davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Today, I am writing this complaint to EQUIFAX regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-10
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. (AZ)

I mailed Transunion XX/XX/XXXXXXXX  and in XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  my FTC Identity Theft report, notarized letter itemizing the theft and FTC legal notices. 
Transunion will not let me upload my documents and this is fraud. 

I uploaded XXXX my documents attached and no response XX/XX/XXXX. 

I want my credit score increased.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or 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 2019-05-10
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. (NJ)

As of XXXX XXXX today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$8800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX  XXXX {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$710.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX {$65.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXX XXXX {$710.00} XXXXXXXX XXXX  XXXX {$8800.00} XXXX XXXX {$2000.00} XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX {$0.00}
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

Edfinancial has been impossible to get in touch with. I've paid my account 3 times in the month of XXXX because they keep reversing the transaction. Now it's saying my account is past due and theres nothing I can do about it. I've already called my bank and they said that Edfinancial hasn't even attempted to take the money out of my account. I've tried calling and I've tried emailing. No one has gotten back to me, and the interest keeps going up. This is beyond frustrating.
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (GA)

I applied in 2009 for a loan modification. Due to my XXXX mother being moved in with me, I also had XXXX & was out of work for XXXX weeks. Then when I went back to work all of my overtime was cut off. I had been getting overtime for 10 years. 
I was told I qualified for the modification & every few weeks I had to resubmit my bank statements, paycheck information etc. I did everything exactly as Wells Fargo requested. When I called once again to check status I was told I qualified with the exception of not missing a payment. I said so in order to get the modification I have to stop paying. She said yes so I stopped. I continued to send in the documents as requested. Then I was told we will not be able to do the modification. 
I lost my home that I had put over {$30000.00} down on. I think it was {$35000.00} but not positive. 
I was told to move out & pay the HOA a ridiculous amount because they claimed they had put down new pine straw & edged flower beds every week. That was obviously not true. However Wells Fargo said do that and I did. 
I just received a letter with a {$200.00} check enclosed stating " during a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for {$200.00}. '' I called and was told that I should have received a letter about the remediation but I did not get one.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (MO)

In XXXX XXXX I received a credit on my account. The company immediately paid off my card, without my knowledge or any communication. I have called 6 times, many more hours spent than that. A check was cut and mailed to me for {$2900.00} on XX/XX/XXXX. I have never received this check. They insisted they would cancel that check and send me a replacement. Never came, I was told they " called it back '' after preparing the check to pay off new charges that are not due until XX/XX/XXXX. I have demanded they give me the full XXXX as promised. They say they will only give me XXXX. My payment is not due yet, they keep stealing my money and refuse to give me my qualified refund. The original amount of the refund was XXXX but they kept taking away from that. Don't I have the right to pay my bill when it's due? Why do they keep taking my much needed money. Why can I not carry a balance on this account. Why can't I receive MY money. They are keeping it just to earn themselves more money in interest. I have had this card for 1 year and every month there is a problem. By the time I finally get out of the enormous amounts of questions, I am angry already. I want my money!!!
Consumer complaint received 2023-12-13
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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.

XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
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.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

I have sent 4 emails to EDfinancial requesting a forbearance due to a medical emergency that my child suffered in XXXX. I am asking for this under President Bidens " on-ramp '' program which states " Borrowers who miss their payments between XX/XX/XXXX won't be reported to the credit reporting agencies, nor will they be considered in default. Their loans also won't be sent to collection agencies. '' It also states that borrowers do not need to take action to get into. Having said that, I will not need the full year. I will need until XX/XX/XXXX to pay unexpected medical bills for my son. As I said I sent 4 emails and I have spoken with a customer service rep via the chat feature and that customer service rep is the one who told me to do this. On EDfinancials website it states that emails will replied to in 4-5 business days. My first email was sent XX/XX/XXXX. My chat with the rep took place in XXXX... I believe that EDfinancial is purposely ignoring customer emails so they can pretend that they weren't given ample notice. The " On-Ramp '' program gives a year with no penalty... If I do not receive any response or communication from the business I will take the entire year that the " on-ramp '' program gives me. This is bad business and I will also be reaching out to the Department of education with this same complaint. Here is a link to more information on the " on-ramp '' XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX business days after the date of receipt It has been XXXX days and you are in VIOLATION of this law because I am a victim of id 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 XXXX protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

In XX/XX/2023 I sent a payment at financial services. This contained XXXX  different checks in the amount of {$1000.00} each. This payment was for the rest of my loans they were in the form of money orders which have been cashed on XX/XX/2023. To date, I have been in contact with Ed financial multiple times to no avail. Many hours spent on the phone just to be hung up on. on XXXX of the money orders was my correct account number, and on XXXX of them, XXXX number was missing. None of the checks have been credited to my account copies of the cash checks, check, numbers, and proof of this payment ( which cost me out of pocket ) were provided to edfinancial and I still have not yet to get credited. I asked for supervisors multiple times and never one has called me.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

Theyve been harassing my XXXX  parents, they called my job and almost got me fired. They claim they sent a letter via XXXX  emails, none of which I received. I have requested a notice of the debt and have not heard back and theyre threatening to seize my house and assets I own. 
Started calling my parents house in XXXX They called my job on XX/XX/XXXX On XX/XX/XXXX I called and left a message for a notice of debt, they have not gotten back to me. 
During the phone call on XX/XX/XXXX I was told I would be sued and they would seize my home and any assets.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (SD)

I was making payments on a Cancelled Credit Card in order to pay it off slowly by making small payments every month. The Bank raised the amount 2 or 3 times without my consent of knowledge. They also didn't pay others prepaid bills that were due so that they could collect more money toward this cancelled card, which made me extremely delinquent on several household bills. Some companies cancelled my accounts ( Insurance payments, phone payments, etc so they could apply more money to their Credit Card.

I admit to the Debt, but my intentions was NOT to apply All my money to the defaulted Loan. I believe I started out paying {$50.00} per month toward the Card in good faith to pay it off eventually. But the bank kept raising the amounts without my approval & without my knowledge. They are up to {$150.00} around the XXXX of every month. I tried to cancel or change the amounts but there was no option to do so. I Did ask to lower the payments & they said it wouldn't be enough. 

They told, me that someone had hacked my account & that they had to cancel my card. I was never informed as to who or what was done. But, during that time I couldn't use my Card to pay bills and I was never told what or who hacked it. Which meant I couldn't pay my bills without my card. They also said that I REQUESTED that my Card be cancelled. 

I am on Social Security & have XXXX XXXX. By taking so much money out of my account I can't pay my bills as needed. I don't know what I can do to Stop them from doing this... It started out as a gesture of Good Faith... and they used it to bring my Finances to an all time Low.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX I received a denial to fix my credit report. Eqifax data was breach in XXXX and my data was taken. There are several charges I did not do in fact was in XXXX  at the time
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681section- 602 A. States I have the right to privacy 15 U.S.C. 1681section- 604 ; It also states a consumer 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 counting 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 2023-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (VA)

I had a balance of {$3600.00} in my bank account and PNC bank closed my account and the funds were moved. I never received a call or was told what happened to the money. I called multiple times about where my money is and their was no resolution and I also went to the bank and they had them on hold for hours and no answer.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Phoenix Financial Services LLC (WV)

Accunt name : Phoenix Financial Services Account number : XXXX It Appears That This Item On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099 Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship I Would Greatly Appreciate It I'Ve Gone Through A Serious Financial Hardship And This Would Help Me With My Credit In The Future Thank You So Much They also refused to provide validity and accuracy of their purported debts. 

I believe my rights under the Consumer Financial Protection act has been broken by company.
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. (FL)

I believe that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.