davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (TN)

My disputes are not being processed correctly. I have been a victim of identity theft and I sent the FTC report to the credit agencies. They are not attaching the paperwork I filed according to the FCRA. And I am not getting copies of the verification process per the FCRA>
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied for credit card. 
Was able to activate credit card. 
Used credit card 4-5 times. 
Attempted to make several payments, all with no success. 
Payment bank card has funds available to cover full payment. 
No issues with payment card or bank account. 
Tried directly linking bank account routing and account number, still no success. 
Late fees continue. Credit being hit. NO PAYMENT STILL ACCEPTED. 
Tried to have someone else make a a payment on my behalf, again with no success. 
Was told by credit card company that my bank was the issue. It is not. 
Was told by credit card company that they had no legal department I could speak with. 
Was told by XXXX XXXX XXXX that they do not give out supervisors names. 
Was told by credit card company that I would not be able to access the voice recordings from our conversations. 
Still unable to make a payment. 
Still accruing late fees.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have sent letters every month since XX/XX/2018 to correct my personal information. I have incorrect names, address and employers still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.
Consumer complaint received 2023-04-25
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. (FL)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : 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 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 2018-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (PA)

Submitted both electronic and mail disputes with Experian in XX/XX/XXXX. I received a response from my electronic dispute which none of the judgements were removed from my credit profile. According to Experian I am unable to dispute the same account again for 3 months even though I do not agree. I have mailed them a response however each time i mail them I never receive a response. Electronic disputes and complaints are rarley handled appropriately. I received none of the evidence gathered from the creditors to validate these open court cases being listed on my credit profile as closed accounts with negative balances. These cases are still active in court, I am not aware of how Experian obtained this information and they have not shared that information with me. I have enclosed a form from the XXXX XXXX XXXX  XXXX which begining in XX/XX/2017 all non credit accounts were to be removed from credit profiles. In addition I have sent a copy of this to the credit bureaus as well, to have these non credit account open cases removed from my credit profile.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

On XX/XX/year> I sent certified letters to all 3 credit bureaus demanding they remove all collections from my credit report because XXXX XXXX XXXX along with their partner company XXXX XXXX  are NOT LEGALLY licensed to collect debt in the state of Alabama and when requested could not provide proof of purchase nor the purchase agreement as well as not being able to provide the terms of the purchase agreement.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America opened up a checking account in my name and sent checks to me and a debit card I did not open. 
Constantly sending me false statements of someone else depositing money in XXXX, California useing the account for transaction deposit and XXXX. I have the statement. I have never been in a Bank of America here in NJ. I asked them to close it and they claimed they have but keep sending me statements. If nothing is done I will file a police report.
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

One off my ex boyfriends n friend stole my computer drive n all my identy ss card address dob dr licsence number w2 form and spent a lot off time digging into my life history to steal money I believe overseas money transfers being done by them lots off money laundering Credit card XXXX  cards all done under my identy its insane they were paid to harm my life by my mother n ruin me my mother was hiding money inheritage money from me well all my identy gave thm access to steal money ALOT off money n they are using my identy even did taxes last yrs there ruining my life plus mortgage credit card plus auto loans out its insane need to be stopped I made police report told I had to contact u guys on this matter there transferring a lot off money to XXXX XXXX pay paid XXXX XXXX  accounts from a bank that could be put off XXXX XXXX XXXX due to my ip address XXXX email contexts my computer to them XXXX had a alert off hacking today theres credit cards under my name used I got no way off stopping them or this been going on few yrs Im tired Im disable n this is a lot needs to be stopped
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. (NC)

I appreciate your assistance in getting some fraudulently obtained material from my credit file deleted but there are still things that I haven't had removed or banned. As mandated by FCRA section 605, you must remove any records that appear on an ID THEFT REPORT. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your repeated disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX Balance : {$880.00}
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

Sending this complaint means that I am expecting a deletion from you within the upcoming 15 days as I am updating my credit reports. And I am positively anticipating such resolution to fix the negative impact brought by these fraudulent items that I listed in complaint. I also included in this complaint just like my previous complaint dated XX/XX/XXXX, the FTC Reports that I filed with reference # : XXXX, XXXX & XXXX. I really appreciate the efforts done by the Bureaus to remove some items but these items should be included in those items that were already REMOVED from my credit file. Please see the items that I listed in each Bureaus, for your reference : -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -EQUIFAX -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance XXXX {$3300.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX -- -- -- -- -XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXX  Balance : {$3300.00} XXXX XXXX XXXXXXXX XXXX : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX
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: LEXISNEXIS (WI)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any accounts are reporting inaccurately on my credit report they should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (PA)

I am writing to formally submit a complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 
151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2017-05-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Choice Recovery, Inc. (FL)

Choice Recovery violated Public La w 95-109, Section 805-C, THE  FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST. THEY DID NOT CEASE AND DESIST AS THEY DID NOT REMOVE THE DEROGATORY INFORMATION FROM ALL OF THE CREDIT REPORTING BUREAUS FILES.       I was advised by the credit bureaus, that  Choice Recovery placed th e account for collections per attachment.     I submitted per attachment under Public La w 95-109, Section 805-C, THE F AIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices A ct. 15 U.S.C.A 1601.1692 et  al, and to remove the derogatory information on my credit bureau files.       CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices A ct. 15 U.S.C.A 1601.1692 e t al, and to remove all derogatory information on my credit bureau files.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct violation of the Fair Credit Reporting Act XXXX & XXXX Last XXXX XXXX XXXX, XXXX  {$120.00} Open balance XXXXXXXX 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 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 XXXXXXXX 15 U.S.C 1681 section 602 A.Clearly 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 an 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 Please remove these accounts and address off my report immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2019-11-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo released the lien on this vehicle and gave me the Title after a year of trying to get them to pick it up. They deemed it not valuable or resellable due to the odometer rollback by XXXX dealership before my purchasing. They were the reason I was filing Chapter XXXX because the discharge Wells Fargo put on my credit XX/XX/2018. I'm enclosing a copy of the lien Release from Wells Fargo and the bill. I called and spoke to a XXXX XXXX who told me '' he didn't care about a lien release I stilled owed the debt and that I was not special who did I think was nobody gets a release for free this needed to be paid that I drove the car and used up its value!
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I deposit a check that was paid to me of {$22000.00} and bank of America had a whole week to to verify the check and made it available on XX/XX/2019 and wen i was doing a transfer wire money they stop my fund and froze/ my account and took away my funds. It was the worst XXXX year ever in my life and ended up in the streets homeless
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

I called in to the customer service line to as I was not able to send an ACH or wire transfer from my account. After holding for an extensive time the representative and supervisor insisted that I visit a branch. I refuse to visit a branch as I should access online to send a transfer from my account. However after several minutes of going back and forth the supervisors keeps insisting that I use XXXX. This is unacceptable as I should have access to all features online and should not be required to go into any branch to complete my transactions.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had this information removed from my credit report. It was re-inserted without me being properly notified. This is a clear violation of FCRA I have enclosed a copy of my consumer report from XX/XX/2023 where it was removed and a consumer report from today showing that info as being back on my report without following proper procedure as outlined by the FCRA. 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). ( i ) Certification of accuracy of information - If ANY information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information- As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted. ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. According to my records, your company has done none of the above and if you have, please provide dated proof that you have provided me with ALL the provisions above. If you can not do that, THIS IS A CLEAR, AND DIRECT VIOLATION of my rights as outlined by the FCRA. The item must be removed from my report.
Consumer complaint received 2023-12-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (NC)

Settlement for Wells Fargo to account holders for unethical business practices brought to light by CFPB. 

I've just received a check for Remediation for a Credit account that was opened without my consent and discovered that all the treatment I've endured from Wells Fargo for checking accounts, mortgage, and auto loan were illegal and would also be entitled to separate Remediation checks. 

I'm assuming that I'll have to file separate claims for each of the accounts. 

Below documents show a fraction of the letters Wells Fargo sent every few weeks to reassigning a new Home Preservation Specialists that had me chasing my own tail for years trying to refinance an existing VA mortgage of XXXX opened in XXXX. I initially attempted to refinance in XXXX but was tortured with run around until XXXX when I received a notice of foreclosure.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

hi im just making a follow-up on the dispute letter that I sent on XX/XX/2022. its been over a month no, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.
Consumer complaint received 2023-12-08
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. (CT)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-12-07
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I paid my balance on XX/XX/2023 = {$14000.00} Bank of America informed me at this time my account would be zeroed out Then Bank of America took an additional {$14000.00} out of my account in XX/XX/2023 I have made multiple phone calls with an average hold time of 50 minutes I received an email on XX/XX/2023 that I was to get the refund never got it more phone calls When someone finally came on the phone then discussed refund with supervisor said it would be an additional 10 days I said that if I owed you the money you would charge me a lot of interest XXXX hung up I called back again waited 42 minutes when I asked to speak to a supervisor I was Immediately disconnected AGAIN