davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX is reporting the account with capital one inaccurately on my report. Upon reviewing my credit report noticing this was still on my report after settlement for pay to delete. I initially sent a request for XXXX to validate the account, and update to good standings. After 4 different attempts they have failed to update this and its still negatively impacting my report. I have disputed this information three times on XX/XX/21, XX/XX/21 and XX/XX/21, and have given them warning that if it was not updated, i would be filing a formal complaint. In addition the information XXXX is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint
Consumer complaint received 2021-05-25
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. (GA)

IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS. OLD ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT
Consumer complaint received 2021-05-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NH)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TN)

My XXXX XXXX on XX/XX/2021, in XXXX XXXX, Florida. I live in XXXX XXXX, Tennessee. I received my brother 's personal effects from the hospital where he XXXX XXXX in early XX/XX/2021. His effects contained a debit card from Wells Fargo bank. 

I called the XXXX number for Wells Fargo seeking guidance. I was told that they could freeze the bank account but that I would need to travel to a Wells Fargo branch and present the death certificate which I did the next day. There are no branches near my home so I traveled to XXXX, Tennessee branch. I sat down with a representative who told me that my brother 's bank account had already been frozen based on my call to the XXXX number. I was miffed about this because of the distance and the time spent on the unnecessary travel. 

I knew that I would have to petition XXXX XXXX Florida probate court to gain access to my brother 's bank account prior to arriving at the Wells Fargo branch. I also knew that I would need to itemize my brother 's assets. In order to itemize the monies in the checking, I needed the amount in the checking. I presented my driver 's license yet the representative refused to give me this information. This then impeded my efforts to obtain a Summary Administration for my brother 's very small estate of what I believed to be two items, a checking account, and a car. 

I then had to submit a Letter to the Court to let them know that Wells Fargo would not provide me with the information I needed to complete the process. I also contact the XXXX number for the Estate division at Wells Fargo. I was told that I would need to get a separate court order so that they could give me the amount my brother had in checking. Then pursue the Summary Administration.

I have acted pro se due to no money to obtain a lawyer in Florida. I paid all fees from my own savings to include my brother 's cremation. Wells Fargo must think that people have a bottomless pit of money with which to play their games. 

Today I went again to the XXXX branch of Wells Fargo to present the court-ordered Summary Administration granting me 100 % of the checking account funds. Even though I had earlier presented the original death certificate and the rep took a copy, I could not gain access to the monies. I have done everything asked of me in regard to accessing my brother 's account. 

I was also told for the first time that my brother had two other savings accounts. This would have been nice to know when I came into the branch the first time. I was told that if I want access to the savings I have to get an amended order. How much will this cost me? 

Wells Fargo is out of bounds and their actions have adversely affected my ability to gain access to monies due me. 

Wells Fargo, a private company, believes that they have an internal legal code that supersedes an Order signed by a XXXX XXXX probate judge.
Consumer complaint received 2021-05-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2024-02-28
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)

I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified discrepancies. I attached the letter together with the FTC.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I Sent my letter off on ( XX/XX/2024 ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Vice President of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) stated that a complete investigation was done and my account was verified but how is that possible if they did not do a proper investigation according to the law. I have not received any documentation or collection letter from XXXX XXXX XXXX XXXX XXXX. 

I would like to know who did they talk to. 
How did they complete this investigation
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX will not update my credit report has not been updated since XXXX XXXX I let XXXX know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX will not update my credit report has not been updated since XX/XX/XXXX.Also I let XXXX know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (LA)

XXXX is reporting the account with AD Astra Rec inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint
Consumer complaint received 2021-05-25
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. (GA)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM A VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ADRESSES THAT NEED TO BE CORRECTED I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo failed to apply payoff of {$230000.00} received XX/XX/21 claiming there was a shortage of {$1700.00}. They did not inform me of this deficiency and as a result I incurred {$100.00} in additional interest. I also believe this is a breach of my promissory note which requires payments to be credited on receipt.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I opened up a secured business card which required XXXX in a cd .was told that when the cd mature which it did on XX/XX/XXXX that it will automatically turn into unsecured. That not the case. Found that it has to go through A '' REVEIW " AND IF I QUALIFY ONLY THEN IT WILL BE UNSECURED. THAT IS NOT HOW IT WAS EXPLAINED NOW I AM CLAIMING FRAUD ON BANK OF AMERICA PART NOT PROPERLY EXPLAINING HOW THE CREDIT CARD REALLY WORKS.
Consumer complaint received 2022-10-31
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 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 is 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  CARD XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX AUTO FIN XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I was solicited from HSBC to open a new premier checking account where I could receive cashback on my direct deposits. I applied for a new checking account and was approved and deposited my opening deposit. I also transferred monies from another account that I had into this account. I logged into or tried to log into my online banking and saw the account was restricted. I called HSBC and they stated that my account was closed for a reason they are not able to disclose on XX/XX/2021. I have called several times and they keep telling me that they are unable to tell me when they are going to mail me my bank account funds. It has been over two weeks now.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

I applied for a credit card on XX/XX/2021 with Wells Fargo Credit Card they sent me a letter today XX/XX/2021 that they could not verify my identity and that I would call them. They asked me for my date of birth, my address, my last 4 of the social. They answered me that they could not verify my identity and I had to apply again without asking other questions without asking me for any information to verify my identity, only that I would apply again as if that would not affect my credit. So I asked to speak to another person who refused to help me. I am being discriminated against for being XXXX, I told that person that I had had a mortgage with Wells Fargo and he told me that they did not care, I told him I had XXXX on the credit score and that he had not denied the application, they only had to verify my identity and hang up the call. They want me to apply again I don't know with what intention since the credit is excellent and they did not deny me the card their excuse is that they can not corroborate my identity but they do not give me alternatives to do it I feel discriminated against because of my XXXX  they treated me like XXXX.
Consumer complaint received 2021-05-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2017-04-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (GA)

For the past two years, CCS Collections has listed a collections account on my XXXX and XXXX credit reports. I am unaware as to the source of this collection account and so on XX/XX/XXXX, I sent a letter to CCS to validate the debt. They have not responded yet continue to report the collection on my credit report.
Consumer complaint received 2023-06-30
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. (TX)

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 items that need to be investigated and corrected from erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (CA)

Credence Resource Management LLC, kept contacting me, mail & phone trying to identifying me using an incorrect name, to collect on an XXXX XXXX XXXX debt. Then mailed & phoned my parents. Finally placed collections report with the credit bureaus using the wrong name again. 

Filed a dispute and arbitration request with XXXX XXXX XXXX in XXXX of 2020. Additionally mailed Credence Resource Management LLC a cease and desist no contact letter. 

XXXX XXXX XXXX contacted me, and we resolved the issue. Collection reports with credit bureaus were removed. 

3 months later, Credence Resource Management LLC calls me on the phone trying to collect on the XXXX XXXX XXXX resolved debt, after having received a contact cease and desist letter. I claimed fraud to get Credence Resource Management LLC to send me some sort of documentation identifying Credence Resource Management LLC. 

Received documentation identifying Credence Resource Management LLC, and in turn sent Credence Resource Management LLC a demand letter for willful and reckless violations of the Fair Credit Reporting Act as follows ; 1 ) For continued harassment after a cease and desist letter was received by Credence Resource Management LLC. - Harassment - 2 ) Continued collection attempts on a case that has been resolved and forgiven by XXXX XXXX XXXX. - Negligence - 3 ) Heynis misrepresentation, distortion of money owed, to commit extortion and fraud. Outstanding balance was {$260.00}. Credence Resource Management LLC per documentation, was trying to collect {$1100.00}. Over 4 times the original amount. Violates the Fair Debt Collection Practices Act. - Deception - The part that really makes me mad is violating a persons right to privacy, when calling and mailing family members, purposefully causing uninvolved family members duress and conflict as a whole.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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.