davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate.
Consumer complaint received 2019-08-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (ME)

I have had trouble with this company shorfalling my escrow account twice now. The first one happened with a shortfall of over XXXX dollars i believe 2yrs ago driving my house payment up. Now ive recieved a notice on my escrow account dated XX/XX/19 that my escrow account is short again by XXXX. Driving my house payment up again from XXXX to XXXX unless i pay the shortfall by XX/XX/19. I cant afford a lump sum like that. Im a XXXX vet on a fixed income
Consumer complaint received 2022-12-17
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. (NV)

XXXX XXXX XXXX XXXX is reporting an installment account XXXX on Transunion as a closed account with open date of XXXX high balance of {$750.00} with a date reported of XXXX with XXXX late payments. The same XXXX XXXX XXXX XXXX is reporting an installment account XXXX on XXXX with XXXX XXXX XXXX high balance of {$750.00} with a date reported if XXXX with XXXX late payments for XXXX, XXXX, XX/XX/2018. I am requesting that these account be investigated, so that the negative and stressful impacts done to my credit report be corrected and updated. 

XXXX XXXX XXXX XXXX is also reporting Installment loan with past due balance of {$150.00} high balance of {$730.00} is reporting inconsistent information to Transunion and XXXX such as incorrect open date and XXXX late payments on XXXX but none of Transunion XXXX XXXX XXXX XXXX is also reporting a revolving account XXXX credit limit of {$250.00} with a high balance of {$450.00} is reporting inconsistent information with Transunion and XXXX. Seem to be reporting false and inaccurate late payments. 


To be in compliance with Fair Credit Reporting Act Section 607 - 15 U.S Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also in the FRCA law Section 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] this company should be held liable for {$1000.00} made payable to me.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I sent Equifax asking them for the reinvestigation of completeness and accuracy and all they replied was verified. 

These are the accounts that Equifax replied verified and accurate.These accounts are not complete and accurate. 
XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Equifax I would like to know what procedure was used in the verification of these accounts, not to mention the accuracy certificate pursuant 15USC 1681i ( 5 ) ( B ) ( 1 ) and the metro 2 compliance standard that used in the reporting of the verification of accuracy of the information.

15USC 1681i ( 6 ) ( B ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the contacted in connection with such information and the telephone number of such furnisher if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information; and ( v ) a notice that the consumer has the right under subsection ( d ) the the consumer reporting agency furnish notifications under that subsection.

15USC 1681i ( 7 ) ( 7 ) Description of the reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15USC 1681i ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I traveled as I always do beginning in the Fall of XXXX to XXXX for vacation and returned in XX/XX/XXXX to the US. Prior to leaving I put an excess amount in my credit card balance to cover any recurring payments and fees while I was away. However, XXXX XXXX XXXX without my knowledge or consent decided to mail the excess balance to my residence in the form of a check while I was away. As a result, my credit card payments were not posting and I was being penalized with fees for not paying down the balance. My credit report eventually had my account as missing a payment damaging my score from a prior 100 % payment record. My credit limit also went from $ XXXX to {$500.00} from the missed payment. 

I contacted XXXX upon my return to discover what happened and had no luck getting the credit report missing payment corrected or the fees associated with the missed payments. My credit limit was also not reversed to my prior limit.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WI)

I filed a claim with Wells Fargo against a merchant named XXXX XXXX XXXX. They admitted to charge me {$150.00} using my information. XXXX XXXX XXXX never give me the service. I filed the claim with Wells Fargo and explained the situation, and unfortunately the merchant able to convinced Wells Fargo that the charge was authorized by me. This is a fraud case. The merchant was literally forged my information so they are able to charge me and lied to them saying that I gave them permission. But, I have my conversation via text with the merchant stating that they admitted that they did the unauthorized charged and unable to have it reversed or cancelled. I provided that evidence to Wells Fargo and told them to see the reviews on the XXXX about the merchant. There are so many victims of fraud like me and I am not the only one. Unfortunately, Wells Fargo let the merchant get away with the fraud. Until now, Wells Fargo refused to reimburse the {$150.00} of the unauthorized charge that the merchant did. Thank you!
Consumer complaint received 2022-06-01
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. (GA)

XXXX XXXX XXXX  XXXX US DEPT OF EDUCATION XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-01
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. (GA)

XXXX XXXX XXXX  XXXX US DEPT OF EDUCATION XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-01
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. (GA)

on XX/XX/2022 I received a letter from a creditor I have by the name of XXXX XXXX XXXX XXXX XXXX XXXX  ). The letter stated my account ending in XXXX have been reviewed and I was denied a credit increase due to their decision based upon my TransUnion credit report. I immediately called XXXX XXXX  at XXXX the next day XX/XX/2022 at XXXX am est with customer service rep named XXXX. I then told her I didn't request a review of my account, who did, why did they pull my credit without my authorization which is illegal and because off their review they also decreased my credit limit and I asked why would they do that as well with me being unaware of any of this. XXXX stated they do reviews once every twelve months. I told her that was illegal then XXXX stated it was in the terms and conditions of my cc contract. I told I have never heard of that and it is not anywhere in my contract. This unauthorized inquiry has affected my credit score and is against the law per CFPB
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a call from a person stating his name was XXXX XXXXXXXX XXXX from the XXXX XXXX sheriffs office. Before I did anything, I XXXX  his name and XXXX XXXXXXXX XXXX is indeed an officer in the arrest warrant department at the XXXX XXXX XXXX XXXX. I then called the sheriffs office directly and asked if XXXX XXXX worked there and they assured me that he did, and they transferred me to his number. I left a voicemail and he called me back anout 5 minutes later and told me that I had an arrest warrant out for failure to appear in contempt of court after not appearing from a subpoena. He told me that the subpoena had been delivered to the hospital where I work and that an authorized signer had signed for it for me. He said I had two choices the first was to proceed criminally, and come in and be booked or I could proceed civilly and pay a fine and the court costs, which would be refunded once I prove that I had not signed the subpoena myself. He been stated if that was the case I could proceed with a forgery case for whoever signed for me. I paid the court costs and fees through an electronic transfer from my bank, and immediately after the call disconnected and I realize I had been scammed. 

Its very scary when a scammer is impersonating an actual sergeant from my local sheriffs county department and there is no recourse for the scammer for something like that. Impersonating an officer should be a serious crime.
Consumer complaint received 2022-06-01
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT'S A REPORTING DEROGATORY ACCOUNT ON MY CREDIT FILE THAT'S BEEN CAUSING TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ISSUE AND HAVE THIS NEGATIVE MARK OFF MY CREDIT FILE.
Consumer complaint received 2022-06-01
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. (NY)

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-06-01
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)

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (AR)

My card was stolen XX/XX/2019, from a drive thru employee at XXXX XXXX. I noticed that the card was missing on the XXXX when I stopped for gas. I thought it was lost in my car, so I looked for it to no avail. I wasn't worried because no new charges were on my card. The next day, I noticed over {$800.00} in new charges. I immediately called the credit card company and the police. They tracked down the thief and questioned her and told her to turn herself in. She never did. There is an active warrant for her arrest to this day. American Express came back 30 days later stating I was at fault, even after submitting my affidavit as well as all police reports and charges filed. I've since disputed the charges twice more, all of which I'm told I'm a liar and I'm at fault. I just want my money back.
Consumer complaint received 2022-06-01
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. (AL)

in accordance with the Fair Credit Reporting Act XXXX XXXX Act # XXXX, XXXX  Act # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX Act. # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX Act. # XXXX, XXXX XXXX Act. # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-01
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. (AL)

in accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Act # XXXX, XXXX  Act # XXXX, XXXX XXXX # XXXX, XXXX XXXX Act. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Act. # XXXX, XXXX XXXX Act. # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required 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 : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} INQUIRIES : XXXX XX/XX/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 : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX  ) Balance {$390.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2022-06-01
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. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required 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 XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} INQUIRIES : XXXX XX/XX/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 EQUIFAX : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$390.00} INQUIRIES : XXXX XX/XX/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
Consumer complaint received 2022-06-01
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. (GA)

XXXX XXXXXXXX XXXX XXXX  US DEPT OF EDUCATION XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-01
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. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required 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. 

TRANSUNION COLLECTION : XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$390.00} INQUIRIES : XXXX XX/XX/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 Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2022-06-01
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: TD BANK US HOLDING COMPANY (NY)

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-02-15
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. (NC)

On XX/XX/XXXX I took out a credit builder loan account with XXXX. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. TransUnion and XXXX  had reported the loan as closed and paid in full. XXXX  had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with XXXX. XXXX had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

XXXX should had left the old account shown as closed and paid in full. XXXX should had reported a brand new account with the new information. These are two different loans with two different account numbers.