davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

It is so simple for Wells Fargo to provide what I request for. Now, Wells Fargo is required to report each account to the credit bureaus. We have not done anything wrong. I had a Choice Privilege account which Wells Fargo bought from XXXX. I was making monthly payments to Wells Fargo. The balance of that card was {$2700.00} Wells Fargo added the {$220.00} which the balance is {$3000.00}. This is two different accounts. Wells Fargo send letters to me every other day and calls every day. XXXX XXXX XXXX was only the authorize user of the credit card today XX/XX/2024, XXXX XXXX called to have XXXX XXXX XXXX to be removed from XXXX XXXX credit card, which I never used. To me this is harassment it seems as though Wells Fargo is not going to settle this. What do you advise me to do? I have thought about filing Bankruptcy, we have tried to do what is right? Wells Fargo do not want to accept the closure. I have refused to pay something that I did not get a receipt for. If I file Bankruptcy, it will be XXXX XXXX  and Wells Fargo will not be getting anything. I will make sure that Wells Fargo name will be at the top of the list for wrongdoing. I will wait until I hear from you from this complaint on your advice what to do. I am XXXX XXXX XXXX I do not like harassment. When Wells Fargo could do what is right. XXXX XXXX is the manager of Wells Fargo in XXXX, SC XXXX he could have prevented this situation. Thank you so much. You have really done your part on keeping us up to date. Thank you we really appreciate you and your staff. We received your E-Mail today XXXX XXXX.
Consumer complaint received 2024-07-12
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. (TX)

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 XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Trans Union XXXX XXXX XXXX XXXX has failed to provide verification of this. I don't even have an account number to add of this said debt. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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.
Consumer complaint received 2024-07-06
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$73.00}
Consumer complaint received 2024-07-03
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. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Sent correspondence with account number and social security number so that account information can be verified. But information with credit bureaus not reflecting accurate payment history with late payment status reflecting XXXX, XXXX, attempts were made to contact individual credit agencies and XXXX XXXX data furnisher!
Consumer complaint received 2024-08-22
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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-06
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. (VA)

CFPB, EQUIFAX won't fix the the problem they do a 30 day investigation and then they will leave the information the same someone needs to hold these credit bureaus accountable for messing up consumers credit scores my new XXXX XXXX  credit card I've had for over a year never late they are doing the opposite of taking your credit score down. How can that be my next step is I'm contacting my Attorney General about this matter as well. At this point I'm done calling Equifax as well with online disputes. Also as you can see they turn there online dispute system off.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OH)

I got a Home Depot board for XXXX credit limit the payments are XXXX a month last month I made a XXXX dollar payment which I called three days ago and asked why is this payment being reported to the credit bureau they gave me a run around today XX/XX/XXXX I checked again and my XXXX shot down XXXX points because they are not reporting it. Which even the credit report states high impact credit card and the only credit card I have is Home Depot. If they were gon na mark negative on my credit report by fcra law they half to notify me. That goes for everyone on anyones credit report and you can go down the line and hit every one for that violation but Home Depot never reported my payment still shows I used XXXX of XXXX credit limit when in fact I paid XXXX in XXXX which they never reported. I want them charged criminally and civil that is a direct violation and corpus delecti just because I went and graduated from school with a phd in criminal law dont mean I dont know the fair credit reporting act. And if you dont Ill be sure to file criminal charges against all.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PR)

None of these questions are mine, please delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THIS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (IL)

I send numerous of letters to Experian to do a proper investigation. XXXX is reporting negative in my report but they have no information to give me Since they sold account. but they are the ones who are reporting it so they should give me full verification. And the bureaus should know this is in violation with F.C.R.A and they choose to ignore it
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Onity Group Inc. (CA)

PHH Mortgage is now servicing my XXXX XXXX XXXX XXXX  They are responsible for the terms of loan and the data on the loan. First they was told me I was in default because XXXX XXXXXXXX XXXX applied my XX/XX/year> payment ( which I made in XX/XX/XXXX, ahead of time ), to principal reduction.. Banks do this because they can then start a foreclosure process saying that I never paid the monthly payment even though I paid it in advance. Now theyve added a random assessed expenses fee to my monthly payment. They can not just do that, thats called predatory loan servicing. I know this because I worked at the FDIC and I helped create the CFBP. Please see the attached statement. They added the fee of {$.00} to my monthly payment calling it excess expenses because I reported them to you for having inaccurate data and telling me I was delinquent on my loan. They are a predatory loan servicing company that needs to be investigated by the CFBP, the FDIC, and the office of the comp controller. They wrote me several letters after the correction was made, but never admitted to the mistake, even though I pay the mortgage in advance. They blamed the whole thing on XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (ME)

I am in the process of refinancing my house so I don't lose my home. 
During the process my lender discovered on XX/XX/XXXX a company named SYNCB/PPMC ACCOUNT XXXX XXXX which was delinquent and closed. The account was opened XX/XX/XXXX and Closed XX/XX/XXXX on XX/XX/XXXX they " reported '' this card as not being paid. I want this off my credit report right now. They have trespassed on my credit report. They refused to let us know anything about the statement information. They refused to send us a deletion letter. They have provided me with the one purchase made on the account ( XXXX ) a purchase was made at a company named XXXX  which is 100 % not even a XXXX company. After informing them that I was going to contact the CFPB regarding their refusal to remove this from my credit report, possibly causing me to lose my home... I was told that they didn't care. This card is in no way linked to my actual PayPal account. when I login, my other PayPal credit account ( not a credit card ) shows ... but this credit card ( mc ) does not show up. I have never received a delinquency call, email or snail mail regarding this situation. When asked why they refused to tell me. They couldn't tell me. It took about 2 hours on the phone before I was able to speak with a manager that would even talk to me about my account. They also refused to provide us with a management level call back number.
Consumer complaint received 2024-06-08
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Columbia Debt Recovery LLC DBA Genesis has engaged in practices that I consider to be harassment. This includes excessive phone calls all throughoutthe day, every hour, threats. These actions violate the FDCPA 's provisions against harassment and abuse. 

I believe that Columbia Debt Recovery LLC DBA Genesis has violated my rights under the FDCPA and Georgia state law. I respectfully request that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action to ensure that my rights are protected and that Columbia Debt Recovery LLC DBA Genesis complies with all relevant laws. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was approved for a credit card with a {$500.00} credit limit. Thats all I was approved for. However, Capital One charged over my limit without my authorization. Risk management approved my account with a {$500.00} limit for a reason! I cant use this card if I make a purchase over the limit. The card is declined!!!! 
Now I have a collection account for {$3200.00} on my credit report. This has ruined my score so I am not able to get approved for a mortgage -1st time homebuyer. I need to have the collection reduced to {$500.00} total. How can Capital One add additional charges without my consent?
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

XX/XX/year> made multiple attempts to contact Experian by phone for a credit freeze lift. Automated phone system has no option to speak with a person. The same system states " you can lift a credit freeze anytime by visiting the website or on the phone '' It then offers me the option to initiate a freeze, or request a credit report, and nothing else. No automated option to lift the freeze, no option to speak with a human. 

This is preventing me from obtaining mortgage approval and causing me financial harm. 

This is abominable service from a company that has total control over aspects of our lives. CFPB Please do something to correct this terrible corporate behavior.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-07
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: FinCo Services Inc DBA Current (WA)

I purchased a rental car agreement with XXXX. For {$250.00} on XX/XX/year>. When arriving to pick up the car at XXXX I was told my 'debit card ' was not acceptable. I was then told the agreement would be 'canceled '. And I would not be allowed to rent the car. And I would not be charged ... and to contact XXXX for a refund. I have purchased rental cars on many occasions and I've always paid using my XXXX credit ( debit ) card. I did not understand that my card was in fact charged for it's use... first discovered on XX/XX/year>. I did not rent a car with XXXX. And was still charged {$250.00}. I did not authorize XXXX to charge my card for services un-rendered. It should be clearly indicated that debit cards are not accepted. It wasn't. Yet my 'debit ' card was charged...? If XXXX does not accept debit cards why then was my XXXX XXXX charged? My 'debit card ' can not then be charged because it was never accepted by XXXX as a valid form of payment. Therefore I dispute the transaction as unauthorized. It should have been clearly stated. It was not. Therefore I am owed a full refund, for the car I never rented.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Penfed # XXXX Credit Card XX/XX/year> I never authorize this credit card to be closed at all. I called several times to unlock the card for an authorized charge, and no one could assist with my request.
Consumer complaint received 2023-06-11
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. (FL)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX, XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that ARE NOT reported correctly. 

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 XXXX 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. 

secondarily- they are not even in the slightest compliant with metro XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2024-06-01
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)

On XX/XX/2024 the following accounts were disputed per USC 1681B and 18USC 1028A Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXXXXXX charged off Account XXXX Please have accounts removed immediately