davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit 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: BARCLAYS BANK DELAWARE (NM)

I was charged {$100.00} on XX/XX/2023 without my knowledge or permission from XXXX. When I called XXXX, they said they had no knowledge of that charge and that they did not receive any payment from me for that amount. I challenged the charge with my Barclay 's Bank Banana Republic Mastercard, and received a temporary credit while they investigated. 

They refused on multiple occasions to call XXXX, and said I would have to call them, receive a notice of some kind, and then fax it to them. They then sent me to another department, twice, and told me I could call XXXX with that department. Well the other department told me I needed to work exclusively with the fraud department, after two 30+ minute phone calls on two separate occasions. Barclay 's should have all of these phone calls recorded. 

I was recharged that {$100.00} on XX/XX/, with a letter from the credit card company informing me that, due to my continued history with the vendor, I was responsible for the amount. I was charged another {$86.00} from XXXX on XX/XX/, but like before, I did not approve of this purchase and I am the only person with access to my card. They had to replace my card for a second time, and it remains locked while I try to figure out how my card information was compromised on XXXX 's website. I was told by an agent at Barclay 's that they would not submit my request unless I provided proof from XXXX that I did not make the purchases. 
I faxed the appropriate paperwork, petition, and purchase receipts to Barclay 's. I received a letter yesterday, XX/XX/2023, that the investigation team found that I am not responsible for the {$86.00} purchase. I called today, XX/XX/2023, and the fraud investigation department told me that they just re-opened my request for the {$100.00} investigation on XX/XX/2023. They will not send me any confirmation information, or otherwise inform me of the investigation process until they approve or deny it. They keep denying this claim, despite the evidence and continued confirmation from XXXX that I did not make these purchases. 

I have been calling and having meaningless conversations with this department for over two months ; they will not refund me, process the proof I have submitted, or even submit my petition to the appropriate parties from what I have been told. I am convinced they are denying this claim continuously, and I have acted in good faith for over two months to try and fix this issue with the credit card company. 

When I asked who to send an advocate to speak to, the latest agent told me she didn't know what an advocate was, but that I would need to have my lawyer call them directly. I would appreciate this matter be settled, as I have spent many weeks calling both Barclay 's Mastercard and XXXX, with the former offering no help.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ASSOCIATED BANC-CORP (WI)

The time period in question was XX/XX/XXXX and XX/XX/XXXX. Covid pandemic in progress. 

Mortgage payments due on the 1st of the month. My bank is stating that I missed 2 mortgage payments. This is reflected in my credit report. 

XX/XX/XXXX - regular mortgage payment of {$1100.00} paid. No problem here. 
XX/XX/XXXX - mortgage payment of {$1200.00} paid. I thought I paid more than needed. I did not realize my bank raised my mortgage payment to {$1200.00}. The bank labeled this as a missed payment. 
XX/XX/XXXX - mortgage payment of {$1200.00} paid. I thought I was paying the correct payment on time. The bank labeled this as a missed payment because {$60.00} of it needed to be applied to the XX/XX/XXXX payment. 
XX/XX/XXXX - mortgage payment of {$1500.00} paid. No problems here, more than enough paid to cover changes in mortgage, etc. 

I do not feel that being labeled as having 2 missed mortgage payments fairly reflects my situation. If the bank had reached out to me to let me know there was a problem, I would have corrected it right away.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. 

XXXX, XXXX # XXXX date XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  ( original Creditor ) # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2023-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Despite my previous 5 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 5 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Consumer complaint received 2023-12-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp. (FL)

We went to XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX to buy a car with my brother. A new XXXX XXXX 2023. This dealer made a sale contract with XXXX XXXXXXXX XXXX, We have pay {$850.00} a month, it's to much and thety said that if we give them {$4700.00}, our monthly payments will be {$490.00}. They gave us the car after sign a contract. We go back a week after with that money, buy nobody else have any information about this. The registration car is under the name of my brother and I. with a lien on the name of " World Onmi Financial Corp. '' we do not sign any contract with them, I get a copy of this and there is no signature for one of us and the interest rate is more that the percent they said inicially. 
We have not received any bill or how to make the monthly payments. However I went and call several times to the dealer and thay said that it's not their problem, they said that is the XXXXXXXX XXXX problem. I do not want that my credit hurts for this, because I am brother 's con-signer. I do not want any report on my credit. This finaciacion it's to high and we do not want to keep that car. But the dealer doesn't help in any resolution. 
Wanted to say that we have not give any money yet in payment or downpayment for this car.
Consumer complaint received 2023-12-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (VT)

Firstly, this is late Friday on a holiday weekend, so all that was left to me to " work things out '' was to use the message portal, which will not be seen until probably, Wednesday, XX/XX/XXXX at the earliest. ( Email stated two business days to reply, ) A vague message was on my account in XXXX, possibly earlier, about escrow review. The first indication of my having an overage was by US mail. I used the message portal to inquire if " the check went out the door '' then heard nothing for two weeks. In the meanwhile, I received a paper check for the overage and a new monthly payment amount. After receiving the check, I figured I had already received my answer, it did go out the door, and then made plans for depositing. I have no car, so I use bank by mail with XXXXXXXX XXXX. I promptly mailed them the check, which has yet to be credited, and with the holiday coming up, used my money to effectuate a prompt principal payment, and wait on the check to reimburse myself. 

Without consulting me, I learned late on Friday of a holiday weekend, they voided the check without consideration of sticking me with a potential bank fee or that I needed the funds to cover other bills for the month. They also failed to check to see if the escrow funds, via a self-loan, had been used to apply to the principal. It was so late, they had closed.
Consumer complaint received 2024-05-09
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. (NY)

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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-08-04
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-26
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. (MO)

I am writing to formally dispute the following inaccurate information on my credit report. This is my attempt to resolve this issue, and I am deeply frustrated with the lack of response and resolution from your agency. These accounts are inaccurately reported as late and charged off. I have made multiple attempts to resolve this matter, including providing documentation and evidence that these accounts were closed in good standing and should not be listed as late or charged off. I am requesting that these inaccurate entries be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. These are the following accounts that are needs to be removed : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. 
This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$750.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been chargedoff or placed for collection. Please delete this account immediately. 
XXXX. XXXX XXXX XXXX XXXX : {$140.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$400.00} - The limit to this account was a fraction of the amount due as stated. 
That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. The balance is truly incorrect, if possible, replace it with XXXX or eliminate the item certainly. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

I have been a Wells Fargo credit card customer for XXXX years, with a consistent history of timely payments via autopay. Recently, I discovered that my autopay was canceled without my authorization. Upon contacting Wells Fargo, I was told that I had canceled the autopay, which is inaccurate ; I have never interrupted this service. 

Furthermore, when attempting to reinstate autopay, I was restricted from using my XXXX  XXXX XXXX account and was directed to use a Wells Fargo checking account instead. This restriction seems to be a deliberate tactic to coerce customers into using Wells Fargo as their primary banking institution. 

This issue has led to unjust late fees, as the cancellation of autopay was a result of a system error on Wells Fargo 's part, not any action of my own. I am now in the process of closing my accounts and taking my business elsewhere due to this unsatisfactory service and the financial inconvenience it has caused. 

I request a thorough investigation into this matter and appropriate remedial action, including the reversal of any wrongful fees and an assurance that such incidents will not recur.
Consumer complaint received 2023-09-21
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)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-09-21
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. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-07-26
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. (FL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-13
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)

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.