davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$590.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX $ XXXX XXXX  XXXX XXXX {$500.00} XXXX XXXX {$400.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2600.00}
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (OH)

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXX Balance {$230.00} XXXX  XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$880.00} XXXX  XXXX XXXX  XXXX Balance {$470.00} XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$55.00}
Consumer complaint received 2021-01-05
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. (TX)

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from 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 I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

My Amazon Prime Visa Signature card is no longer earning 5 % back on Amazon purchases. I had previously started a one-week trial on my account and successfully received the advertised rate of 5 %. After ending, the rate declined to 3 % as indicated in the terms of the program.

I removed the card and added it to a separate .edu Amazon account with a 6-month trial. The terms state that the card will only receive 5 % in a single Amazon account with an eligible Prime membership and that adding it to multiple accounts may require manual selection of the 5 % offer in payment settings. However, there is no 5 % option available in the Amazon payments section for this .edu account, nor is the card defaulting to the 3 % tier.

I called Chase and Amazon customer service twice and was advised to repeat the process of removing and adding the card in both accounts, as well as to place a test order on the card. I reloaded my balance with {$0.00} on the card, which should be eligible for either {$0.00} ( 3 % ) or {$0.00} ( 5 % ) in rewards. Neither is indicated on the Chase transaction after it posted. This is a violation of the terms of the rewards program on this card.

I contacted Amazon customer support a third time via chat and was egregiously ignored. Three separate representatives connected and all three abruptly abandoned the chat upon realizing their incompetence in redressing the issue. They failed to provide any resolution and dismissed my repeated insistence that the problem be escalated to the appropriate level for manual resolution.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (TX)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have notcomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowedby law and continued reporting as unverified information which now, given all my attemptsto address it directly with the creditor, as willful negligence and non-compliance withfederal statutes. Below are the lists of the erroneous accounts reporting on my CreditReport : XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX/XXXX XXXX XX/XX/XXXX {$1800.00} XXXX/XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$3100.00} XXXX/XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}
Consumer complaint received 2023-03-26
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. (MD)

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 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I paid off a mortgage  held by Wells Fargo using the payoff  amount provided by Wells Fargo. Post mortgage closure they have posted multiple " adjustments '' to the account without explanation or substantiation and have provided conflicting documentation in writing and via their website. 

According to Wells Fargo 's own ledger they owe me a refund of {$10.00}, however the negative balance is netting to {$0.00} with no explanation. By law they have 20 days upon the payoff of the mortgage to settle the account to 0, which they have failed to do. Despite multiple attempts to get Wells Fargo to rectify their errors and explain their action they have been unable to.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I have a home loan with Wells Fargo and at the time of purchase, they told me I had to impound my property tax fees with them. My annual property tax fees are estimated to be approx {$9900.00} per year. In XXXX of XXXX, I noticed that Wells Fargo had deducted over $ XXXX from my escrow account even though the balance was only $ XXXX. I called the XXXX XXXX XXXX XXXX XXXX and they confirmed that there is XXXX tax liability for my residence. Wells Fargo had apparently tried to use my escrow account to pay someone else 's property tax bill. After I caught then and filed a report ( reference CFPB complaint # XXXX ), they refunded my money and closed my escrow account but they still reported a balance increase of {$81000.00} to XXXX  and XXXX which has negatively and falsely impacted my XXXX XXXX. I called a XXXX XXXX in the XXXX office at Wells Fargo at ( XXXX ) XXXX regarding the matter. There was no answer but I left a message regarding this fraudulent credit entry. I have yet to receive a response and the fraudulent credit entry remains on my credit report.
Consumer complaint received 2023-05-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF NEW YORK MELLON CORPORATION, THE (IL)

I am being evicted from my property my late mother inherited a quitclaim deed before she passed in XXXX. I filed an notice of appeal XXXX XXXX and received an appellate number. I also filed in federal court. I filed adversary proceeding with to quiet title. The debt is time barged and its passed its statue of limitations. It is not under my name and did it sign anything with the creditors. Only under my late mother estate. Which it should of went to probate?
Consumer complaint received 2021-01-06
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. (TX)

My last complaint you responded and said you assume it wasn't me who filed the complaint. I don't see why you think it is someone else. No one is serious about my credit but ME! So please do not try to use more stall tactics to not remove this account. On XX/XX/2020 XXXX sent a letter regarding inaccurate fraudulent things on my credit report it has been over 60 days and to this day I haven't received any results. I feel like I am being taking advantage and ignored by the credit bureaus. Section611 ( a ) plainly states that failure to investigate this item within 30 days gives a reason to immediately remove this account from my credit report. Clearly it has been way longer than that. I demand this account be removed immediately or I will file litigation due to the stress you have caused me. My information has been impacted by the Equifax security breach and may have gotten in the hands of the wrong person. Included is also the FTC report that I filed, sent to each bureau and they haven't conducted an investigation for that either.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a safe deposit box with the Bank of America, XXXX XXXX XXXX, XXXX  XXXX, XXXX, New Hampshire. 
Banking Center Name : XXXX XXXX, NH Its imperative for me to have access to the inormation kept in the box but upon arrival -and after checking on line that it was open- the bank is closed. I called customer services and I was told that it will take 3 business days for someone to call me and set up an appointment. 

Its totally unacceptable-even in COVID 19 time- that the bank doesnt notify customers that they are closed or provide a telephone number to set up an appointment. 

Thank you for your consideration of this issue. 

XXXX XXXX
Consumer complaint received 2024-02-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (NC)

Hunter and Warfield purposely sent collection letter to my old address ( address landlord is collecting on ) instead of new address even though it is listed in my paper work from landlord I never received initial collection letter to dispute Hunter Warfield illegally place this account on my credit without giving me the fair right to dispute this account causing it to harm my credit.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I have tried repeatedly to get a copy of my chex systems consumer file under my ss number XXXX, XXXX. 
i have included my state issued id, a bill, the latest declination letter.
Consumer complaint received 2021-01-05
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. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX AND XX/XX/XXXX ON MY MORTGAGE ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 United States Bankruptcy Court reported they " do not report information to credit bureaus and are not responsible for verifying information form consumers credit files. '' On XX/XX/2021 XXXX XXXX informed me " after an investigation of the data in question, they were unable to verify the accuracy of the bankruptcy cause, subsequently removing the record from my XXXX XXXX report. On XX/XX/2021 I received a copy of my unofficial XXXX XXXX report which showed my bankruptcy also deleted from there unofficial reports. However XXXX is report my bankruptcy was verified through a third party vendor, XXXX XXXX, when that have proven to be untrue. This information is inaccurate and needs to be deleted. It is illegal to report inaccurate information. Please resolve this before I proceed to hiring representative to properly handle this situations in the court system.
Consumer complaint received 2021-01-06
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. (CA)

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Consumer complaint received 2020-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Thy have frozen our account multiple times. We've submitted required paperwork and they have un-frozen it, only to later freeze it again. They have pulled money from out bank account and continue to attempt to hit our bank account for charges even though we have told them to stop.
Consumer complaint received 2021-01-05
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. (IL)

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX XXXX, Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX.

Please govern yourself accordingly.
Consumer complaint received 2021-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EZ Finance Company (TN)

When I first applied for the loan the manager talked about everything but the details of the loan. She also mentioned she meets people at the store to purchase stolen property. I called in XXXX before I was 30 days late and tried to pay the past due balance and she told me they don't accept partial payment and I had to pay the whole amount. Today XX/XX/2021 My manager gets a call from the store manager stating she was calling in regards to her employee and she needed to talk to her in regards to legal action. Which was a threat. They should not be displaying my personal info and did not follow the rules of the FDCPA.
Consumer complaint received 2021-01-06
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: TRANSWORLD SYSTEMS INC (MO)

Their response is not relevant and it is misleading. 
Because they are showing a contract from XXXX. 
My lease was over. And I did not renew my contract. I did not sign it. 
I told them I was moving in writing and the basically ignore me. 
They are Fraudulent!!!! 
I have the documents
Consumer complaint received 2021-01-06
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: Incomm Holdings Inc. (FL)

I submitted a claim the company have not look into the claim or give me my money back. it was a vanilla visa gift card. my name is XXXX XXXX my claim number is XXXX
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion currently reports inaccurate information on my consumer credit report. 

As of today, XX/XX/2021 I've noticed that TransUnion is reporting an account under the name : XXXX XXXX XXXX XXXX XXXX XXXX reports a missed payment on my credit report in the month of XXXX. My bank records shows that XXXX payment was made on XX/XX/2021.
Consumer complaint received 2021-01-06
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)

THERE IS AN OBVIOUS PROBLEM WITH THE REPORTED HISTORY FOR THE ACCOUNT THAT IS BEING DISPUTED AND IT NEEDS TO BE CORRECTED ACCORDING TO THE LAWS THAT ARE IN PLACE TO PROTECT ME FROM NEGATIVE REPORTING HISTORY AND INFORMATION THAT IS NOT ACCURATE. 
Prove alleged derogatory reporting claim of LATE PAYMENTS is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!