davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I made my monthly payment on the XXXX of XXXX which I always pay on the XXXX or XXXX. I had just spoken to someone at the company to say my payment is made and now I get a XXXX point decrease in my credit because they are claiming XXXX XXXX delinquent. I havent been delinquent on my car since XXXX or 2023. They done offer deferments or payment assistance. When I was delinquent they always harassed me but never helped me
Consumer complaint received 2023-12-08
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (CA)

In my understanding of my membership the outline is to support the development of my credit to monitor update however there seems to be some illegitimacy as I find myself disputing cases that are closed and should no longer remain. There is mis-information lil my SSN Ive never seen those numbers neither of them belong to me, there permissions given to track the data collected yet no one is tracking I am glad I was able to submit the original details My complaint is generally on the inability and acceptance of what ever is reported to these main source of information to the public Who based on whats visible determinations are made whether that information is accurate or not its displayed so how is it you raise the price of membership when there is no support for the consumer if youre going to add anything to record.If you arent going to help by updating the information accurately than maybe its time shut down Because your becoming apart of the problem and suggestive application is not a solution your ruining lives. Many of us pay our bills sorry its hard for you to believe.
Consumer complaint received 2023-12-22
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: WELLS FARGO & COMPANY (CO)

I am writing to express my deep concern and frustration regarding an ongoing issue related to fraudulent activities on my Wells Fargo account, as well as the bank 's alleged violation of Regulation E. 

I initially reported the fraudulent activities in XXXX and assumed the matter had been appropriately addressed. Unfortunately, I recently discovered, while reviewing my tax records, that the issue persists due to what appears to be a series of oversights and errors in handling the fraud reports. 

Despite my repeated attempts to rectify the situation by filing additional reports in XXXX, it has come to my attention that these subsequent filings were mishandled as well. The matter has now been escalated to the executive office, where I find myself in a disconcerting situation, with the bank attempting to hold me liable for the fraudulent charges. 

The explanation provided by Wells Fargo 's fraud team, suggesting that my continued payment of credit card bills implies my awareness of the situation, is not only inaccurate but also unfair. I made those payments under the assumption that the bank had taken appropriate action to address the fraud, as any customer would expect. Furthermore, if I did not make these payments that are required by law Wells Fargo would have reported a delinquent account and immensely hurt my credit. 

The fraudulent charges include expenses for a dentist, lawyer, and various other items, totaling over {$10000.00}. I want to emphasize that I have not visited a dentist in the United States other than my longstanding dentist in XXXX, who has been my sole dental care provider throughout my life. 

This incident raises serious concerns about Wells Fargo 's commitment to honesty, professionalism, and adherence to federal regulations, especially concerning the mishandling of Regulation E. As a disabled person, the situation is particularly distressing, and I believe it is imperative that this matter be promptly and thoroughly investigated and resolved. 

I kindly request your immediate attention to this issue, aiming for a fair and just resolution in compliance with regulatory standards. I trust that Wells Fargo will address this matter with the urgency and seriousness it warrants. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lockhart, Morris & Montgomery Inc. (GA)

They called me at my job several times harassing me. Pressuring me into signing a document telling me they was going to sue me and that I was going to pay a bunch of money if I didn't agree to there offer. This medical bill was from 2009. It was expired. But I didn't know until after they pressured me into agreeing to make payments on the bill. And now it's on my credit report on all three credit bureau as a Negative mark.
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

This notice is to inform you that PORTFOLIO RECOV ASSOC has unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F that went into effect XX/XX/2021, PORTFOLIO RECOV ASSOC has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. I sent them a Cease and Desist letter over a month ago and they are still calling and harassing me from a lot of different numbers throughout the day and evening. I do not know who they are. They have not provided any required documents or contract to prove that I owe them anything. This harassment needs to stop. They have no permissible purpose by law to contact third parties with my private or personal information
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-15
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-26
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Shore Financial Services, LLC (NJ)

I am writing to formally dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : UNITED WHOLESALE MOR XXXX Date Opened : XX/XX/2023 Balance : {$710000.00}. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC (CA)

These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.
Consumer complaint received 2018-11-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SC)

XXXX XXXX XXXX in XXXX ny was closed down, due to law suits against them. Unfortunately anyone whom attended before XXXX had to continue to pay their school loans. Anyone currently attending at the time, loans were forgiven. I lost my job at the time and was married. I called navient to lower my payments enough where I could make minimum payments however they denied me a income driven repayment plan or any plan. Instead they offered loan forbearance. Letting me accure interest. Since I had no choice and they gave me no other options or alternatives, nothing to help me just forbearance. I started off with a {$32000.00} loan now {$37000.00} loan and I've been paying since XXXX now its XXXX. Im complaining about how the school has never given me options and continue to not give any other options til this day. Their exact words " you've exhausted all your options ''.
Consumer complaint received 2023-08-04
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. (GA)

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 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  has violated my rights. Or 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 2023-04-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have contacted Experian, several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a consumer.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Hello-I would to submit a formal complaint with XXXX, the consumer credit reporting agency. Due to recent identity theft, I have an account with XXXX and my credit report was on 'freeze ' with them. I came to learn that someone ( fraudster ) hacked into my account and lifted my credit freeze on two occasions ; XX/XX/2023 and XX/XX/2023. According to XXXX, a person logged into my online account and lifted the credit freeze ( twice ) but that was the only information they provided me. I don't understand how someone can just hack into an online account without XXXX password nor my e-mail password. ( When you log into XXXX, there is a 2 step verification/ authentication where a XXXX digit numeric code is sent to your e-mail from XXXX XXXX but I didn't receive these codes on both occasions ; XX/XX/2023 and XX/XX/2023. ) I'm think this can be an inside job? I still want answers around who hacked into my account and how they can prevent this going forward. When you call in, the XXXX representatives always asks me and other consumers their Social Security No. 's ( full XXXX digits ) and other personal information when you try to resolve issues with them. This is a big concern as I have experienced a security breach and the fraudster tried to open numerous credit cards ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXd ) during this time period. 

I had a very similar experience with Equifax, where they told me that someone ( fraudster ) called in and lifted my 'credit freeze '. How can this be possibly done? Equifax did provide me with a confirmation no. XXXX. 

This is a serious matter. The companies and letting fraudsters unfreeze credit reports. I am not sleeping well, and restless thinking that someone can hack into my account anytime and unfreeze my credit report. Please help me, thank you!
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have applied for Capital one Savor one credit through XXXX XXXX. The advertised rate was 19.99 % - 29.99 % with a {$200.00} bonus if I spend {$500.00} in the first 3 months. 

I hit continue and I was approved for 30.74 % and I spent {$600.00}. I come to find out that there is no bonus to redeem. I called customer service and they had two different stories to tell me. The first representative said that my credit is " good '' and not " excellent ''. Although, my score is XXXX and I never defaulted on a loan, declared bankruptcy or had a late payment. 

The second person I spoke to was a manager, he claimed that I have applied for the " good credit score '' card instead of the " excellent credit score '' thought their website when I have clearly applied through XXXX XXXX and not their website. 

Another agent told me to send a letter to genral correspondence. I did that and they wrote back telling me to call customer service. 

On XX/XX/2023 They opened a case for the issue. However, the case was closed on XX/XX/XXXX with basically 2 different answers. The 1st one was " there was no errors on our end ''. The 2nd was " you weren't approved for the 0 % apr and welcome bonus '' Capital one is false advertising on XXXX XXXX to bait new consumers into getting their card. Due to having 2 credit inquiries this year I won't be able to get another card or at least a decent one according to XXXX XXXX.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America are depriving consumers the opportunity to open end consumer credit plans, the requirements for home equity plans, which is clearly against federal law, per 12 CFR 1026.5, 12 CFR 1026.6, 12 CFR 1026.40, per 15 USC 1637, 15 USC 1637 ( a ) ,15 USC 1691.
Consumer complaint received 2019-02-27
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (TN)

I purchased a money order while out of town in XXXX, Georgia to payment my car payment for {$550.00} from XXXX 's on XXXX XXXX XXXX. The money order was lost in the mail. In XX/XX/XXXX I sent them the required paper documents to XXXX XXXX in XXXX, Colorado but they said they did not get it. I send it to them again by email and they send me back a copy of the money order showing who cashed it. I would like my money please!
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

Experian shows incorrect record from XXXX XXXX XXXX for a medical record not owned by me. They show records from that hospital multiple times. I have tried to reach many times to them and they validate that the person they intent to report is not me but someone else but again next time that appears in my report. I have lodged a complain with them sharing my Id details and report too.