davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been sued by Bank of America for XXXX credit cards that I could no longer pay due to XXXX permanent XXXX incurred during the course of the credit cards being open. The amount I am being sued for is more than the balance owed on the account. I disputed this via the XXXX credit reporting agencies, and shortly thereafter, they served me with papers for Judgement via the XXXX XXXX, XXXX XXXXXXXX XXXX, Civil division. The cards have all been " CHARGED OFF '' AND " WRITTEN OFF '' for their own illegal gain in taxes from the Federal Government and the IRS.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-03-13
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. (FL)

I discovered that the same account on my credit report was misleading. The 3 credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and updated : XXXX XXXX XXXX : {$20000.00}
Consumer complaint received 2023-03-13
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (NC)

This is my follow-up complaint prior to my previous complaint dated XX/XX/XXXX. I need these items to be removed from my file : XXXX  XXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/XXXX. 

I already included the items from my last complaint no I am Including them again.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-07
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: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently submitted XXXX complaints to this company ( # XXXX ) and ( XXXX ) along with verification of identity theft reports and identity to verify myself. I requested that the company remove all fraudulent accounts, personal info and inquiries from my report. I recently checked my credit and this company has not removed all these items and has also added back old fraudulent accounts that have already been deemed fraud and removed by the creditors. They have added fraudulent addresses and names that I have no knowledge of and some that were included in the last dispute. They have also blocked me from dispute any accounts going forward.
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act 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 with my written instructions
Consumer complaint received 2023-03-13
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. (HI)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-15
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: EQUIFAX, INC. (KS)

Last XXXX I was unable to get customer service from EQUIFAX because their website does not work and the representatives on the customer service telephone number were not competent enough to understand my question : they kept reading scripted answers to questions I was not asking. I submitted a complaint to CFPB and EQUIFAX responded that they required additional information from me BUT PROVIDED NO WAY FOR ME TO SUBMIT IT. My complaint is that there is no avenue for communication and this was their response : " Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE ADVISED THAT IN ORDER TO PROCESS YOUR REQUEST, EQUIFAX NEEDS PROOF OF SNN AND ADDRESS, PLEASE SEND THE DOCUMENTATION REQUIRED. '' Let me be clear : they demand more information but do not provide any means whatsoever for it to be submitted. Once again I request direct contact from a human being, not a website or automated telephone tree, to assist in resolving this. EQUIFAX must provide some means for customer service.
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year>, I went to Kohl 's to shop. I tried to make a purchase with my Kohl 's card and was told that Kohl 's was switching to Capital One... this was the first time I heard of it. My regular Kohl 's card would not work, so they had to look it up by my social security number. The purchase went through without a problem... except that I never received, and come to find out, was never sent a replacement card. When I went online to pay my bill, my old account number would not work so that I could pay my bill. I called the number on the back of the card and that is when I found out, I had never been sent a card and I had to request it. Without a card, it is very difficult to pay the bill. They asked me for the account number which I did not have because I did not have the card. During the phone call, I was able to pay the card with my social security number after jumping through several hoops. This seems like a way for the credit card company to make it difficult to pay your card so they can make interest and charge late fees. It seems slimy and sneaky. After paying what I was told was my balance ( I couldn't see my balance because I didn't have an account number ), I closed my credit card after being a customer for several years. It is poor customer service and a questionable business practice.
Consumer complaint received 2023-03-13
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$60.00}
Consumer complaint received 2024-10-03
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. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-03-13
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: Thaxton Investment Corporation (SC)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-13
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Fraudulent accounts XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fraudulent inquiries XXXX  XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX  ( XX/XX/2022 )
Consumer complaint received 2023-03-13
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. (IL)

In accordance with the Fair Credit Reporting act 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 with my written instructions
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im sick of this and it shouldnt be so hard but you give me the freaking blues about accounts i didnt open. These accounts do not belong to me. 
Also, you can not report income on my credit. When you charged this account off youdid it as income. the irs defines a charge off as ordinary income or 1099C in which I did not receive. This is no longer a debt. income does not get reported on a consumer report and canceled debt. 

A chargeoff is gross and ordinary income, it is a canceled debt. under fairness and accuracy of reporting, a chargeoff is not supposed to be on my credit report 1681eb. 

the agencies dont even have account numbers : XXXX  XXXX {$400.00} XXXX XXXX {$750.00} XXXX  XXXX XXXX  {$0.00} XXXX XXXX {$7500.00}
Consumer complaint received 2023-03-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I am hereby requesting reimbursement from Wells Fargo Wells Fargo Home Mortgage engaged in a pattern of unfair and deceptive practices including but not limited to : 1 Evaluating homeowners for mortgage modifications while simultaneously 2 Initiating foreclosure proceedings on them. 
3 Loan Modification Denials 4 HAMP Violations 5 Misrepresentation 6 Wells Fargo failed to discharge their required loan modification obligations, and related unfair and deceptive practices. 

7 Wells Fargo had obstructive practices designed to avoid reasonable modifications to loan terms by burying XXXX in paperwork and creating bureaucratic delays and dead ends. 

Negligence telling you that your modification documents were lost or never received by the lender or telling you that you qualified for a modification but then later forcing you to apply again. 
XXXX telling you that your modification was denied after a long wait. 
8 There were Irregularities in the servicing of your loan Wells Fargo miscalculated the mortgage payments.

9 Wells Fargo failed to discharge their required loan modification obligations, and related unfair and deceptive practices 10 Wells Fargo failed to perform proper loan modification underwriting. Wells Fargo failed to gather or lost loan modification application documentation and other paper work 11 Wells Fargo failed to establish adequate processes for loan modifications ; 12 Wells Fargo failed to respond to XXXX inquiries in a timely manner 13 Wells Fargo provided false or misleading information to us while trying to refer loan to foreclosure during the loan modification application process 14 Wells Fargo provided false or misleading information to us while initiating foreclosures while we were in good faith actively pursuing a loss mitigation alternative allegedly offered by Wells 15 I suffered a lot of mental anguish, pain and suffering and lost my family. 
XXXX6 Damaged my credit under FCRA 17 Please remit {$20000.00} as part of my settlement
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-03-13
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. (KS)

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. 
XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # 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 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 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 2024-09-09
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. (AR)

I am writing to urgently follow up on my previous dispute regarding the unresolved negative accounts on my credit report. Despite multiple attempts to rectify these issues, they remain unresolved, causing significant distress and negatively impacting my credit score.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (MD)

I contacted all XXXX credit report agencies -Experian , XXXX , and XXXX regarding a medical bill ( credit agency : XXXX for originally {$290.00} ) that is not mine and that I have no recollection of it. After the investigation by the credit reporting agencies, XXXX and XXXX both removed claim/charge from my report, except Experian. Experian stated by telephone and through mail that the claim is valid. When I asked how it was valid, they could not explain. I have asked XXXX different representatives, by telephone, how the claim is vaild and no one could provide me a " valid '' answer, except that " it 's valid ''. I made this dispute 3 times through Experian. Also, the original claim/charge from the credit agency was {$290.00}, but it is now {$310.00} because the credit agency claims that there is daily or monthly interests that will continue to be added until it is paid. When I explained to Experian that how could they allow the credit agency to continue to add interest to the account, when in the state of MD, interest from credit agencies on medical claims is illegal. One Experian represented stated that they have no control over that. I then stated that now the claim is invalid and now illegal because they are also charging interest on an original claim that was first displaying {$290.00}. I would like for Experian to show proof that I owe this claim since they claim it is " valid '', what proof did they receive the credit agency to claim such validity, and why are they allowing a company to keep reporting interest on a claim to them. I would like it removed my credit report, as I have no recollection of this charge being mine.
Consumer complaint received 2023-03-13
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. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX XXXX XXXX XXXX which is an opened collection Account type. Has all kinds of inconsistencies where it is showing that it was opened with TransUnion on XX/XX/ and XXXX XXXX  and never opened with XXXX I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions