davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Leif Technologies Inc. (MT)

I had an income share agreement for 7 % for 24 months. I have been making these payments and reporting income changes in good faith. Couple weeks ago, I made my XXXX payment and was happy to know that I have XXXX payments left. Couple days ago I logged in and noticed that my account has a large negative balance, meaning I overpaid. The account also showed that I have only made XXXX payments so far and have XXXX payments left. 
Astonished, I also reviewed the income reported and it showed that I have not reported any income for any previous months. This is not possible because : XXXX. The website does not allow me to make payments if the income is below {$3300.00} amount. However, I have made payments and the account showed that I had XXXX payments left. Thus, if I did, indeed report {$0.00} income, then I would NOT be able to make these payments. 
XXXX. I called " customer service '' and it went to voicemail, which never got a reply. All my emails went to scripted responses apologizing for the " inconvenience '' and telling me I have to keep paying or that I have to fix my mistake for having underreported income, which : a. I do not know what to fix because the amount they claim I under reported is greater than the amount I made that year. For example, they claim I under reported $ XXXX in XXXX. However, as you see from paystubs, I only made -- to the best of my knowledge, less than $ XXXX that year! The only other job I had that year was a job held prior to the begning of the contract, but EVEN if they wrongfully count the income from that job, I only worked part time at $ XXXX so that income would fall UNDER the minimum {$3300.00} at which I have to start making payments per contract ( see attached pay stubs and contract ). 
b. The place they referred me to " fix '' is not working. There is no link. There is just a greyed out page saying that I under reported the income. 
XXXX. Per the terms of the contract, if I did under report my income, then they need to spread out the under reported amount over the course of the remaining payments left. In this case, I only have XXXX payments to make. I do not understand why they take liberty to just reset my XXXX and make it start from the beginning simply because they allege I under reported my income by an amount larger than total income that year! These allegations from them I have in writing.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened a Business Economy Checking account in XXXX with Bank of America. I deposited the required minimum balance of {$3000.00} to avoid any fees. This account has not been utilized at all since then. The account simply sat dormant for over a decade. Recently, I did a name change and at that time it was brought to my attention that monthly fees were being incurred. I have numerous accounts and a lengthy relationship with the bank and they knew that was very unusual. 
Apparently, my account was changed to a Business Advantage Fundamentals Banking Account at some point in XXXX. This account requires a {$5000.00} minimum balance. I was never notified. Over the past few years $ XXXX has been charged to my account and I did not catch it until now. I never authorized my account to be changed. When I reached out to the bank I was told they could only refund a few months of fees. I am still owed {$490.00} in fees. 
There was no acknowledgement or authorization to change they type of account I opened in XXXX. If the product was no longer available, the account should have been closed if they could not reach me. 
On XX/XX/XXXX a formal complaint was written within the bank and my request for a refund of the fees was declined.
Consumer complaint received 2023-11-08
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. (WI)

According to the Fair Credit Reporting Act : The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. these liberties have not been afforded to me. I must be told if information in your file has been used against you. I have not been informed accordingly as well credit reporting agencies must correct or delete inaccuracies, incomplete, or unverifiable information. Also it states consumer reporting agencies can not report outdated negative information.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian now has sent me a email requesting my information again and I refuse to send them my information again, they already changed my credit card 2 times for a month and had to cancel the subscription and i am not giving my social security number
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to is 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( I ) Late payment Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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. (VA)

This is XXXX XXXX XXXX please 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 2023-04-27
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: EQUIFAX, INC. (LA)

See Attacched Valdity of Debt Doc Despite my previous 2 written requests, the unverified items listed below remain on my consumer report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did.

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (NV)

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 1. XXXX XXXX, Account # XXXX XXXX. XXXX XXXX Account # 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 : Also states a consumer reporting agency can not furnish an 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 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 ) States 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 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which I believe have been included in error. I demand that you investigate and rectify this situation with utmost urgency and aggression. I was the victim & I'm 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. 

Upon reviewing my credit report, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an alarming breach of my financial security. 

XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

It is imperative that you delete these fraudulent accounts from my credit report immediately, as they are tarnishing my creditworthiness and causing me undue distress. I expect you to exercise due diligence in this matter and resolve it in the shortest time possible. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate and fraudulent information be promptly corrected. Failure to comply with these regulations will result in legal action being taken against the credit bureau. 

I insist on receiving regular updates on the progress of your investigation and the actions taken to remove the fraudulent accounts from my credit report. Any delay or negligence in addressing this matter will be considered a violation of my consumer rights. 

Please treat this dispute with the urgency and severity it deserves.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

I was charged {$570.00} as a deposit from XXXX XXXX XXXX on XX/XX/23 and have contacted both XXXX and Wells Fargo about the funds being returned. The funds were supposed to be returned as XXXX  days after rental return. I contacted XXXX and they said they have no say in it and advised me to contact Wells Fargo about the situation. I contacted them and have had the claims process started, no information has been given past an email I recieved on XX/XX/23 informing me the process has started. I would like to see if I can have the charge returned to me or have this looked into to make the process go faster than a XXXX XXXX. Their website saying within XXXX  days hasnt been met and I am still missing the {$570.00} from my account. 

Attachment XXXX is the withdrawl for the deposit Attachment XXXX is the charge without the deposit ( from XX/XX/23 ) Attachment XXXX is the charge with the deposit ammount ( XX/XX/23 )
Consumer complaint received 2023-11-21
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. (TX)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to XXXX that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I submitted a formal complaint to Experian, XXXX and XXXX XX/XX/XXXX asking them to verify the bankruptcies XXXX XXXX case # XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX and case # XXXX filed XX/XX/XXXX that is on my profile with them XXXX and Experian didn't respond but XXXX send a letter stating they verified the bankruptcies with a company called XXXX XXXX XXXX. I understand according to the Fair Credit Reporting Act 15 U.S.C. 1681g Section 609 they are to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit profile also I understand XXXX XXXX directly owned by Experian which makes them " affiliated ''. As such, anytime an affiliate shares/furnishes information, with the FCRA right to privacy as a consumer, they are supposed to notify you before they furnish any information granting you the option to opt out and they didn't. XXXX XXXX is getting that information from a 3rd party XXXX and furnishing that information to Experian, XXXX and XXXX without permissible purpose 604 15 U.S.C. 1681b.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am not responsible for this account. This account belongs to my deceased husband, XXXX XXXX. The vehicle was repossessed and sold. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WI)

I send the following message to XXXX because I do not have an email provided from them to deal with my previous complaint that is currently being investigated. See complaint no. XXXX filed with your office on XXXX I also filed complaint to dispute this transaction with Wells Fargo on XX/XX/ and haven't received a response back. This is what led me to contact XXXX who was handling the previous complaint with your office. They are not being too responsive to the matter. This shouldn't take this long to get a credit back to my account. 

I need to add to this complaint, as I reached out to the contact who is supposedly " investigating '' my complaint at Wells Fargo and told her how I was charged for items I ordered on XXXX on XX/XX/, but then about an hour later cancelled them because they were ordered by my husband erroneously. The total was for {$66.00} and XXXX cancelled the order IMMEDIATELY about an hour later, zeroing out the invoice telling me that nothing was billed. However, when I placed the order I immediately saw the " Pending '' transaction in my account. I watched for the transaction to drop off since XXXX confirmed nothing would be charged, but it never dropped off, but instead posted and deducted to my account and it still remains DEDUCTED from my account through tooday. I have attached the screenshot showing the cancelled order with the order number from XXXX from XX/XX/ for these two items. I expect this credit to be reversed IMMEDIATELY. 

When I called XXXX who is handling the complaint I made to the Banking commission, she was supposed to send me her email address so I can send her the invoice that XXXX shows as ZERO dollars because the order was cancelled. She never sent me an email so I can email her and when trying to call her back her voicemail is full so I have no way to reach her. 

Again, I expect this credit back to me IMMEDIATELY, as I don't know what is going on with Wells Fargo, but the financial transactions are ridiculous. 

I expect acknowledgement of this email promptly, as I also filed a dispute and have not heard anymore regarding this particular transaction.
Consumer complaint received 2024-04-22
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. (GA)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (NC)

I have one business credit card ( XXXX ) through Truist for my small business, XXXX XXXX XXXX, XXXX. My business checking is also with Truist. In XX/XX/2023, a second credit card appeared on my online accounting. The balance due mirrors the balance due on my Truist XXXX credit card, but Truist is showing that the total amount owed to them is double that XXXX balance amount. For example, I owe {$100.00} on my Truist XXXX card. Online accounting shows this, but also shows a second credit card with a {$100.00} balance as well. My Truists online banking accounting says I have {$200.00} in loans/credit. Truist has been very difficult to contact. I waited 52 minutes to speak with someone on the phone and had to hang up because I had a meeting. I waited 41 minutes a second time on the phone and the Truist employee said the second credit card is simply how Truist handles their accounting. That was the only explanation given. I went to my local branch and waited 15 minutes to speak to someone. The teller said she had no idea why there was a second credit card on my account. I requested a phone call meeting with Truist today ( XX/XX/23) and although I received email confirmation about the call, no one called me. I finally left work early and met with Truist employees in person at my local branch this afternoon ( XX/XX/23 ). After they contacted costumer service, I was told Truist has a glitch in its system. Thats their word. They offered no additional insight other than I wont be charged interest for the doubled amount due, told not to worry, and encouraged to be cautious when I make payments online that I pay the correct card. I have no reassurance other than one persons word. She did not understand nor could she explain the disparity. The two credit card accounts do not match : one is in my name, one is in my businesss name and yet they have different credit limits. I have been trying to get an explanation and remedy now for 2 months. I have lost confidence in this bank. I do not suspect fraud, but should I? I definitely suspect incompetence. I suppose I will just have to watch closely that Im not hit with interest/fees for double the amount owed. I only have one business credit card, but Truists accounting shows two, with the same charge amount, and can not explain why or correct their error.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX I requested documentation from the creditors such as statements showing I was in fact late otherwise update this late payment to paid as agreed. 
Creditors included XXXX XXXX XXXXXXXX XXXX and XX/XX/XXXX {$510.00} XXXX XXXX and XX/XX/XXXX {$100.00} XXXX XXXX XXXXXX/XX/XXXX {$12.00} XXXX XXXX XX/XX/XXXX {$79.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} After 30 days I received no updates or documentation. I again reached out via phone to all three credit bureaus letting them know I had verified letters to creditors and bureaus to which I was told they had 60 days. Which is incorrect. A cycle is 30 days for response. This has been on going with these reports for over a year. I also have security breach letters from 3 of 5 creditors during my time with account with them.
Consumer complaint received 2024-01-03
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. (FL)

I did not authorize these fraudulent inquiries on my consumer report and according to the FCRA I would like to be removed or deleted immediately Thanks XXXX XXXX XXXX, credit cards, XXXX XXXX XXXX XXXX XXXX XXXX credit cards, XXXX XXXX XXXX XXXX