davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-03-06
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I recently settled by {$4600.00} collection with bank of America for {$3000.00} on XX/XX/XXXX. During the settlement conversation, I was advised to call back on Friday XX/XX/XXXX to verify that the account status had been updated to settled so that my mortgage company could have the three bureaus call in to verify the same. The urgency is due to me needing to close on my new home but the updating of this account is the only thing delaying this. When calling today, the representative that I spoke to would not clearly verify that the account read as a settled account nor would she transfer me to a supervisor upon requesting to be. I settled an account that in a few months would no longer be on my credit report due to the 7 year rule with FCRA in hopes of having this resolved quickly. But now I am getting conflicting information and can not get the account verified as settled.
Consumer complaint received 2022-12-13
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. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I have my Bank of America setup for automatic payments, paid from my XXXX XXXX  account. BOA processed 3 separate payments on XXXX. {$5200.00}, {$580.00}, {$580.00} This caused my account to incur overdraft fees. 
I spent 60min on the phone XX/XX/20 with them. They refused to pay the 2 {$37.00} fees. I asked for nothing else to be taken from my account. I also wanted to cancel auto pay. 

XX/XX/20 am another {$580.00} payment was attempted, with another {$37.00} overdraft fee. 
I am on the phone currently with them, as they refuse to pay the 3 overdraft fees. 
Customer service is terrible, phone time is absurd, and I would NEVER recommend this company
Consumer complaint received 2023-02-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

There was {$70000.00} fraudulently wired out of our XXXX  account on XX/XX/2023. This account was at Wells Fargo Bank. They will not return our funds. We did not give our permission, user name or password to anyone. Wells Fargo states on their website that if there is any unusual activity they would contact us. We were not contacted. This account is used only XXXX  a year and money has never been wired out. We need assistance in recovering our funds.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX Account number : XXXX
Consumer complaint received 2020-03-06
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: National Credit Systems,Inc. (NJ)

On XX/XX/2019 I sent a 3rd party debt validation letter to National Credit Systems requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$4500.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681 ( s ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), Nation Credit Systems has failed to validate this alleged debt within the ( 30 ) day time frame as pursuant to 15 U.S.C. section 1681 ( g ) ( 4 ). They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C. section 1681 ( b ).
Consumer complaint received 2023-06-09
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXX XXXX XXXX {$770.00} XXXX XXXXXXXX {$490.00} 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I get my SSI CHECK on the XXXX  of each month but wellsfargo keeps on giving me over draft fees like crazy. I have no beak on this they just dont care. I have no money left for the rest of the month and is not {$34.00} is {$35.00}
Consumer complaint received 2023-06-09
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 submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with them.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: McCarthy, Burgess & Wolff, Inc. (FL)

I was a XXXX XXXX customer with no contract. I was billed monthly in advance for service. I cancelled three days into the billing cycle and was told I would receive a pro-rated bill by XXXX  customer service. I never did receive the pro-rated bill. I called customer service and was given the run around, transferred from one agent to another for over an hour. One agent even said I was not billed in advance, I asked her to look at the bill, it clearly show the dates of service I am being billed for. I told them I would be more than happy to pay them what I owed but I will not pay for services not rendered. I have the original bill with notations of the dates I contacted them, in good faith, to resolve the issue. They threatened to put me in collections, that when I hung up. Now, almost a year later, I received a collection letter. I also checked my credit report and my score has decreased as a result. Dates of service being bill for were XX/XX/19 through XX/XX/19. I called XXXX   on XX/XX/19 to cancel. The agent I spoke to on XX/XX/19, after receiving another bill for the full amount, even acknowledged he sees a record of the call.
Consumer complaint received 2023-02-05
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. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  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 XXXX  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 XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-06
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. (NJ)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. It should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-03-06
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. (NJ)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. It should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion and XXXX failed to verify the accuracy of the account XXXX XXXX XXXX .The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2020-03-06
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. (CA)

Equifax will not remove a negative " hard inquiry '' evidently made by XXXX XXXX on my credit profile. Though Equifax has provided many excuses such as " mail the company a letter '' or " wait 15 days for a free credit report '' for not deleting this obviously inaccurate entry that is the single item on my credit report that likely did not appear there by magic.
Consumer complaint received 2024-01-23
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: U.S. BANCORP (NJ)

Cardmember Service Elan Financial Services XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, I have received a letter written on XX/XX/XXXX of XXXX along with a form to fill in. I would like to answer the questions, which your company asked. My name is XXXX XXXX addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The cell phone number is XXXX. I believe what you tried to indicate consumer report should be credit report of XXXX ; therefore, I copy the pages with my name and your company name from entire credit report, since I believe it is safe not to give all pages in my case, when I have the fraud alert. You asked me why I would like to remove your company inquire from the list of my credit report. I am not sure why you indicate I want you to remove your company name from the soft inquires, since it just meant for the promotional purpose ; however, since I have never be interested in to acquire any more credit card now and in the past, I just prefer you would remove from all credit card reports, which I mean XXXX, XXXX, XXXX, and XXXX, if they have your company name in the list of soft inquires. I can state so because I never applied to the credit of Valley XXXXXXXX XXXX I used to have a business account in the name of the XXXX XXXX ; however, due to the influence of the Pandemic, I have decided to stop using the business account, even though I still own this small business as a sole proprietor and changed the business bank account into my personal name account. Still, I do not have any credit cards related with Valley XXXXXXXX XXXX. If you still have the question, please contact me again. Again, I clearly states I never own the credit cards from your company and any companies related to Valley XXXX XXXX
Consumer complaint received 2023-02-05
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. (OH)

I am attaching additional information/documentation that highlight that XXXX XXXX made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account. 

Attached is correspondence from XXXX XXXX on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, XXXX XXXX indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

XXXX XXXX stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single one of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my 3 accounts with them opened in XXXX, which is around 3 years prior to me having an auto loan with XXXX XXXX. In this verification letter, there is not one account that I own that ends in XXXX. 

This connects to XXXX XXXX having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the 30+ payments made to the account from the checking account ending in XXXX. 

This bank error caused my XXXX XXXX to drop by more than XXXX points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.
Consumer complaint received 2020-03-06
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 complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromisation of my social security number, and identity theft.
Consumer complaint received 2020-03-06
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. (NY)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-02-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/XXXX, Td Bank and I agreed to fixed Rate option interest rate on outstanding heloc of $ XXXX 4.99 % for XXXX. But instead charge me a higher rate of 6.89 % On XXXX XXXX, XXXX, a XXXX agreement was entered into between Td Bank and I to fix the same $ XXXX 4.99 % for XXXX yrs. 

On XX/XX/XXXX Td Bank fixed my entire balance of {$410.00}, XXXX 6.89 % ( this includes the {$260000.00}. 

The higher interest rate on of 6.89 % ( as oppose to 4.99 % ) is costing me over {$500.00} more per month in interest payments.
Consumer complaint received 2023-02-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (TX)

CREDITACPT is on my credit report under AUTOLOANS With a balance of XXXX and no further information. This does NOT show on my XXXX XXXX which also hinders me from keeping accurate track of my score. This has been affecting my score and I have had no knowledge of this. I have contacted this company and they have not answered multiple times. No CSRs have taken my call. I do not recognize this company nor balance. This is incorrect and needs to be removed. It is hindering me from purchasing a vehicle thru any dealership for they see this as a repossession in my name and that is not correct. I have never had a vehicle repossessed.