davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I Properly disputed the accuracy of information being reported on my consumer report by this company. This company is still reporting my name wrong, along with false addresses, and employment history that I do not work for. This company is also falsely reporting the payment history of several accounts. I asked to see method of verification along with payment history from creditor along with statements indicating the accuracy of payment history. I told this company that I do not recognize the E-Oscar system as suffice method of verification. They have failed to properly show me proof of a thorough investigation, which is now causing my consumer report to suffer. I resent letter for a request of fee for damages and negligence on their part. This complaint is for mine as well as their records. If this matter is not corrected I do intend to use the law to the fullest extent to make sure this doesn't continue happening to me or any other consumer of the United States Of America.
Consumer complaint received 2022-09-10
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. (UT)

In accordance with the Fair Credit Reporting act XXXX 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


Account : XXXX XXXX Account number:XXXX Account balance : {$360.00} contact address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2022-10-27
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Innovate Managed Holdings, LLC (WI)

In XXXX of this year, I refinanced my car loan and Innovate Loan Servicing was paid in full. I took the necessary steps to get the refund of the Gap Insurance and a Protection policy. I was informed that the Gap Refund check was sent on XX/XX/XXXX and the Protection check was sent on XXXX to Innovate. About a month ago, I did receive a phone call from a gentleman from Innovate stating that the Gap refund check was was received on XX/XX/XXXX for {$550.00} but he stated that he didn't have record of the {$260.00} check for the Protection policy and he would have to look into yet. I have not yet received either refund. They do not respond to any of my e-mail requests.
Consumer complaint received 2015-12-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a checking account with Bank of America that had been in dormantstatus for a number of years. My balance on the account had been close t {$0.00}. Without warning, they imposed a Monthly service fee of {$25.00}. 
I did not notice this until after the 3rd month where my current balancehad shown roughly - {$75.00} ( Negative {$75.00} ). I went to the bank and theywere unable to remove this. I closed out the account and it still showsa balance of - {$74.00} ( Negative {$74.00} ). 
I am asking for Bank of America to XXXX out my account at no costto me
Consumer complaint received 2017-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NM)

I am a customer associated with the Wells Fargo Bank. I recently became a member of XXXX XXXXs and after submitting my information I was going to receive currency from said app. However, it says that Wells Fargo is a supporter of the application but I have yet to receive anything due to my bank not accepting. I would like to receive the currency to continue being a member of both parties. 
Thank you.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

I am writing to express my frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent entries remain unresolved. 

It is deeply troubling to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise concerns about the security of my account and potential vulnerabilities to fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the security of my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (PA)

I am not liable for this debt with XXXX XXXX OF XXXX and I do not have a contract with RADIUSGLOBAL plus they did not provide me with the original application like I asked. Duplicate Accounts XXXX*Amount Disputed : {$53.00} demand this account to be deleted on my credit report.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-01-10
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)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act. XXXX account numbers XXXX and 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 : This also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2023-06-21
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. (MO)

In accordance with the Fair Credit Reporting Act. XXXX account numbers XXXX and 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 : This also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please contact the Bureaus because I've sent them a letter letting them know these inquiries need to be removed. Due to their noncompliance it has brought me to contacting your company. Please see attachment
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Meade & Associates, Inc. (KY)

I contacted XXXX on XXXX separate occasions, the latest which was XXXX/XXXX/XXXX. At first, I did n't recognize the items because the entity on the report was different than those listed on the report previously. The credit bureau investigated the item and found the original creditor sold the debt to a collections agency called Meade & Associates, and informed me the information was accurate and provided the following contact information : Meade & Associates XXXX XXXX XXXX XXXX 
XXXX, OH XXXX Ph : XXXX On XXXX/XXXX/XXXX, I filed for bankruptcy and placed under the automatic stay pending the discharge. Upon its discharge on XXXX/XXXX/XXXX, I obtained credit reports to verify the correct reporting of the items included in the bankruptcy. The accounts held by Meade & Associates had account numbers as follows : XXXX XXXX XXXX XXXX XXXX These accounts were reflected to show a XXXX balances with the correct tradeline entry stating the account was XXXX in Chapter XXXX bankruptcy. However, the company failed to report the accounts as closed and are still reporting them as outstanding, derogatory balances. 

The collection agency in question confirmed that they had received notice of the original filing and further down the line, an order of discharge. These documents were also made available to XXXX and later sent to Meade & Associates to support my claim. I contacted Meade & Associates on XXXX/XXXX/XXXX to ask for a correction of this erroneous information and was informed that they would take no action to change the reporting of these items. I told them about what I had gone through in the dispute process and that I would take further steps in order to compel a change in the reporting of these accounts and was sarcastically told " Good luck with that. '' and reiterated that they had no intentions of changing the reporting of these accounts. 

The same dispute with XXXX and XXXX resulted in the removal of those records from their respective credit reports. All documents supporting my position are attached to this complaint, including the schedules of my bankruptcy that reflect the inclusion of these debts and the discharge order itself.
Consumer complaint received 2023-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc. (ME)

Ive attempted multiple times to dispute medical held collections held by the thomas agency and they have removed some from just one credit report but refuse to remove those same collections from the other reports as well in violation of the fair credit report act. As well as they have provided zero proof of debt for these debts and have refused to provide proof beyond stating i owe these debts to them. The lack of proper management and procedures to report debts and handle them has negatively impacted my ability to get loans credit cards and home loans. As well as forced me to take higher interest rates
Consumer complaint received 2023-05-17
Product: Credit card or prepaid 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 (AZ)

Bank : Wells Fargo Type of card : general credit card Issue : incorrect charges on account ( for purchases never made ) and bank resolution of dispute. 

Over a period of a few days, three charges appeared on my account from XXXX. They were, with the dates as shown on my credit card account statements : 1. {$26.00} on XX/XX/2023, 2. {$26.00} on XX/XX/2023, 3. {$33.00} on XX/XX/2023. 
Of these, only the {$33.00} charge was legitimate. I did not make the other purchases. 
I submitted disputes to Wells Fargo as to the other two charges. 
Wells Fargo resolved the dispute as to the XX/XX/XXXX charge. 
Wells Fargo forwarded the false XX/XX/XXXX charge to its fraud department. 
I received a letter on XX/XX/2023, stating that the fraud dispute was denied. Upon contacting the Wells Fargo claims center, I was informed that because I had made purchases at XXXX before, this was a " dispute, '' rather than a " fraud '' ( as Wells Fargo understands those terms ), and that therefore there was no fraud. I was then informed that because the issue was analyzed as " fraud, '' it was considered resolved and could not be further pursued. For example, it could not be pursued as a " dispute. '' I was left with a false charge on my account. 
I was not the one who had forwarded the claim in question to the fraud department ; Wells Fargo did so through its Claims Center. I had provided Wells Fargo with all of the information as to the transactions in question, either in writing or through phone to the Claims Center. Wells Fargo was aware that I had made other purchases at XXXX. The terms " dispute '' and " fraud '' as Wells Fargo understands them are not legal terms of art that customers can be expected to understand. They are merely specialized internal terms that Wells Fargo uses. 
I am left with a false charge on my account due to the ineptitude of the claims team as to their own procedures and the inadequacy of said procedures for claim resolution. Furthermore, the procedures are affirmatively misleading.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Hey I'm XXXX XXXX and I have Never had a credit card and recently found out that I've been getting XXXX  for my credit for almost XXXX  years!!!! Because of this it would be almost impossible to round up all the documents for you, But if it's helpful I know who's been doing it!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do know that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I'm aware of, PLEASE HELP ME, ITS EXTREMELY TOUGH ON ME TO GET BY AND ITS EVEN WORSE THAT ITS XXXX THANK YOU
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This is a formal complaint against Equifax. Equifax has been reporting discrepancies on my credit report. 
I sent Equifax a certified mail letter to dispute this item with the tracking number XXXX delivered on XX/XX/XXXX at XXXX Equifax has not picked up their mail yet since it was delivered. 

The Mailbox Rule is a common law concept that is the default rule governing mailing and communication contract. Once an offer has left the offerors hands, the offer can not be changed materially, even if circumstances change. The contract is considered accepted as soon as the acceptance is dropped in the mail.

The Mailbox rule is clear that the contract starts once the communication contract its dropped in the mail. Since Equifax has not picked up their mail, I refused equifax to do any investigation regarding this account except to Delete the account IMMEDIATELY. SHOULD EQUIFAX PUT THIS ACCOUNT INTO DISPUTE AFTER RECEIVING MY COMPLAINT I WILL FILE A CLAIM WITH DISTRICT COURT.

I must remind Equifax that the FCRA LAW states information reporting has to be 100 % verifiable and 100 % accurate. Its their duty to ensure that all information reports to be consistent and most importantly accurate and Equifax failed to do so. 

This account number XXXX is a revolving credit and a revolving credit account and a revolving account gets reported 180 days past the due date as a charged off. However, this account history is not reported accurate. 

XXXX. Equifax is reporting payment history in XX/XX/XXXX past due 30 days, 60 days in XX/XX/XXXX and stopped reporting in XX/XX/XXXX. Nowhere mentioned of the last payment or charged off. 
XXXX. Equifax report is blank 3. Equifax is reporting monthly payments blank 4. Equifax is reporting high credit balance blank 5. Equifax is reporting past due blank.

6. Equifax is reporting the date of payment blank 7. Equifax is reporting last date of active blank Violation 15USC1681 ( a ) Although Equifax its aware about this violation but is still reporting false misleading information on my consumer report.

The law is very clear as to the Civil liability and remedy available to me for negligent noncompliance ( Section 617 ) Equifax hereby put on notice that they are in violation of several US CODES which I can be seeking {$1000.00} per each violation. 

Reminder of XXXX Vs XXXX Information XXXX XXXX XXXX ( XXXX ) and XXXX vs Equifax Information Services LLC ( XXXX ). These consumer won their case against the bureau. 

FAILURE I WILL FAIL A CLAIM WITH ALL THE EVIDENCE I HAVE. 

ENCLOSED YOU WILL FIND DISPUTE LETTER, XXXX REPORT, XXXX XXXX XXXX.