davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

This is concerning Wells Fargo. They did not open an account without my knowledge ( that I know of ) But they pressured me to open an XXXX checking and saving account. If I did not I was told my XXXX checking/saving account would have fees. With the XXXX extra accounts, I was to transfer money to the XXXX accounts once a month. then no fees. At the Wells Fargo office I was told they set it up to automatically transfer for me. They did not. My fault, that I did not notice for several months. I incurred fees on all XXXX accounts.
Consumer complaint received 2023-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OK)

My loan servicer, Wells Fargo, is transferring my mortgage to XXXX XXXX ( effective XX/XX/23 ). Wells Fargo customer service has stated that there's nothing they can do to stop the transfer. Even though that is my preferred outcome. 

This practice of transferring mortgages to a different servicer without consulting the consumer and getting permission, is not fair to the consumer. When the mortgage is transferred, it will negatively impact the consumer 's credit score due to a new account on the credit report that changes the length of credit history factor and other calculations. 

As someone actively working to increase my credit score, I am aggrieved, that my credit score will now take a negative hit for no fault of my own. 

This practice needs to change for everyone.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This company, XXXX XXXX have collection in my credit file. This is suppose to be from Capital One. I have never had credit card in question. I have ask for any written document that shows my signature but they have failed to provide any evidence. I have filled two identity theft with FTC and have submitted that to them. I have also filled a copy from another company but still they are still have this collection on my file. I have send a copy of my lease indication where I have resided since 2000 and still no respond. My next move is to file action against these company in Small Claims Court. I will mail copies of my lease and some more documents.
Consumer complaint received 2023-07-25
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. (FL)

CREDIT IS NOT REPORTING ACCURATELY. MULTIPLE CREDIT AGENCIES ARE REPORTING INACCURATE CREDIT REPORTS ON MY ACCOUNT. I SHOULD NOT HAVE A BALANCE WITH ANY COLLECTION AGENCY. XXXX XXXX XXXX IS UNLAWFULLY REPORTING DEROGATORY REMARKS ON MY CONSUMER CREDIT REPORT. PLEASE HELP ME OUT
Consumer complaint received 2022-11-02
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)

XXXX In accordance with the Fair Credit Reporting act XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NV)

I received a notification via XXXX that XXXX XXXX XXXX has reported a collection account and reduced my XXXX XXXX. 

I never received any information on this account and the amount reported {$3200.00} does not state the reason for the debt and is incorrect. 

I have tried to connect with the company for XXXX weeks ; no response. On XX/XX/2023 I connected with the company and was told they dont have my account and I need to contact the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 

So, why was a collection reported on my credit file by XXXX XXXX XXXX? I was never informed, they are denying the claim, and they will not provide me any information on the debt claim. I would like this removed from my credit report.
Consumer complaint received 2022-11-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Experian is violating multiple consumer rights, FCRA laws, and XXXXetro 2 reporting compliance guidelines. 
Experian is reporting incomplete, inconsistent, and inaccurate information on my credit report. I have called multiple times and Experian reps say they can see the FCRA Compliance Date/Date of First Delinquency on the XXXX XXXX XXXX  account. I told them that I can not see that date and I have a right to see all info and requested my consumer file disclosure. They told me the report they mailed will show the XXXX. I got my report # XXXX on XX/XX/XXXX from Experian and it does not have that DOFD date!! I called again today on XX/XX/XXXX to attempt to get that date and 3 reps hang up on me. 
Experian reps give me multiple dates for my DOFD via phone : XX/XX/XXXX and XXXX. This leads me to believe Experian is reporting an incorrect DOFD. The calls are recorded and this fact is easily verifiable. 
I have filed multiple disputes via mail to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as disputes via phone for this particular XXXX XXXX XXXX account ( XXXX ) and Experian updates it saying they have investigated it. Experian has not done the due investigations for this account. I requested the Method of Verification ( MOV ) via mail and I have never received anything back from Experian regarding the MOV. 
The XXXX XXXX XXXX account is closed yet 2 Experian reps told me that they can see the account open.
Consumer complaint received 2023-07-24
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. (TX)

In Accordance with the Fair Credit Reporting Act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 7 years.
Consumer complaint received 2022-11-02
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: ALLY FINANCIAL INC. (PA)

Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
Consumer complaint received 2021-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

Throughout my history with this account, I've consistently ensured payments are made on time, never allowing them to be overdue. I'm uncertain about the basis for the reported late payment remarks on my accounts. According to 15 USC 1666b - Billing Error regulations, these should be rectified.
Consumer complaint received 2023-07-25
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. (TN)

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.

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 2022-11-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2022 ) 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 XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-18
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. (OH)

In accordance with the fair credit reporting act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 ( XXXX ) XXXX XXXX XXXX. XXXX ( XXXX ) CXXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. states I have a right to privacy 15 U.S.C. section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information.Any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C.1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

There are several accounts reporting incorrect information on my credit report and if one agency is reporting a different balance or status than another agency, I ask how did any of the agencies validate the information being reported? It is obvious that proper validation was not completed within my credit report. Please remove the accounts completely. 

XXXX XXXX original balance, limit and last payment dates do not XXXX reporting on XXXX but Equifax and XXXX have already deleted this account due to the account being paid and also considered a certificate of indebtedness and income due to the charge off status. 

XXXX XXXX reporting on XXXX but XXXX and Equifax have already removed this account XXXX original balance and monthly payment reporting different on each report XXXX  condition wrong XXXX current balance, original balance, limit, monthly payment and last payment all reporting different
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account Transunion, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

These people are XXXX of my character lying on my credit report, untrue and damaging to my way of life by presenting as a fact to others. I can not get a house for my family because of the lies on my credit report. I will be XXXX  if this isn't fixed asap Delete these lies on my credit report
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Parag
raph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

Equifax had a breach of security and my most precious personal information was compromised. Equifax was given this information per agreements with my banks and loan providers without my knowledgeprobably mentioned somewhere in those pages and pages of fine print common in every transaction from television purchases to home financing ( XXXX bless capitalism for giving us too much to read! ) Not that I would have a choice either way. Were I to opt-out of this sharing of information, I 'd be less likely to be approved for an apartment, a home or student loan, and even employment, as my credit history would n't be available to those organizations. 

As this is an official record, I 'd like to say that the Equifax executives who let this go on for months and then sold their stocks before acknowledging the breach publicly should be held accountable and sent to federal prison, but they 'll probably just end up working as senior advisors to the president. 

Thanks, XXXX
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (IN)

I HAVE CALLED REPORTING COMPANIES MULTIPLE TIMES REGARDING THIS AND THEY THINGS WILL BE COMPLETE WITHIN XXXX HOURS BUT INQUIRES ARE STILL THERE
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Applied for Capital One credit card on XX/XX/2022 and was approved. I was sent a card, and was able to use it once. On approximately XX/XX/XXXX, I was told that I had to authenticate my identity and residency, and that my account would be restricted until then. I was asked to submit copy of my drivers license ( front and back ), copy of my social security card and copy of bank statement. 

I submitted all this information, and they informed me that they still could not authenticate me. They told me that I had to send them a copy of one of my checks from my checking account. I had never heard from this, so I asked them what was the problem. They informed me they could not give me the information because of security reasons. This was after several calls to Capital One and conversations with supervisors. I told them to close my account if I was not able to use it because it was restricted and wouldnt give me a reason why. 

On XX/XX/XXXX, I called Capital One because I wanted to know what credit bureau they used to put a restriction on my account. They told me all three bureaus. They refused to give me the credit bureau they used. 

If I had been denied an account with Capital One when I had applied, it is required for them to notify me by mail the reason why I was denied and what credit bureau they used so that I could contact them, and straighten this out. 

How can I correct the matter? Please help me.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (SC)

ID FOR COMPLAINT SENT TO EQUIFAX XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX
Consumer complaint received 2023-07-24
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. (UT)

I kindly request that you promptly update my account with the correct and accurate information. Your timely action in rectifying this matter is greatly appreciated.
Consumer complaint received 2023-05-23
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. (MI)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-07-07
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. (MO)

I am a current victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX, XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX ( {$330.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2019-12-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LendUp Loans LLC (LA)

Yes I was approved for a {$100.00} loan from LendUp and never received. I applied for another loan with me they declined it and never give me reason as why they declined it this is considered illegal.