed a identity theft.gov complaint. Confirmation # XXXX.