davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

In XXXX both Equifax and XXXX dropped my score by 90 points. My utilization is around 25 %, it is usually lower, but we booked a trip to XXXX. Normally around 22 %. All my bills were paid on time, except one late payment because we were in XXXX for a small amount. It was promptly paid on our return. I feel their action on a XXXX XXXX drop was excessive. I always had good credit, never defaulted on anything and paid my bills on time. In all the years my history shows on time and in good standing. I would like them to explain to me their reasoning. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-02
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. (MA)

DELETE ALL THE FRAUDULENT INQUIRIES LISTED BELOW. 
XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX , XXXX XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX , XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX
Consumer complaint received 2023-04-02
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: Experian Information Solutions Inc. (ME)

It's been over 30 days. And the creditor. Did Not update the information nor has provided proof of documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law, they had 30 days to Complete the investigation. And by failing to do so, the item must be deleted from the report as soon as possible.
Consumer complaint received 2023-07-25
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)

I called XXXX XXXX XXXX on XX/XX/XXXX and asked about a collection on my XXXX credit report in the amount of {$1500.00}. I know nothing about this account from the original creditor, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has my name but the social security number and address do not match their account information. I was never called, emailed, or contacted by mail from XXXX XXXX XXXX. I keep a XXXX number and a XXXX address. My XXXX phone number and XXXX address is clearly on my credit reports, so XXXX XXXX XXXX has my current contact information. The representative told me there are two accounts with my name showing Ohio and Virginia. I have never lived in either state nor traveled to those states. The original creditor, XXXX XXXX XXXX XXXX is also not in the state of Ohio or Virginia, but in the state of Texas. I have never lived in XXXX. I now live in XXXX after returning from my other country, XXXX ( see attachments ). Lastly, I have not lived in the United States since XX/XX/XXXX and just returned XX/XX/XXXX ( see proof with electric bill from XXXX and resident card ), therefore the account could not have been me. I also called the original creditor ( XXXX of XXXX XXXX ) and there was no account information for me. I'm not understanding how they were even able to put this account on my credit report if none of the information matched up. I'm upset because their negligence dropped my credit score over XXXX points.
Consumer complaint received 2023-04-06
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. (MD)

In accordance with the Fair Credit Reporting Act, [ XXXX XXXX XXXXXXXX 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The Estate of XXXX XXXX XXXX is not privy to any contracts between XXXX XXXX XXXX and its associates. I DO NOT UNDERSTAND, I DO NOT CONSENT, I DO NOT ACCEPT. I DEMAND A CEASE AND DESIST, YOU XXXX XXXX XXXX ARE NOT AUTHORIZE TO USE OF THE TRADE NAME OF THE ESTATE OR COPY RIGHT ON ALL MEDIUMS AND PUBLIC PLATFORMS. FAIR NOTICE TO ALL PARTIES INVOLVED. THIS IS A XXXX COPY RIGHT INFRINGEMENT VIOLATION ACCORDING TO THE ESTATE FEE SCHEDULE OF FILE. THE ESTATE WILL ALSO BILL XXXX FOR COMMERCIAL INJURY. THIS IS A PUBLIC COMMUNICATION TO ALL All rights reserved UCC1-308 Notice to agents is notice to principles Notice to principles is Notice to Agents Applications to all successors and assigns
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TX)

My compliant is not only that the amount reported to the credit bureau may be incorrect but that they have misrepresented the information on the account which has led to miscalculating how long it remains on my credit report. 

Therefore, I am not sure that any of the information is correct since the account has been clearly reaged before reporting to XXXX credit bureau. Now causing it to be on my credit report for longer than 7 years. 

History : The original debt of {$300.00} for a Catherines credit card managed by Comenity bank. Due to financial and medical hardship, I became delinquent with this account in the summer of XXXX ( around XXXX ). It went into collection status and although I tried to make periodic payments to the collection agency which totalled to about {$900.00}, there was still a remaining balance due to their continued increases in the amount due which was very questionable when the original debt was only {$300.00}. However, I believe Comenity may have held it for a long time causing the tremendous increase in the amount due. 

The other issue is that when XXXX bought the debt in XX/XX/XXXX they may have reaged the delinquency date by reporting it as a new delinquency account after buying the debt from Commedity bank in XX/XX/XXXX. As a result, it makes it look like the delinquency date started in XX/XX/XXXX rather than in XXXX of XXXX when the account was with Comenity bank. 

As a result, this has manipulated the date of removal and/or how long it stays on my credit report with XXXX.
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (CT)

TD bank has blocked refunds transactions to my account. I purchased several items from XXXX. Ive noticed since XX/XX/XXXX, on certain purchases the refunds were not going back into my account. I called TD to let them know my refunds from XXXX are being blocked. I spoke to numerous representatives and I have gone through several channels of communication. The last straw was speaking to XXXX a supervisor who said she would adjust my card so refunds would go back to my card automatically. The refunds did not go back into my account. At the time I am writing this, XX/XX/XXXX. A few more of my refunds failed to appear into my account after speaking with her. The bank has failed to explain to why they blocked refund to my account and failed to give me any prior notification. This is unacceptable and unreasonable behavior from TD. I am owed more or less of XXXX XXXX+ dollars of refund than and I want the money returned to the account. Sadly, my relationship with TD will end due to their lack of professionalism.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-04-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (LA)

I seen on the internet yesterday that i may be receiving a settlement from Wells Fargo due to my hardship refinance that i had. I was refinanced by Wells Fargo back around 2015. They told me back then that if I made on time payments for 5 years that my house note would go down XXXX a month. They told me that it was to pay for lawyer fees for other refinance fees. I was just wondering if this had had anything to do with the Wells Fargo settlement. I really don't know if anything is owed to me as I know my insurance has went up over the years so my escrow account could have taken some of this amount.
Consumer complaint received 2023-03-16
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (TX)

Account # XXXX I had two accounts with XXXX XXXX XXXX. Synovus Bank Acct ( XXXX ) XXXX still reporting A closed Paid account. XX/XX/XXXX After it meet FCRA requirements. 

Account # XXXX XXXX XXXX Reporting On the same day I closed Account ( XXXX ) XX/XX/XXXX. On my report it shows Date Of Last Payment XX/XX/XXXX Payment Status : ( Currant ) Account Status : ( Paid ) Comments : Canceled by XXXX XXXX ( Consumer closed the account not them ) XXXX XXXX 30 days late * XXXX XXXX  60 days late* XXXX XXXX 30 days late* Date Last Active : XX/XX/XXXX Date of last Payment : XX/XX/XXXX Last Reported Date : XX/XX/XXXX XXXX Reporting Payment Status : ( Current ) Account Status : ( Paid ) Comments : Account has been closed due to inactivity XXXX XXXX 30 days late * XXXX XXXX 60 days late* XXXX XXXX 30 days late * Last Reported Date XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX XXXX Payment Status XXXX ( Current ) Account Status : ( Open ) Comments : Consumer Disputes XXXX XXXX  30 days late * XXXX XXXX 60 days late* XXXX XXXX 30 days late * Payment Status : ( Current ) Date Last Active : No Info Date Of Last Payment : No Info Last Reported Date XX/XX/XXXX Payment Status : XXXX XXXX XXXX ( Inaccurate Reporting ). 

Payment Status : XXXX XXXX Currant Payment Status : XXXX 30 Days Late Payment Status : XXXX Current ( Inaccurate Reporting )
Consumer complaint received 2023-03-16
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 2023-03-16
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: Experian Information Solutions Inc. (OR)

I have attempted many times to request all credit reporting companies remove an old/inaccurate debt from my credit and all agencies have denied this. I started college at XXXX XXXX in XXXX. I applied for a private student loan with a family member in XXXX from XXXXXXXX XXXX ( 2 of them ). I got a private student loan, and I graduated in XXXX. I was never billed for this account, I never applied for any deferment, I included both accounts in my XXXX XXXX bankruptcy and indicated that they were private student loans, not federal student loans, and my grandfather passed away in XXXX ( co-signer ). My XXXX  XXXX bankruptcy was discharged in XXXX as indicated in my credit reports. I was granted a full discharge of all requested debts. I notified the credit agencies, and these accounts initially disappeared then reappeared. I was denied the right to have it removed. I sent my discharge to all creditors, including this company. Still, they refused to remove the debt. The debts clearly indicate they were opened in XXXX, but falsely indicate they were " charged off '' in XXXX and XXXX. No attempts were ever made to collect on these debts and no payments were made given it was XXXX. According to WA and OR law, all debts including private student loans ( written contracts ) are outside of the statute of limitations after 6 years. Furthermore, at the time I resided in Missouri when these loans were disbursed and their statute of limitations on " promissory notes '' as used in the case of these loans is 3 years. 6 years past XXXX when the initial debt was created is XXXX, 6 years past when I graduated is XXXX, 3 years past when I made the debt is XXXX, and when I graduated XXXX. It is now XXXX, which is 8-12 years past when these loans originated and when they were due. Keeping these debts on my credit is against the statutes in each of these states and they indicate false information.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank is in violation of the Equal Credit Opportunity Act for failing to respond to my credit application ( # XXXX ) within the federally mandated 30 days. On XXXX XXXX XXXX, I applied for a Chase Freedom Unlimited credit card. On XX/XX/, they mailed me a letter asking me to verify my identity within two weeks of my receipt of their verification letter. I called the phone number Chase provided ( XXXX ) on XX/XX/XXXX, and received an automated response telling me that my identity had been verified and that I should wait 7-10 business days to be approved or denied. I called multiple times to follow up with the status of my application and was informed that it was still pending. 

It is now XX/XX/, and upon another follow up call from me, I learned my application has now expired. I was informed that my application expired because Chase could not confirm my idenity. I explained that I called the number they provided within the appropriate amount of time, and they said that the number I called should have routed me to a live agent who could have verified my identity. The number they provided does not do so ; it only results in an automated response that provides false information to applicants telling them that their idenity has been verified when it, in fact, has not. Upon speaking with a supervisor in Chase 's credit identity verification department, she informed me that Chase is aware of the issue and that I'm not the first applicant to have been provided false information via the automated line that they provide to their customers. In other words, Chase Bank is knowingly providing credit applicants with false information about the status of their applications which is then leading Chase to violate the Equal Credit Opportunity Act by not responding to their credit applications within the mandated 30 days.
Consumer complaint received 2023-03-16
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account removed from my credit file : XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$300.00}.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

I was targetted by XXXX XXXX and the XXXX  employees at the XXXX XXXX XXXX wells fargo branches on XXXX XXXX and XXXX XXXX. My checking account after it had been just opened on XX/XX/XXXX was closed on XX/XX/XXXX. My original account which I had opened in XXXX was in positive nothing wrong with it until when I couldn't log into my online banking. Wells fargo was letting XXXX XXXX get away with messing with my checking account and private business. But all these people tell me that wells fargo has a right to close your account. Well I had my first account open a year and they didn't exericise their right to close it, until XXXX XXXX targetted me. She was not in the bank exept on the last day when my new account was open on XX/XX/XXXX, this was a set up by the bank employees, to have me drive back and forth constantly. The police showed up and they looked confused at me that I wasn't bothering XXXX XXXX. But wells fargo still violated my civil rights by siding with XXXX XXXX and wrongfully closed my checking account. This is harassing me calling the police messing in my checking account and making me drive to the bank. While the whole time they were going to close my new account anyways. Now wells fargo refuses to do anything to XXXX XXXX and the wrong she did to me by falsely accusing me of harassing her. Wells fargo is responsible for her actions.
Consumer complaint received 2023-03-16
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)

The credit bureaus investigation did not fix an error on my report This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX