davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

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 Experian Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXX XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any XXXX. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Paid an amount of XXXX on card card due amount for XXXX XXXX XXXX  card under XXXX XXXX XXXX XXXX card XXXX. They are saying they will refund the penalty on payment of XXXX but they say no record of XXXX on XX/XX/year> from online bank payment system with my bank XXXX XXXX Bank XXXX They told me after an investigation at XXXX card payment that they are not responsible because I payment was never received by XXXX. XXXX Bank, XXXX Bank XXXX XXXX says they see it as posted ( I have a copy posted XX/XX/XXXX from same ) confirmation number XXXX from checking account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX phone XXXX.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I dont understand this new bill that has taken affect regarding lowering late charges on credit cards. I have not seen one of my cards, capital one, XXXX XXXX XXXX XXXX XXXX lower any late charges. In fact they are usually {$40.00}. Who does this apply to?? And why am I still being charges this much?
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-06
Product: Credit reporting 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. (TX)

Letters have been sent to all three bureaus with no corrective action of illegal remarks removed from credit report. 
All three bureaus submitted corrective action under FCA and USC15 codes. 

Since bureaus was notified I have been locked out online portals to submit further action against such bureaus. Any additional contact via phone line to customer support has not assisted with access to account no deletion of accounts found on report - specially XXXX. 
XXXX XXXX XXXX XXXX XXXX and Birthcertificate found on dark web. Also may have highly been impacted by late data breach : XX/XX/2024.
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: McCarthy, Burgess & Wolff, Inc. (TN)

I call this office in an effort to settle the debt in around the first week of XX/XX/XXXX. I acknowledged the debt. However I was met with harsh language and threatening comments. After much harassment and threats I made an agreement to pay {$100.00} per month starting XX/XX/XXXX.and a payment of {$60.00} in XX/XX/XXXX was agreed upon. He stated that if I break the agreement I would lose what I paid in. On Thursday XX/XX/XXXX he { XXXX XXXX } called back making threats that I need to get a lawyer and there was no agreement made, and there was nothing in writing, and that the debt was due in full that day, and no other arrangement will be accepted that it must be paid in full. He continued to be little and speak harshly to me still denying that there where any prior arrangements. 
He has made several derogatory statements making my efforts to reason with him impossible I do not want to put up with being yelled at and him raising his voice in a confrontational manner. I have never been disrespected in this manner before. Also I had a recent letter stating that I had other options of paying this debt but he refused to acknowledge the letter from the original creditor.
Consumer complaint received 2023-12-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (DC)

I was initially XXXX, XXXX, XX/XX/XXXX informed about a 10 % down payment, a 20 or 25-year term, and a repayment period per XXXX of 3 years. However, with just 6 days left until closing, Im unsure if this is appropriate or not. Wells Fargo has already deducted {$6200.00} from my account for the appraisal and other costs. Surprisingly, they are now insisting on a {$30000.00} 2nd on my DE beach property and additional down payment to cover a valuation shortfall. Beyond the concerning low appraisal, which doesn't align with property comparables bc they arent metro accessible like the property Im trying to purchase, there seems to be an unsettling pattern that puts me at a disadvantage. As an XXXX American female business owner, the persistent low appraisal raises suspicions of an ongoing tactic to extract more funds for the closing. 

I had a previous low appraisal for another property by Wells Fargo and covered the {$75000.00} and I think this same ploy is being used. 
Im supposed to close on XX/XX/XXXX please help. 
Loan # XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I pay my auto loan, mortgage and HELOC every two weeks from my bank account auto bill pay systems. Every other month I have a issue with XXXX XXXX claiming to not receive my checks and then out the blue they will process the payment. If my check is dated the XXXX of the month and I show proof that the bank mailed the check on the XXXX and XXXX find the check on someone desk on the XXXX, they will charge me a late fee without considering the facts and supporting documents. I have diligently been tryin to resolve the problem and I am not getting any response. XXXX XXXX keeps repeatedly charging me late payments and reporting to the credit bureaus that I am late on payments and I have provided supporting documents that the payments are being sent.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Someone stole my identity and opened up a checking and savings account with USAA. I called when I originally noticed ( a day after opened ). The verification question was my parents birthdays. I gave the correct ones and usaa said that is not correct. They said i can not do anything or be transferred without being confirmed its me. I described situation and offered to send any forms to prove it was me including social security card, federal and state ids or anything else. They didnt want anything bc I didnt know the security question the scammer created. I said can you at least pause the account to prevent any additional fraudulent activity or close it temporarily. They said no. I have no way to close this fraudulent account. I called them XXXX  times now. I am so frustrated and just want the account closed because its not me. They can not and will not do anything to move this along. I have recording of usaa person saying everything stated above.
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I availed of the Secured Card service from Bank of America Financial Center at XXXX, Connecticut. Their branch address is XXXX XXXX XXXX, XXXX, CT XXXX XXXX Its a Debit Card which required me to deposit XXXXUSD of which i believe XXXXUSD has been set as the credit limit and XXXX USD as security deposit. 

Me and my daugther came back to the US on XXXX XXXX, 2014. i first experienced the issue of not being able to use my card and the online banking days after we arrived. After experiencing more of it i started to call them and made several calls to their costumer service hotline to inquire about about the problem, but the service representative 's answer is that they are not authorized to handle the problem. So i went to the branch where i opened the account and asked them for the reason behind the issue i was experiencing but they told me that only the credit department can resolve this. I made several successful calls with their credit department but they too could not explain why i could n't use my card and online account. It took several months until i finally decided to close the account. I remembered being refunded my security deposit. 

A couple of weeks later i saw a zero deposit promo from XXXX XXXX XXXX XXXX if you open a savings account with them. So i met with one of their account managers, as one of their requirement they told me that they have to run my credit history. so i agreed. This is the very reason for my complaint - the credit history contained a report from BOA - " Gross Abuse of the account " and that it says that i have a balance of 200 something. Right after i saw the report and being denied of the service, i went to the nearest BOA branch in XXXX CT. I asked them if they can check their system if i have an outstanding balance, the teller check but she could n't find my account since i already closed it weeks before. I was hoping to get a collection notice from BOA but not a single one came and yet everytime i call their hotline they always say that they ca n't handle it since i no longer have an account with them. It is because of this report that i was not able to open any account from any banking institution since 2014. Until this time no one from back of america can answer me why i have that comment in my credit report. I should n't even have any balance since it was a debit card, and i why was i refunded of my deposit if i had an outstanding balance.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXXClosed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXXCreditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed DateXX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00}XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} XXXXighest Balance {$2200.00}
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

The student loan was through bank of America acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX  by the following agencies are out of date or inaccurate. please fix
Consumer complaint received 2018-01-14
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. (CA)

I ordered my credit score through experian. In order to get the credit score, they make you enroll in the monthly membership for $ XXXX/Month. I only wanted my initial score. They said you could cancel at any time by calling the XXXX number. They will not transfer me to memberships and I have been on hold now for 29 minutes.
Consumer complaint received 2018-01-13
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: Experian Information Solutions Inc. (NC)

I have tried to explain to the credit bureaus I have not given the creditor nor the credit report agency permission to request my credit profile nor requested the credit reporting agencies to put this on my credit file and I have credit with none of these creditors.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After checking my current credit report, on XX/XX/XXXX I contacted Transunion again in hopes to resolve an ongoing mistake on my credit report. I was not able to fully understand the name of the person I spoke to due to it being a huge language barrier between us and as I could tell she was not a Native to the U.S. There were multiple unauthorized inquiries on my credit report that has re appeared without notice. They I was notified originally during two separate system breaches that the inquiries had appeared ( one in XX/XX/XXXX and also again in XX/XX/XXXX ). I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX DOB : XX/XX/XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, XXXX XXXX XXXX wrote the debt off on their taxes and received a profit ... ... ... ... ... ... ..... 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info ... ......

... ... ... ... ... ... ... ... ... ... ... ... ......

12 CFR 1006.34c, Notice For Validations Of Debt ... ...... 
... ... ... ... ... ... ... ... ... ... ... ... ..... 
I am exercising my rights under the FDCPA to request the following information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is authorized to collect on behalf of the XXXX XXXX XXXX. 
3. Profit/Loss Statement of 1099c 4. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Proof that XXXX XXXX XXXX " securitized '' the debt. 
XXXX. Documentation showing the assignments of the debt from XXXX XXXX XXXX to the Secured Trust and then back to XXXXXXXX XXXX XXXX XXXX 
XXXX. A contract between myself ( XXXX XXXX ) and Professional Credit Management that bears my signature wherein I agreed to pay XXXX XXXX XXXX ( & XXXX XXXX XXXX XXXX 
XXXX. The amount paid to purchase this debt from XXXX XXXX XXXX. 
XXXX. The 1099c, since this debt has been charged off, written off.

10. The authorized printed and signed signature of XXXX XXXX XXXX and XXXX XXXX XXXX. 
... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
I am demanding that XXXX XXXX XXXX  " DO NOT '' send me a printed computer generated statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( XXXX ), 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 reseller. 

XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX MTG XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.