davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (SC)

I got a loan from Wells Fargo about XXXX XXXX XXXX and it was supposed to be paid off this XXXX, Wells Fargo is still saying I owe roughly XXXX on the loan and I have made every payment and have used approx XXXX deferments so at the latest it should be paid off by the end of the XXXX I believe my payments have not been applied to my loan and Ive been charged illegal fees and would like this matter investigated
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Consumer Financial Services Solutions, Inc. (MI)

XX/XX/22 I signed with Beyond Finance to help me resolve my debt and improve my credit scores. They told me to stop paying on all accounts which immediately caused a barrage of collection calls. They indicated they would negotiate my debts and reach a settlement on them. I turned over 11 accounts to them to resolve.

Over a period of a year, they only resolved one account for half of the balance but then charged me a fee nearly equal to the balance. Then they started on a second account and charged me excessive fees for that account which is not settled. 
Over the year I took back most of my accounts and got them back up to date as they were not doing what they led me to believe they would do. 
When I canceled with them, I had XXXX cents in escrow that they are refusing to return to me. They say it is to pay for fees toward the second settlement however that settlement never fully went through. They are trying to charge {$6000.00} in fees for that account. 
They misled me and tricked me into exorbitant fees and saved me nothing. They have also contributed to ruining my credit by telling me to stop paying on all of these accounts. Now I am in worse shape than when I signed with them.
Consumer complaint received 2023-02-21
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Inquiry. Not authorized Inquiry date XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-01-02
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. (FL)

Account Name XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company since XX/XX/XXXX.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my account and said they dint have to tell me I told them XXXX might have my info and be in my account they didnt care a guy pretended to be prosper market place and instead of a loan he got into XXXX account and stole my money XXXX
Consumer complaint received 2023-01-02
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. (SC)

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. 

Accounts : XXXX, account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX, and XXXXXXXX XXXX  XXXX account # XXXX have all 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 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 other adverse items of information other, than records of conviction of crimes which antedates the report by more than seven years.
Consumer complaint received 2017-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC ( LVNV FUNDING LLC   XXXX   XXXX   XXXX     XXXX , SC  XXXX  is reporting that I owe them {$1000.00} for some type of loan. I do not have a contract with them nor have I ever had any business with LVNV Funding. The account was removed from my credit report on   XXXX   XXXX  , 2017 and was reinserted on my credit reports on the same day. I was not sent a notice 5 days prior to the debt put in collection, so by law this debt has to be removed.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have written to XXXX XXXX on several occasions asking them to confirm the validity of this debt, but they have provided no information for me. I do n't know where the debt originated, or if they should even be pursuing me to collect it, as they 've never given me any details. I would at least like it to be removed from my credit report in the meantime.
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

Chase payment via XXXX  for a purchase on XX/XX/ in the amount of {$140.00}, when attempting to dispute the charge Chase has indicated that they are unwilling to help ( despite being a " Chase Private Client '' ) and unable to do so.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault
Consumer complaint received 2022-10-27
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-01
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. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OR)

On XX/XX/2023 I noticed suspicious activity on my XXXX XXXX account which has my XXXX veterans benefits. I had to close the card and ask for a new one, which they are charging {$4.00} for. My account was compromised by thieves and now this company that controls my card, are stealing from me. Any charge applied to a XXXX veteran who has his account stolen from is sickening. 
Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, ITMm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2023-01-02
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. (NY)

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 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 and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a mortgage loan in the amount of {$110000.00} with Bank of America on XX/XX/2020 with a loan officer I was referred to. The first officer called and said that my debt-to-income ratio was too high, and he couldn't further assist me ; I had a solution for this and when I tried to reach out to him he ignored my phone calls and voicemails. Then I was referred to another Loan Officer who started off stating that she would take care of me during this process and shortly after the communication become poor. She ignored my emails and phone calls and only responded when my realtor reached out to her. In this process we lost an unnecessary and substantial amount of funds to meet loan/program requirements. I provided everything asked of me by the loan processor via email ; and several weeks later I received a phone call after appraisal stating that I don't meet loan requirements due to overall balances on credit bureau being too high. I then received a letter on XX/XX/2020 denying me still ; yet stating another reason other than what I was told by my loan officer verbally. At this time, I am requesting for my loan to be reviewed for inspection by a higher management. With all the programs Bank of America offers there should have been a better decision. There was a lot of effort put into this process by my wife and I ; we are highly disappointed in the outcome with this failed purchase of our first home. 

Earnest Money : {$1100.00} Option Fee : {$130.00} Inspection of House : {$380.00} The debt that I was specifically told to pay by my loan officer to bring debt to income ratio down below 50 % in the amount of ( {$10000.00} ) which brought me down to 46 % debt-to-income ratio.
Consumer complaint received 2023-01-02
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state
Consumer complaint received 2022-11-18
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX it came to my attention that my credit card history with Capital One ( a credit card I've had since XX/XX/XXXX ), is not showing on my XXXX Credit Report ( though it IS showing on XXXX and XXXX ). 

I called XXXX and they informed me that they collect all reported information from Capital One and that the problem must be with Capital One. To look into the issue they filed a research inquiry. 

On XX/XX/XXXX, I contacted Capital One to confirm that they are indeed reporting this card to XXXX, and they assured me that they are. They also told me that they would file a request to XXXX  to make sure that this card is showing up. 

More recently, in XX/XX/XXXX, I have followed up with both organizations and the situation appears to have not progressed. Seeing that the card in question is still not on my XXXX  report, I followed up with Capital One. They once again assured me that they are reporting it, that it must be a problem with XXXX, and they once again promised to file a request. I then followed up with XXXX, and they too assured me that everything that Capital One reports they include, and so the problem must be with Capital One. They too attempted to assuage me by initiating a research request. 

That 6 months have passed and that this process is not likely to not get me any further is now fully evident and extremely frustrating. To have almost 6 years of credit history not show up on my XXXX  credit report ( the only bureau that matters apparently ), is extremely damaging to my attempts to gain other credit. 

Please help me resolve this mess between these two giants that seem to be content merely filing requests and reports without actually resolving my issue.
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. (TX)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

this company failed to provide proof of verification multiple times and refused to remove bad debt from my credit report this violates so many laws and will be reporting to XXXX  of this fraudulent information. told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2023-01-02
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)

i sent a letter out to transunion, XXXX and XXXX. here my tracking XXXX however its been 30 days and the credit bureaus failed to send my investigastion back. this is not making any since.
Consumer complaint received 2023-01-02
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)

i sent a letter out to XXXX, equifax and XXXX. here my tracking XXXX however its been XXXX  days and the credit bureaus failed to send my investigastion back. this is not making any since.