davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX I began getting emails from Barclays indicating that my account was past due. I only had the card for a month, so I had 1 statement, which I paid in full before the deadline. I called Barclays and XXXX told me he would remove the fees and interest charges and asked me to contact my bank the following Monday to see if I could substantiate the payment. I use XXXX XXXX  on line banking to pay bills. XXXX processed the payment on XX/XX/XXXX and estimated it was delivered to Barclays a few days later. They had a copy of the cancelled check. I contacted Barclays on XX/XX/XXXX and they confirmed that the fees and interest had been credited - although I was still getting messages that I was late - but was told nobody issued a Missing Payment probe to resolve the matter. I was told it would be initiated then. ( I had also emailed Barclays on XX/XX/XXXX to report the problem and as of XXXX I still have not had a response to that email. ) Today XXXX I attempted to use my Barclays card and it was rejected. I called Barclays again and was told that I needed to pay {$27.00} if I wanted to use the card before the matter was resolved on their end, which could take 25 days. Nobody told me it would take 25 days to resolve the matter. And nobody told me I would not have use of the card while they looked for a copy of my check WHICH THEY CASHED. All this over a {$27.00} fee that I do not owe. I had another complaint about Barclays last year, which CFPB helped me to resolve, but I was so unhappy that I cancelled the account. I went back this year because I had hoped to use the mileage. Frankly I think it was a mistake to reopen the account. They are impossible to deal with.
Consumer complaint received 2020-04-07
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$510.00}
Consumer complaint received 2020-04-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC (WA)

On XX/XX/2020 XXXX from D & A LLC called my cell phone looking for XXXX XXXX which is my XXXXyear old daughter. When I asked what this is regarding, XXXX was insistent on speaking with my minor daughter. When I asked what her company specializes in, she refused to answer my question and repeated with I can only discuss this with XXXX XXXX.
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage process took over 6 months. They were in violation of Reg B. They have 30 days to make credit decisions after they receive all requested information. They play this game and request more and more information and even request information that is not applicable ( for example I own a duplex and they would ask for rent information on a 4 plex ) So that starts the clock again for the 30 days. 
This went on and on to the point I had to draw a line in the sand and say you have been given all the information you requested and I still do not have loan approval or denial so you have to make a decision. 
I have complained to the company and they have told me a bunch of false and inaccurate information on information requests that they made and I have all the documentation showing that I have responded in a very timely manor and given them everything they needed. They were busy and hiring temps to cover the work load. I worked for Wells Fargo in a non mortgage related capacity. I can tell you that the corporate culture is to deny and bury consumers in paperwork to stop the clock. This has damaged me and my ability to receive fair credit as a US Citizen and taxpayer. 
I have 13 emails responding to their requests for information.
Consumer complaint received 2022-11-07
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX Late payment reported XXXX XXXX Late payment reported XX/XX/2022 Payment Made in Full Furthermore, the FAIR CREDIT REPORTING ACT 15 USC section 1681 ( 2 ) ( a ) ( ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include.

( A ) Subject to section 16815-3 of this title, any.

C ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC section 1681.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a visa credit card through my bank, Bank Of America, I had a charge that I disputed and they took it off, that was what I wanted. I had them negate that card and issue me a new card, which they did. The previous card was no longer valid. I now have a charge on my new card that I did not authorize. A year ago I bought a computer from XXXX XXXX along with a warranty, for one year, which I paid for at the time of purchase in XXXX of 2019, that was on the old credit card that I destroyed. Somehow Visa has given them my new credit card number which I have not authorized them to do and XXXX XXXX has charged my new card, which I did not use with them for that purchase. I tried contacting XXXX XXXX and got nowhere, I have spent almost the entire day making calls and E mails to no avail. I think Visa should be held accountable for disclosing that information, it sounds to me that they took best buys word for that charge and did not bother consulting myself Your organization needs to look into this kind of dealings, please let me know if I can get this issue resolved. XXXX XXXX XXXX mail : XXXX cell XXXX Thank You Very Much for your time
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-02-17
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. (GA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (RI)

At approximately XXXX XXXX2020 I tired logging on to my Chase online account. I received the notice that it was locked due to suspected fraudulent activity and was given a number to call. As of XXXX XXXX2020, I am now on my third call with Chase. The first time I called I waited 2 hours and no one picked up after the front line customer service specialist transferred me to the security specialist. I tried again and this time I waited another 2 hours after a 30 minute wait to be transferred to a security specialist by the front line customer service representative. After the 2.5 hours, the phone rang but no one picked up and my call was dropped.Currently it has been another 45 minutes on my third call to even reach a front line customer service specialist. I need to access my account online to be able to verify that payments will go through on time to ensure that I will not be charged any interests or fees.
Consumer complaint received 2020-04-15
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. (MS)

Account previously in dispute, Company failed to resolve. According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original sign consumer contract and any and all accounts you post on the credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof and original consumers contract with my signature on it you have on file of the accounts listed below. XXXX failed to positively verify these accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX The unverified items listed Above remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and it is correct. In the results of your first and second investigation you stated in writing that you verified that these items are being Reported correctly? Who verified these accounts? You have not provided me any copies of any original documentation required on the section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and a remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious to consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I also believe that another credit file have been mixed with mine.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX of XXXX bank continue to report incorrect information. In XX/XX/2023 they accepted a payment agreement with XXXX of XXXX. The amount submitted by XXXX or XXXX was {$81.00}, synchrony bank accepted this with a note that they wanted to chnage the amount. 

As per XXXX of XXXX that is the incorrect way to do it as its accepted in the system. XXXX bank should have declined the proposal and submitted a new one. XXXX of XXXX said that XXXX is aware of the correct way to ask for a payment change and the error was on their end as they accepted the proposal. Each month I made payment to XXXX of XXXX and it was made to XXXX bank for the accepted proposal. XXXX bank made the mistake. XXXX of XXXX contacted XXXX bank, they realized what the error was and I was told I didnt need to pay the past due as it was XXXX XXXX XXXXXXXX they were going I fix in their system. XXXX did fix my credit report that month but didnt update their system. 

I have the correspondence between synchrony including proof they accepted the {$81.00} proposal, adding a note of different payment is not the correct way to do it, they had to decline the proposal. If this is not fixed on my credit report I will be contacting a consumer credit lawyer.
Consumer complaint received 2020-04-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEADER ONE FINANCIAL CORPORATION (WI)

I want to file a complaint against XXXX XXXX NMLS XXXX at leader bank in Wisconsin XXXX XXXX I do believe. 
My first encounter he belittled me like I never have been before telling me in the 5 minutes he talked to me he could tell I have problems. I got off the phone crying. He apologized the next day because I told the person who recommended him. So I cautiously gave him a chance. So as I looked at houses and he is the loan officer he  would say hey this new house is coming up do u want to check it out. Of coarse. He asked if I had a realtor I said yes. He said well we have one at the bank who can show you this house if you dont have a signed contract with the realtor. I said thats fine. I wasnt to happy but I was glad to see a house first. So he said meet XXXX. Well I go to the showing and he is there and XXXX is there. He said this is my wife XXXX. I was not happy. I know what he was doing. He was gon na give me the loan if I used XXXX. I was not intrested in the house. So I saw a few houses by owner or at open houses and first thing hed say is do you want XXXX to write the offer. I said no we have a relator I told you this. After several attempts to manipulate me to use his wife and me rejecting him he stopped answering my calls for the loan. Stopped all contact with me. This was very I Nprofessional I felt u confrontable I felt so uneasy. I found a new banker and he had told me about this web site. I will tell you its worth looking into. This is completely against ethics. He should be fired. I hope something should be done
Consumer complaint received 2020-04-02
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: SYNCHRONY FINANCIAL (IN)

On XX/XX/XXXX, someone applied for credit under my social security number with XXXX XXXX. I called XXXX Card services and they say they have sent a request to have the inquiry removed but they refused to tell me any other information except that my name was on the application.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have no knowledge of these collection accounts and I didnt authorize nor sign any documents and its messing my credit report up and I cant get approved for credit I have a great payment history never late and I ask it be removed per fair credit act the dates arent recognizable and the amounts dont match up to anything I would apply for please show me proof with my signature on or please remove off my credit report either show proof or I would contact my attorney and file a lawsuit against you for false information on my credit report I take no responsibility for any of these collections account on my report
Consumer complaint received 2020-04-02
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. (IN)

On XX/XX/XXXX, someone applied for credit under my social security number with XXXX XXXX. I called XXXX XXXX services and they say they have sent a request to have the inquiry removed but they refused to tell me any other information except that my name was on the application.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

Credit Card Company Complaint Barclays Bank Delaware XXXX On XX/XX/XXXX a check in the amount of XXXX was mailed to Barclays Bank 's remittance address for payment on the outstanding balance of my credit card account. 

On XX/XX/2020 the check cleared, but Barclay did not update the balance due on my account. 

I contacted them and they said to wait a few weeks. 

I called every week and they said to give it more time. 

I waited till XX/XX/2020 and I called again, this time i had a copy of the check front and back from my Bank ( XXXX XXXX ) as evidence that Barclay deposited the check into their account on XX/XX/XXXX. 
A complaint number was opened and I faxed them copies of the check that clearly show my account number and the correct remittance address. The back of the check shows the Barclay endorsement stamp. 

They said it would it take a yet a few more weeks, .... 

Well now its XX/XX/2020. over 8 weeks later and they wont respond to my emails online messages or calls for status updates.. 

They wont send me a letter email or phone call. Nothing! They still are billing me for the amount due that I Paid 8 weeks ago. 

They were allowed to take my money without updating my account and no one can stop them.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Last year, XX/XX/XXXX, I became aware of a negative item from XXXX Card Services appearing on my credit report with all three major credit reporting services. An account with XXXX was allegedly defaulted in XXXX and charged off shortly thereafter. I filed a dispute with each and the item was allegedly verified by XXXX. I then wrote XXXX  on XX/XX/XXXX,  requesting they validate item under the FRCA by providing competent evidence bearing my signature or other item stating that I have or ever had a contractual obligation to them. I received two letters from XXXX   dated XX/XX/XXXX. Each letter was from customer service and bore no name or signature. One letter contained only a copy of statement purportedly from the period XX/XX/XXXX-XX/XX/XXXX. Letter 2 contained only a copy of a purported statement from XX/XX/XXXX-XX/XX/XXXX, with no explanation of any kind. These statements were 15 years old. It appears obvious they have nothing bearing my signature or anything to show a contract and they are obfuscating that fact with only these very outdated statements.
Consumer complaint received 2020-04-02
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. (MA)

Last year, XX/XX/XXXX, I became aware of a negative item from XXXX Card Services appearing on my credit report with all three major credit reporting services. An account with XXXX was allegedly defaulted in XXXX and charged off shortly thereafter. I filed a dispute with each and the item was allegedly verified by XXXX. I then wrote XXXX  on XX/XX/XXXX, requesting they validate item under the FRCA by providing competent evidence bearing my signature or other item stating that I have or ever had a contractual obligation to them. I received two letters from XXXX  dated XX/XX/XXXX. Each letter was from customer service and bore no name or signature. One letter contained only a copy of statement purportedly from the period XX/XX/XXXX-XX/XX/XXXX. Letter 2 contained only a copy of a purported statement from XX/XX/XXXX-XX/XX/XXXX, with no explanation of any kind. These statements were 15 years old. It appears obvious they have nothing bearing my signature or anything to show a contract and they are obfuscating that fact with only these very outdated statements.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: John C. Heath, Attorney at Law, PLLC (TX)

Lexington law had a person that used my information. Also XXXX XXXX had all my information including my banking information as well as picture of my Identification/Driver 's License so I know for a fact that this bill isn't mine and I do have the proof if you need to see it. I didn't know until this year that any of this went on. I also notified the IRS to put a flag on my income tax because someone's using my number to do income tax as well. The IRS as well had contacted me because of the fraudulent activities as well. Again I am still working with IRS to get all of this straightened out. Please help me solve these problems because as you see I pay my bill on time every time.