davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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. (PA)

On XX/XX/XXXX My XXXX XXXX was totaled. Between The insurance company ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from XXXX XXXX stamped PAID IN FULL on XX/XX/XXXX. In XXXX I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called XXXX and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from XXXX Prior to that notice on my report. I have two letters from XXXX XXXX who informed me that as of XX/XX/XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with XXXX with no additional information.
Consumer complaint received 2023-06-15
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. (FL)

I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Following inquiries are on my report that were not applied for by me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, 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 The following employers are on my report are not accurate or current : XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX XXXX. No. XXXX. Because the past due balance reported by Transunion, XXXX and XXXX are different, which means the account has not been properly verified legally.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2023-06-15
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: CORELOGIC INC (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I lost my card and I disputed two transactions that I never made on XX/XX/XXXX with my bank Wells Fargo. 
My claim number is # XXXX, the total of the transactions was {$180.00}. One transaction was dated XX/XX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX for {$150.00} and the other transaction was dated XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  for {$29.00}. 
I never made these transactions and I received a letter from Wells Fargo stating that I or someone i know made these transactions. The letter also states that the claim will be reversed and I will be charged {$180.00} on XX/XX/XXXX.
Consumer complaint received 2023-03-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (WV)

On XX/XX/XXXX my wife contacted Truist Bank about a lien on our HELOC we have through them. When the HELOC was approved in XXXX, neither the bank nor appraiser noticed that the property linked to the HELOC was not the property that should be linked to the HELOC. We have given 2.5 acres to our daughter to build on the land that is owned outright and located on the property the lien is incorrectly on. We requested on XX/XX/XXXX that a partial release be made immediately so our daughter can move forward with her build and then have the HELOC linked to the correct piece of property. My wife and I have contacted the bank numerous times to get this resolved and never receive any information. The person we originally contacted to fix this talked to my wife once and myself once and then would not answer or return our calls. I went to the bank in person, got nowhere and then went to a different branch. It has been almost 4 months now and I am still not being given any information other than it's with the legal department. This was a mistake made by the bank and should have been corrected immediately. My daughter has been unable to move forward with her build which could have been mostly completed had it not been for the incompetency of Truist bank.
Consumer complaint received 2023-06-15
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. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Well! Wells Fargo again are practicing criminal behavior like they did years ago when they changed account # s to make it look like they had more business than they actually had so this time they are charging me for insurance when I already have insurance on my home loan they changed my loan servicer to XXXX XXXX because of the complaints I've made against them. I wish they would've changed the ELOC as well. Change it to XXXX XXXX no problem I mean i've never had any problem with them always having homeowners insurance and then now I change my homeowners insurance to go with my automobile insurance XXXX & Wells Fargo is still trying to charge me for an escrow account that is not necessary because I already had and have homeowners insurance through XXXX but they continue to try and make me pay impound account or whatever it's called the escrow account because they're taking this felonious or you know not right insurance out on that ELOC it was ELOC and I still don't know or agree with how they just arbitrarily changed it to a second mortgage but to make it seem that oh I have to pay insurance on it now. No that's not right. I've always had insurance on my house and that is covered and it is with XXXX XXXX and they got a copy of it but yet they're still trying to charge me for an escrow account that I should not be charge for Wells Fargo they are such criminals. They need to be put out of business. This is disgusting. I am a XXXX and a XXXX XXXX. I've never been treated this badly with a financing product. Whatever you wan na call it Wells Fargo R criminals I wish they would've just taken that ELOC as well over to XXXX XXXX. I want to have nothing to do with Wells Fargo and if you could help me be changed from Wells Fargo to XXXX XXXX for my ELOC as well. That is what I would like to do. Thank you. I Should not have to pay them any escrow account when I have my homeowners insurance covering both loans with homeowners insurance through XXXX Wells Fargo are criminals. I do not want to be with them they should be put out of business. They are CRIMINALS & acting w/ criminal & predatory behavior! Pls help! TY
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, XXXX and Experian Credit Bureau are violating my rights on account # XXXX. 

This is my second attempt for XXXX and Experian to correct my credit report regarding a late payment. As part of this complaint, I have attached a sworn affidavit, and I expect XXXX and the Credit bureaus to do the same as part of their investigation. 
In XX/XX/XXXX, I became aware of a need to make a payment on the above account. After attempting to make payments, the payments were not made. In XX/XX/XXXX, I made a credit to the above account of {$420.00}. After making this payment I called XXXX XXXX XXXX, and they told me that the payment of {$420.00} would not be accepted for payment towards my account. They also said that if I could make a payment of at least {$200.00}, they would make sure that I would not get a late payment. They told me to make the payment before a certain date, of which I did on XX/XX/XXXX. After this, several late fees, interest charges, and other fees were added to my account and now I have a late payment on my credit report with the credit bureaus. 
XXXX claims that all conversations are recorded when calling, so if a serious investigation was done by XXXX and the credit bureaus, they would know what I was told to do to avoid a late payment and I did it. But XXXX and the credit bureaus are still claiming that I have a late payment. 
In accordance with FCRA, 15 USC 1681s-2 ( b ), XXXX and the credit bureaus should not be " reporting information with actual knowledge of errors. '' Also, " any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' the reporting agency shall not furnish that information. 
After I was told by XXXX XXXX XXXX, as a consumer, that if I did such and such I would not be charged with a late payment, only for XXXX to do exactly that is misleading me as a consumer and their own investigations into my claim is misleading because they never mention the phone call in which they said I would not have a late payment. This alone has me believing that XXXX and the credit bureaus are not respecting me as a Consumer and violating my consumer rights with impunity. 
I would expect the Experian credit bureau to remove this late payment or be fined {$1000.00} a day for reporting such. 
The Experian credit bureau must do a real investigation into Consumer 's case and remove the late payment.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi, I am requesting your support. I have been a loyal CapitalOne customer and I'm so disgruntled at the level of service I've received with this issue. 

I filed a claim with Capital One and received a provisional credit for the full amount. Several weeks later, I received an email requesting additional information which I immediately provided. 

Last week, I checked my account to see a reversal of the full amount, leaving my account in the red. This is my account that I pay my rent with and my most recent paycheck was deposited here. I never received any communications from your team about the status of the dispute and I'm so upset and hurt that this has happened to me. 

On Monday, XX/XX/2020, I booked two all-inclusive tickets to the XXXX XXXX using XXXX Pay-delay feature. I booked the trip using my XXXX XXXX  Account. Note : I am still waiting on a response from XXXX regarding this. 

On Friday, XX/XX/2020, I decided to pay off the trip in full using my Capital One debit card. The total was {$1300.00}. 

For several days, starting the week of Monday, XX/XX/2020, I tried to reach out to XXXX  through a variety of ways including phone calls, emails, and social media. None of my attempts were successful. 

I then went back to their website to find a notice : XXXX has now canceled all future bookings at resorts located in non-US destinations. We have also been officially notified that most of these resorts have closed temporarily, as air travel into their destinations is not possible at this time. Your RESORT booking has been canceled automatically. All upcoming XXXX payments for upcoming travel have been canceled. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder This is a very unfortunate and very inconvenient situation. I should not have to lose thousands of dollars because of this companys negligence and they need to pay up. Before they closed all their social media accounts, there were several reports of customers who are going through the same thing.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: M&T BANK CORPORATION (MD)

I bank with M & T Bank for over 10 years. I received a letter sometimes in XX/XX/2023 stating that I needed to call the bank to update my personal information on our joint account. I did so via phone and was asked to provide my citizenship and employment information. When I asked if my spouse needed to update here information as well, I was told that no need for that as I was the only person that needed the update. On XX/XX/2023, I found out that M & T bank froze all of our accounts, rejected my direct deposit from my employer, returned couple of payments ( credit card and car payment ) I am now going through a financial hardship as a result. I called the bank and spoke to a supervisor as he was able to identify the issue. He removed the hold that was placed on both of our accounts and advised that I will need to deal with employer and the other companies who payments were rejected. We have never received an official notice that our accounts are going to be frozen nor we received any notice about updating my spouse personal information. I need this matter to be investigated and requesting a remedy from M & T bank to compensate for this financial hardship that was caused as a result of the lack of communication and disclosure to consumer. Thanks in advance for your assistance with this matter. A Congressional complaint will be filled against M & T bank followed by this complaint to your organization.
Consumer complaint received 2020-06-15
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: TrueAccord Corp. (VA)

XXXX XXXX XXXX sent a collection letter dated XX/XX/2020, postmarked XX/XX/2020, which I received XX/XX/2020 informing me of the debt. They proceeded to report the collection to XXXX  on XX/XX/2020, to XXXX  on XX/XX/2020 and to XXXX  on XX/XX/2020, well before the 30 days violating my FDCPA right to dispute this debt ( which I have requested and have not received anything back ). I'm now sending a new letter requesting they delete this information as I have not received their investigations results and it will be 30 days this week. Additionally, I receive collection emails requests from True Accord via email for the same account, and letters from XXXX XXXX XXXX.
Consumer complaint received 2023-03-25
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. (PA)

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. 
Account name : 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 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 information is inaccurate.
Consumer complaint received 2023-06-15
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$5700.00}.