davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
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: EQUIFAX, INC. (AL)

On XXXX XXXX  2018 I reported to XXXX, Equifax, and XXXX that an account appearing on my reports was fraud. I notified idenitytheft.gov and followed there reporting procedures for identity theft. I sent a certified letter to XXXX  and all 3 credit reporting agencies. XXXX immediately removed the account, but XXXX  and Equifax  have not.

Know XXXX is reporting this account as 90 days past due and charged off. This has resulted in my credit being damaged and has effected my credit.
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX traveled from TX to CA to pick up my mother 's safe deposit box. I had all the documentation, had an appointment. Wells Fargo Bank refused me access to my box because of an back office on their end. Wells Fargo Bank - XXXX XXXX XXXX - Assistant Vice President - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, CA XXXX- I left with the understanding that my box would be inventoried and shipped to me after their back office issue was fixed and showed up in their computer system. I picked up my box XX/XX/XXXX, found out that it was shipped improperly per bank protocols and all the currency and coins were missing. This was a branch to branch shipment. I was refused access to my bank when they knew I had traveled XXXX miles to pick it up and someone in the XXXX XXXX branch conspired and robbed my box. I have contacted Wells Fargo Corporate, and I'm working with them, they acknowledge this should not have happened and are apologetic. A crime has been committed here and I need assistance.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I Couldnt Log Into My Online Account With Equifax, It Was Prompting Me To Call In To Their Customer Service Line. I Had A Hard Time Getting A Hold Of An Agent And Then I Finally Got XXXX On The Line, Who Was Rude And Patronizing. XXXX Purposely Flagged My Account Forcing Me To Mail In Identity Documents, EVEN THOUGH SHE WAS ABLE TO SEND A TEXT TO MY PHONE FOR ME TO UPLOAD MY DRIVERS LICENSE. I wasnt happy about taking a selfie, XXXX Refused To Give Me Her Agent ID # And I Had To Ask To Speak With A Supervisor, She Transferred Me To An XXXX Agent # XXXX. This is ridiculous and Equifax needs to hire agents in the USA, i highly doubt that womans real name was XXXX, thats her fake American Name. I called in around XXXX EST on XX/XX/2023.
Consumer complaint received 2023-08-03
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2022-12-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an accounts 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 XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX .... Balance : {$1500.00} ; XXXX  XXXX XXXX XXXXXXXX XXXX .... Balance : {$12000.00}
Consumer complaint received 2023-02-22
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. (FL)

1. 
( XXXX XXXX ) account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

2. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

3. 
XXXX XXXX  account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

4. 
XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

5. 


XXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The situation happened when XXXX XXXX  charged me XXXX instead of the authorized {$28.00} and XXXX XXXX refused to correct the problem and told me to dispute it with my bank Bank of America which I did. Bank of America after 90 days and loosing my dispute and resubmitting ended up denying it.
Consumer complaint received 2023-08-03
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OR)

I was advised/promised by a customer service representative for XXXX/XXXX who was advising me about consolidation into the income based repayment plan that my already qualified 6+ years of payments under the XXXX Loan Forgiveness program would be included after I consolidated. 

I recently discovered this is not only not true, these previously qualified payments do not count, but that there is also no process to appeal or review this decision. I was given false information and made financial decisions based on this information. 

If I had known I would lose almost 7 years of qualifying payments for working for non-profit agencies I never would have consolidated. I would have continued to pay the same rate for 3 more years and been finished. 

These programs are designed as motivators for people who are willing to make less money doing non-profit work. I 've upheld my end of the bargain. I 've never missed a payment or even paid late. Instead of being almost done, I 'm now faced with almost starting over again. This raises my qualifying payments to 17 years instead of 10. 

This is not right. My attempts to find help or people willing to discuss this issue with customer support are useless. Customer support agents are rude and often do not know what they are talking about or seem to make things up to end the call. I 've learned this the hard way. 

This situation needs to be made right. I have all the confirmation numbers for every payment since I graduated college. I recently learned from XXXX XXXX employee ID XXXX ( FedLoanServicing ) that this exact thing happens " all the time '', and there 's nothing that can be done. I do n't understand how a servicer who is handling my federal student loan can lie to me and I have to suffer whatever the financial consequences. 

Please help. 
Respectfully
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I 've been disputing this for 2 years now. I recently Pulled my credit and saw XXXX is still on my Credit report for $ XXXX. I do not recall this debit, I sent four different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. XXXX is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (CA)

In the year XXXX I learned of a collection being reported by Pinnacle Financial Services. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After that investigation information about the account is being manipulated such as open dates etc., to extend reporting to cause me damage. Also this closed account is now reported in a manner to reflect as new delinquency each month which further damages my credit.
Consumer complaint received 2023-03-28
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. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-19
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX - ) XXXX Balance : {$530.00} ; XXXX, XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX, XXXXXXXX XXXX  XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022.
Consumer complaint received 2023-08-03
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. (NC)

CREDIT INQUIRIES THAT I DID NOT INITIATE ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (PR)

In accordance with the Fair Credit Reporting Act XXXX  Accounts 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 15 U.S.C 1681 section 602 A. States 1 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.
Consumer complaint received 2024-05-22
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. (FL)

I have reviewed my consumer reports and notice that I had XXXX late payments on the account that I was never late for. The 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 that I have included in the screenshot inside the complaint in on the dates ( XX/XX/20 ) and ( XX/XX/20 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be, due to the fact I was never late. Thanks. Please see screenshot attached :
Consumer complaint received 2023-06-19
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. (FL)

I am very disappointed with these companies ways of investigating. On XX/XX/2023 I sent the creditors and bureaus a letter and all supporting documents that proved I am a victim of identity theft/fraud and that the accounts and inquiries that are reporting are incorrect an must be removed, deleted, blocked from all 3 of my credit files. I asked for the step by step procedure on how they were able to verify this information and both creditors and bureaus failed to do so. I will be forced to take legal action and I will be contacting the better business bureaus and the attorneys general if this matter isn't resolved asap. I will give you all one more chance to get it right and remove these fraud accounts that I am not liable for because I am a victim of fraud.
Consumer complaint received 2024-04-02
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. (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-06-23
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: Maximus Federal Services, Inc. (TX)

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 : # DEPT OF ED/XXXX Account number XXXX Account name : DEPT OF ED/XXXX Account number : XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX SELF-REPORTED Account number XXXX Account name XXXX SELF-REPORTED Account number XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern. 

Bank of America which I have had an account with for over a decade has recently been holding my funds and causing my bill pay to incur fees on me. Specifically the last check I deposited, for {$3500.00}, has a 2 week hold placed on it and BOA is telling me that they can not release the funds until Bank of America receives the funds. Fortunately the check is from my companies business account so I have verified with XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX that the funds have indeed cleared, been removed from my business account and have passed thru the Federal Reserve so the only place they can be in in Bank of Americas hands. I placed this deposit on XX/XX/2018 it is not XX/XX/2018 and they are still insisting that they have not received funds. I have been to the XXXX XXXX BOA branch 2 times and called corporate 4 times to get this resolved. All of them insist that the funds are not there. 

What is really happening is that I have an S-Corp for years I have co-endorsed my business checks and just deposited then into my checking account with BOA as a S-Corp allows for the co-mingling of funds. About a month or so ago they held one of these checks ( ran up fees on me, which I did not complain about ) and told me it was not allowed and that I had to open a business account. When I told them I had been doing it for years the person at corporate tersely told me well you finally got caught as if I were scamming them. Fine company policy is company policy, but I decided that I would not be opening that business account with BOA so I opened one last month with XXXX. I wrote a check from this account to my personal account and did not account for a fee so it NSFed. That is completely on me and as soon as the funds were available in my business account again I went down and had XXXX issue a cashier 's check, took it to Bank of America and cleaned up the mess. This was completely on me and I dealt with the issue. Now they are using this as an excuse to hold my check I deposited for two weeks as nothing more than a punitive measure and to rack up fees. There is no uncertainty that Bank of America has those funds as it has been confirmed with XXXX, they have had them since the XXXX. As at this point I would stop payment on that check, return it to my Business account and move the money via cash to my BOA account to cover funds.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (TX)

I have paid off my account with XXXX, but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX XXXX  and XXXX XXXX  ; but they continue to verify a balance owed when there is not one owed.