davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MT)

I purchased an item on XXXX. The item was defective and did not work. The seller told me to ship it back and they would credit me for the shipping, and then mail the item back to me after repair. I sent the defective item back, and paid {$48.00} to ship the item back. The seller then sent me two credits that totaled {$50.00} to cover the shipping. Then the seller kept my {$80.00} purchase price money and never sent me the item back and would not reply to messages. I disputed the transaction, I won, Wells Fargo credited me card {$80.00} and told me the dispute was closed. Then months later, Wells Fargo sends me a letter saying that they have debited my account {$50.00} and gives me no reason. I did not authorize this {$50.00} debit. Wells Fargo stole {$50.00} from me. I called and tried to get my money back but they kept putting me on hold and making excuses and lying to me and would not return my money. Please help! Wells Fargo and XXXX stole {$50.00} from me illegally!!!
Consumer complaint received 2024-04-20
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. (LA)

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 2023-11-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (PA)

Payments made monthly on the first as Im supposed to. Their payment site is down with zero information as to when it will be up again. 6 months ago I was charged NON STOP fees of XXXX XXXX and never refunded nor told what they were for and no matter what I sent letters to them asking I never got transparency about those. This is only my second month paying my NORMAL AMOUNT OF MORTGAGE since they took over the account in a year plus and now they have some issue again with the payment system just like last XXXX that caused my payment reversals last time. My credit went to XXXX for months over this last time.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-04-28
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: FirstPoint Collection Resources (PA)

In accordance with the Fair Credit Reporting act 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 without my written instructions 15 U.S.C 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 2023-09-26
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-03
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. (OH)

I currently have four fraudulent accounts appearing on my credit report. 
1. XXXXXXXX XXXX  XXXX {$16.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX {$190.00} 4. XXXX XXXX {$230.00} 5. XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-01-06
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)

It is against the law/ illegal to report transaction history pursuant to title 15 U.S.C . 1681b ( c ) & in violation of The Fair Credit Reporting Act ( FCRA ) - XXXX, Equifax, & XXXX are reporting transaction history which is causing a negative image to be portrayed on me, the consumer. This is a defamation of my character & is preventing me my right to well-being, personal property & a pursuit to happiness.
Consumer complaint received 2024-01-05
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. (CA)

My comfortability and livelihood has been tampered with due to Equifax continuously violating my rights. I addressed this issue before about Equifax reporting inaccurate and incomplete information on a XXXX account. I have attempted different times to have this item disputed and verified but Equifax sent me correspondences claiming that it was verified with no proof. I received a letter dated XX/XX/2023 from Equifax that states they received my dispute and they will not be conducting further investigation into this particular account at this time. By them sending me this correspondence, it proves that I have disputed this account and they refuse to note it as disputed on my credit report which by doing so, they have violated my right under FCRA Section 623 ( a ) ( 3 ) to have this account noted as disputed in which they failed to do so repeatedly. This inaccurate, incomplete and erroneous reporting to my credit report is causing a lot of stress and headaches for my family and I.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

on XXXX, i sent letters requesting information to be deleted because it's not reporting 100 % accurate and complete by the FCRA law, per 15 USC 1681e ( b ) and the CRAs haven't deleted them from my credit report. also some outdated items as well.I attached a copy below for your reference.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Date : XXXX XXXX Dear Transunion : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX There were fraudulent charges made on this account and I have disputed them, please remove it until your investigation is complete. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX DOB : XX/XX/XXXX
Consumer complaint received 2023-11-23
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. (KS)

I have demanded that these agencies remove these accounts from my credit report. That I did not give permission to be there. This is my 3 report. Next will be a small claim law suit. I have all the evidence I need.
Consumer complaint received 2024-04-20
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (SC)

Santander USA repossessed the vehicle in XXXX  during time in which COVID was prevalent. I lost my job and could no longer afford the payment. Santander repossessed it and the damage to my credit report is making it difficult to get into a rental home. I should have been protected during the COVID years from this and I explained that to them but they refused to listen or work with me in any way
Consumer complaint received 2023-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had my last direct deposit with Bofa deposit along with some other deposits on XX/XX/31. Totaled about {$1200.00}. I used XXXX XXXX balance add feature to withdraw the majority of it. To XXXXXXXX XXXX there was a {$400.00}, three {$200.00} and four {$50.00} transactions. This all went fine except the second transaction for {$200.00} was declined due to " suspicious activity ''. I tried the same amount again and it worked. The account was now at a {$2.00} balance and I had gotten all of my money out. 

When that {$200.00} was declined, there were two transactions that read " XXXX XXXX balance add '' for - {$200.00} and " XXXXXXXX XXXX balance reversal '' for a credit of {$200.00}. Cancelling eachother out. I go to close the account the next morning and the balance is- {$190.00} and the " reversal '' transaction was gone. I called customer service and they basically said I was lying and that I overdrafted the account. I said how is this even possible with an account that doesn't allow overdrafts? I can't just withdraw {$400.00} when I only had {$200.00} in there? It isn't possible! Their response was I somehow did it and they can't help.
Consumer complaint received 2024-01-05
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. (WI)

I noticed 2 inquires on my credit report that was not authorized by me and I asked to get these removed. following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent many letters to fix this issue
Consumer complaint received 2023-09-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

XXXX XXXX  sent me a statement that my mortgage was going from XXXX to XXXX due to my escrow being short XXXX ( my loan payment per the contact is XXXX ) they have already collect that amount and still want XXXX and will not return my payment to normal which is the original letter they sent me stated. They are being unethical and i just want them collect my money and return my payment to normal
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

In XX/XX/, I attempted to use equifax 's online service to unfreeze my credit. There was a " '' temporary '' '' error not allowing me to log in by resetting password. The call line asked me to provide personal information to an agent outside US Jurisdiction, so it was not viable. 

Today, XXXX, I went again to their site and was again blocked by a " temporary error ''. It seems to be permanent. Their phone line wastes everyone 's time by recommending to use the website when the website isn't working, and there's no transparency as to why it isn't working. I was eventually able to XXXX through the phone robot to unfreeze my credit which is a simple task, but still don't have access to their website, or confidence in them as a company. 

Considering the chronic issues plaguing Equifax, such as the massive data breach, and general incompetence for which you can find hundreds of personal experiences online, is there any reason to keep this company around? XXXX and XXXX seem to be sufficient on their own, and I'm sure a replacement for Equifax would operate much better.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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 2017-03-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX in earlier XXXX after became aware of some inconsistencies in my XXXX account in late XXXX XXXX. I had just returned to the US after a 3 years tour in XXXX and was trying to reactivate my insurance to full coverage for my vehicle which was still in storage at that. I needed change my insurance to full coverage because otherwise I had to $ 120.00/Wk for my rental car anyway after multiple calls and bounce back and forth between numerous department regarding and {$8000.00} on my accounts, I finally gave up and decided to contact them back after the XXXX weekend and went ahead and bought insurance from another XXXX. Fast forward to XXXX XXXX, Between the Holidays, transitioning and all the training I had to go, I kind of forget about XXXX until I attend a class in XXXX when I was reminded of the free annual credit report and given a code to check my fico score. After I became aware of multiple discrepancies on my credit files, I contacted XXXX and the companies in question requesting information to assist me in addressing the fraudulent and or erroneous transactions. I finally received a response from XXXX in which its representative XXXX XXXX declined to investigate because I did not provide them with sufficient information. Unfortunately I do n't have any additional information, because I did not open the account, and have verified with my wife whom has vehemently denied opening the fraudulent account. XXXX is one of the best company out there and very military friendly which is the reason I am very surprise by their response. I can not protect myself and get police involved if necessary unless XXXX provide me with the requested info. Thank you!
Consumer complaint received 2017-03-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (OH)

I receive XXXX income on the XXXX of ' each month. My XX/XX/XXXX XXXX payment was inadvertently sent to the incorrect PNC checking account. I notified my local XXXX office and my bank, PNC. I held a three-way call so we could resolve the matter. PNC was able to locate the funds which was being held in another customer 's account ( name withheld for privacy reasons ), however they only placed a hold on the customer 's account. PNC initially stated that they could transfer the funds to my account, but later explained that the government would need to re-call the funds and re-deposit the ACH ( Automated Clearing House ). However, PNC did not offer a " provisional credit '' which would have prevented additional fees and overdrafts to our account ( my spouse is an account holder as well ). PNC agreed to refund {$660.00} in fees charged to my account if I provided a letter from the government admitting fault. I was able to obtain this letter from the government and it was provided to PNC Bank immediately. However, a lead at PNC decided to rescind the verbal agreement and was only willing to credit my account approximately {$310.00}. XXXX called to notify me of the change in decision. Additionally, I was told that, as a bank, " PNC had to make money too. '' XXXX contacted me several days later and was also involved with the issue of not crediting the agreed upon amount. I recently spoke with XXXX who was extremely helpful and escalated the issue in a attempt to reach my desired resolution. The last conversation I had was with XXXX on XX/XX/XXXX, who only stated, " We are not going to be able to refund any further fees. '' There was no explanation except, " We already refunded fees. '' This is completely unacceptable since he ignored the purpose of my call and the outstanding problem. The major issue are the bank fees which are continuing to accumulate and we have now paid PNC over {$1000.00} in fees which should have been resolved from the beginning instead of compounding the problem. For example, my recent monthly deposit in the amount of {$1900.00} { XXXX was paid to PNC and only {$700.00} was paid to me }. This same issue began in XX/XX/XXXX and has continued through XX/XX/XXXX! PNC should review the way they handle their financial institution along with excessive fees they charge customer.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-03
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. (GA)

Disputed the fraudulent inaccurate accounts multiple times with supporting documents and they still refuse to investigate or give writing information on how they came up with their verified information with supporting documents. So I advised them with the FCRA 611-15USC 1681i LAW. Demanding proof or deletion immediately.