davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
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. (LA)

I disputed all of my Inquiries on my credit reports fr om  XX/XX/XXXX  and  XX/XX/XXXX  and th ey did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them.     The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance  C. C. Employment D. D. Court O rder
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

This is a follow-up to an existing complaint # XXXX. On Friday, XXXX XXXX I called in and spoke with the Well Fargo agent in charge of my complaint. I explained that I wanted to make the first payment of {$1500.00} (? ). She said she could take my payment but I had to call into a different number to make official arrangements. I said I would call the other number and make the arrangements and payment. On XXXX XXXX, I called in and entered all of my information including my account number. After reaching a live person, I was asked to provide the information again. I said I had to call back because I left the letter with my account number in my car. I called back less than 10 minutes later at XXXX and received a message that offices were closed. On XXXX XXXX I tried to call in to make a payment to the normal Wells Fargo XXXX number. I entered my information and got thru to a live person. The Wells Fargo customer service rep could not take my payment and she said I needed to be transferred. I was transferred to an automated system and tried to make a payment but at the end I received a message that this account could not be serviced and the call terminated. I then called the Wells Fargo agent in charge of my complaint ( XXXX? ) and dial her extended extension. There was no answer but I could not leave a message because her mailbox was full. All month I have maintained at least $ XXXX in my checking account so I can make multiple mortgage payments but all I get is frustrations and wasted time. If I am allowed online access to my account I can get this mortgage current within 2 months. It is unbelievable the extent that I have to go through to make a payment, instead I fall further behind in monthly payments.
Consumer complaint received 2024-10-11
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. (AK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, Equifax has clearly violated my rights under the FCRA as consumer. 
XXXX ACCOUNT # XXXX was disputed and deleted through the Consumer Finance Protection Bureau. Equifax has re-inserted this account back on my credit report without notifying me.

Under 15 USC ( B ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL ( I ) Certification of accuracy of information if any information is deleted from a consumers file pursuant to sub paragraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( II ) NOTICE TO CONSUMER If any information that has been deleted from a consumers file pursuant to sub paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( C ) PROCEDURES TO PREVENT REAPPEARANCE A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with sub paragraph ( B ) ( i ) ). 

Equifax has failed to protect my rights as a consumer. Equifax has failed to contact me 5 days before re-insertion. 

DELETE this XXXX  ACCOUNT # XXXX from my consumer report. This agency is in violation of 15 USC 1681 ( i ).

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character.

2. Negligent Enablement of Identity Fraud.

3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n .

Best Regards, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am reaching out for your help regarding the account inaccurately reported on my credit report. This issue has been harmful to my reputation, and I need your support. The way my credit report has been treated has left me in a difficult position, as the incorrect reporting has damaged my reputation. You need to clear this misleading information from my credit report.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2023-03-17
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. (GA)

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 15 USC 1681. 

has violated my rights. Or the list of inquiries : 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 1

5 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 ( 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 reseller. 

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 2023-03-17
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This may not be the proper way to address this, and I apologize if it is not. I was looking for work around the time I was XXXX XXXX XXXX XXXX in XXXX of XXXX. In XXXX, the pandemic happened. All my finances were fine, but my job search was incredibly difficult and lengthy. I kept up with all my bills for as long as I could but by the time XXXX hit, I couldn't keep up anymore. The best I could do for work at the time was to XXXX XXXX XXXX XXXX I only made $ XXXX {$1500.00} a month doing this. I worked with all my creditors throughout the pandemic however eventually, I just couldn't keep up. Fortunately, I landed a wonderful job in XX/XX/XXXX and since then have been able to meet all my obligations with ease. The purpose of this is that, to this day, my report still shows all these late payments. I tried negotiating with the credit card companies to have these removed, but they were unwilling to remove these and said the fair credit reporting act prevented them from doing so. This was Capital One that said this. I'm not sure if there is anything that can be done other than just keep making my payments on time. Prior to the pandemic, for years my credit was spot on. Since at least XXXX. I worked hard to rebuild myself after the XXXX crash in which I lost my job and my home. Which is why I was going back to school to get XXXX XXXX XXXX XXXX and eventually a XXXX XXXX XXXX. I had to reinvent myself. Thank you for your time in reading this.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PR)

In my credit these two accounts appear that are not mine and I do not recognize them. I have made multiple efforts with credit agencies. 

USAA SVG BK ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2023-03-17
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION (DC)

My Name is XXXX XXXX XXXX. My daughter XXXX XXXX XXXX Has applied for XXXX student loans for the XXXX XXXX XXXX XXXX  XXXX Semesters at The XXXX XXXX XXXX XXXX in New York, NY. 

The first loan is at a Variable Rate, and the second is at a fixed rate. ( We had a request for a 0 % interest ). I have been paying for the first loan to avoid tarnishing my credit. 

I have visited the US Department of Education to present this misleading information and signing of a loan for a student loan at a Variable rate. I have called several times to fix this matter, with no resolution, and was told : " We are the faulty party. '' 1- Why would we sign up for a variable interest rate when we want a 0 % interest? 

XXXX XXXX is a XXXX ; she has another XXXX years of school ahead, 3-Why is one loan set with a fixed rate, and can she pay for it once she has graduated? 

4-I expect the refund for the money paid to Sallie Mae effective immediately, with penalties for forgery.

5- Both loans are to be transferred to the following institution with integrity XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN. XXXX 6-Copy of all these documents have been sent to US Department of Education Office for Civil Rights XXXX XXXX XXXX Department of Education Bldg XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX NO action From This Department ) American Banker Association XXXX  Office of the President of the United States of America. 

XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, a formal letter was sent to Transunion and XXXX requesting verification of a bankruptcy appearing in my credit file. I received a letter back on XX/XX/XXXX, from Transunion indicating this bankruptcy was verified as accurate. 
On XX/XX/XXXX, I contacted the credit bureaus and spoke with a representative about the " alleged '' bankruptcy and was informed that they would reopen the investigation. 
On XX/XX/XXXX, I contacted Transunion and XXXX again to inquire about the resolution to the " alleged '' bankruptcy and was informed by XXXX XXXX at Transunion in XXXX that the bankruptcy was " verified '' by a 3rd party professional entity and that the " alleged '' bankruptcy would remain. I requested a copy of the signed " alleged '' bankruptcy petition be sent to me or whatever documents Transunion and XXXX used to verify " alleged '' bankruptcy ( because XXXX, XXXX XXXX, and XXXX are not reporting the " alleged '' bankruptcy ) and was advised they did not have actual verification documentation they could send as proof of verification. 
On XX/XX/XXXX, I mailed another letter to Transunion and XXXX requesting a copy of any documentation used to verify " alleged '' bankruptcy as this is my right as a consumer according to the FCRA Section 609.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have contacted XXXX XXXX, XXXX, XXXX, XXXX, and Experian and they refuse to remove the invalid bankruptcy on my report.
Consumer complaint received 2024-09-26
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. (NC)

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 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 informationisinaccurate.
Consumer complaint received 2023-03-17
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. (MO)

I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately. The incorrect reporting is hurting me severely.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

My credit card ( Master charge ) was charge on XX/XX/XXXX in the amount of {$6100.00}. 
On XX/XX/XXXX, by a company called WF WAYFAR I found this charge and immediate I contact the Bank ( CITIBANK ). and fill out a dispute to this charges., I was told by them that they will deal with the merchant, I have not use this card since XX/XX/2022. I was very surprised that i did not receive any alert to this charge considering the high amount of charges. 
I also call the merchant and they told me they will do an investigation.
Consumer complaint received 2023-03-17
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. (TX)

XXXX is reporting a late payment in XX/XX/2021. I have contacted XXXX and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this.
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XXXX  is saying that on  XXXX   XXXX ,   XXXX   I transfered my account to another carrier. I have not. I have been a  XXXX  customer for many years. I have asked for signed documentation stating that I transferred to another carrier. To date, I have not received a response from  XXXX  or ERC regarding this issue that has been placed on my credit report. My account is now in collections with ERC  XXXX   XXXX   XXXX   XXXX , FL for {$100.00}. I have sent all paid statements in which my bill was paid to  XXXX  each month for the year of   XXXX   showing full payment due each month.
Consumer complaint received 2023-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CT)

A loan amount was populated on my account for loan that I never received. No one from Mohela is responding to me and I can not receive the help I need to get the erroneous charges removed. This has been ongoing since XX/XX/XXXX and it is now XX/XX/XXXX. No one is calling me back.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (GA)

Two complaints. Amex is changing my interest rate retroactively on older purchases. I understand they can raise my rate at any time, but that should be the new rate on new purchases. They are changing my rate on old balances, which feels like it should not be allowed. The second, larger complaint. They have explained to me that because I am carrying a balance, I am being charged interest on purchases I make today ... starting that day. My understanding is that you get charged interest on balances that you carry over to the next statement period without paying off. They are telling me that if I make {$1000.00} of purchases, make a payment for {$1500.00}, meaning I paid for all my current purchases and paid down {$500.00} toward the old balance, I still got charged interest on the {$1000.00} of current purchases that were paid in full prior to the first payment due date after the purchases were made. If that is legal, it should not be. That is predatory. You should not be able to charge someone interest on purchases they pay off the first time you ask them for money. If I have a statement balance of {$1000.00}, and I pay {$990.00} and leave {$1.00}, I should get charged daily interest only on the {$1.00} remaining balance ; not every single purchase I make from that point forward until I pay the balance in full.
Consumer complaint received 2023-03-17
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. The List of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX  ACCOUNT # XXXX Account name : XXXX XXXX  ACCOUNT # XXXX Account name : XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Account name : XXXX XXXX/ACCOUNT # XXXX Account name : XXXXXXXX XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX/ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS