davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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

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 15 U.S.C 1681 section 602 A. States I have the right ot privacy.

15 U.S.C 1681 section 602 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (CA)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is : XXXX XXXX XXXX. 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

My XXXX XXXX account went up XXXX points in one day. It showed all of my accounts in collections removed, my XXXX XXXX  removed, new credit cards showing up as just added. Then dropped XXXX points a few days later. 

Then today XX/XX/2024 my XXXX XXXX account showing Equifax is up XXXX points with all of my collections removed, old accounts showing just added, student loans being removed. There were over XXXX changes to my credit report overnight. I'm sure that my credit score will drop XXXX points like last time. No one online has been able to get ahold of a real person to resolve any of their issues. Some people are waiting 2 hours and still aren't able to speak to a human.
Consumer complaint received 2024-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rushmore Service Center, LLC (CA)

I have a loan that if I pre-pay in XXXX years, would give me a penalty. 
For the first year of the loan, I didn't realize nothing was being paid towards the principal, but as we know, most loans have interest only in the beginning. Anyway, since the principal of the loan didn't seem to be moving, I decided to pay a little extra for the principal - XXXX per month. It went well for that year. 
They seemed to have sold their mortgage to another company. 
Now, if I pay an extra XXXX per month, they ding me with a XXXX dollar fee, saying I am pre-paying the mortgage. However, I tell them putting extra towards the principal is NOT technically pre-paying the mortgage but they insist that I am pre-paying my mortgage. 

So who is right? 

Thanks
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (RI)

In XX/XX/XXXX I sought to establish internet service in XXXX, RI with XXXX XXXX. The service was to provide high speed internet, but upon installation was often only providing 1-2 Mbps as measured by my speed tests. This connection speed is not fast enough for even modest internet usage let alone to stream a program or otherwise effectively use the XXXX. The problem was confirmed by innumerable XXXX technicians over the next year. There were at least half a dozen technician appointments which included checking termination of cables and even changing the cable on the electric pole by XXXX XXXX. In providing access for technicians at these many appointments I often took time off work. Despite their best efforts, the technicians never were able to resolve the issue at this location and explained that the XXXX infrastructure would simply not work to provide internet effectively as currently cabled in this location. Yet I was being charged upwards of $ XXXX for high speed internet with cable. During my time there I paid XXXX over XXXX XXXX dollars for services that were never fully provided as promised. Upon receiving a final bill, I sent a letter to XXXX XXXX department to notify them that I was in fact owed a refund for the services I paid for but did not receive. This letter was sent by certified mail on XX/XX/XXXX. 
XXXX XXXX has now in XX/XX/XXXX caused a collection agency to make a report of unpaid debt in the amount of {$77.00} to the credit agencies thus lowering my credit rating from 830+ by 100 points and thus disqualifying me for a loan from the lender with whom I was working. 
I believe that this action is egregious and has caused me significant monetary damages. I would like this credit damaging report to be retracted at once.
Consumer complaint received 2021-10-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been nearly 60 days, and as of today I still have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Again, it has been nearly 60 days, so I demand they be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and hindrance this has placed on my daily livelihood. My information was likely impacted by the Equifax data breach and may have gotten into the hands of the wrong person ( s ).
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

Complaint against Wells Fargo Bank XX/XX/XXXX XXXX. Well Fargo Bank ( WF ) has not exhibited fiduciary responsibility in handling the opening of my new account with large sums of money, the subsequent wire transfers, and case review after I discovered the fraud. 
XXXX. No one at the WF branch office or higher corporate approval levels, asked any questions with my opening a new account with XXXX XXXXXXXX deposit or with the soon after wire/s out. 
XXXX. WF failed to review and research where the funds were going ( the XXXXXXXX XXXX  ) for potential fraud. 
XXXX. Confusion, inaccuracies, and errors in the WF case handling with no continuity from XXXX ( XXXX ) different corporate office representatives stating they were in charge of my case. 
a. The Reps included : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. WF ignored my voicemail and email requests to discuss errors and actions prior to rendering the case closed. 
Fraudulent Wire Transactions ( all to XXXXXXXX XXXX  ) : XX/XX/XXXX {$600000.00} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {$330000.00} XX/XX/XXXX {$42000.00} Total {>= $1,000,000} Wells Fargo Errors : XXXX. WF added legitimate wires to my claim in error causing on-going issues for my legitimate recipients. I initially identified XXXX wires ( listed above ) to be included with WF XXXX XXXX XXXX. 
XXXX. WF letter on XX/XX/XXXX stated in error that I withdrew my claim for wires totaling {>= $1,000,000}. I took No such action. ( see attached copy ) Wells Fargo Inaccuracies : XXXX. XX/XX/XXXX WF XXXX XXXX XXXX stated incorrectly that the XXXXXXXX XXXX has since gone out of business, implying the reason for lack of funds recovery. 
XXXX. XX/XX/XXXX WF XXXX XXXX XXXX stated incorrectly that the fraudulent wire transfers were done on-line and therefore there was no way to stop them. The wires were done in person at the WF branch office in XXXX, PA. 
XXXX. WF letter dated XX/XX/XXXX inaccurately stated that XXXX ). I asked for all wires from my account to be included and XXXX ). That they ( WF ) informed me that some wires were legitimate. I identified the issue to WF XXXX XXXX on XX/XX/XXXX. ( see attached copy )
Consumer complaint received 2021-10-16
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. (TX)

XX/XX/2021 I sent dispute letters to Equifax and XXXX about a bankruptcy listed on my personal credit report with several errors. They both came back as verified and accurate so I sent the information to the Bankruptcy court to get the issues fixed. However I was given a letter directly from the court staying they do not give any information for credit agencies good or bad. They do not report to any Credit agencies. So this means this information wasn't verified like they said it was.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

XXXX  XXXX XXXX is reporting to Experian an late payment in XX/XX/2021. This mortgage was paid off in full on XX/XX/2021 so the payment could not have been late. I sent verification of payoff to Experian, yet they reported that XXXX declared the info correct. I just need to know how to fix this black mark on my record. Both of the other credit reporting bureaus report no late payments.
Consumer complaint received 2020-03-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2020 i sent {$93000.00} to XXXX via wire transfer from my bank account with BBVA. The beneficiary claims to have never received the funds and BBVA have sent multiple service messages to try and resolve this issue. They have since issued a wire recall service message however this has not been responded to. I have asked BBVA to call the beneficiary bank however they refuse to do so and i'm left with no other option at this time but to file this claim.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NC)

I transferred a {$5000.00} balance to my Chase Freedom Card in XXXX this year ( 2020 ). I was charged {$150.00} for the transfer and the interest was to be 0 % for the rest if the year. 

I continued to use the card and pay it off monthly like I did before the balance transfer, but last month was charged interest on the purchases even though I paid off all purchases before the statement due date. I called and the person I talked to said that as part of the balance transfer purchases now accrue interest daily instead of monthly and she would reverse that interest charge. 

I looked at my statement today and was charged even more interest then I was last month. Looking closer my payments for the purchases are going toward the {$5000.00} balance transfer. My current balance transfer is {$4500.00} .... 

This is extremely misleading and I was lied to on the phone by the women who didn't tell me that payments first go to the balance transfer, she said the interest was because there was no grace period now, it started daily. 

I would never have done the balance transfer or made any purchases after doing the balance transfer if I knew this was how the card worked.
Consumer complaint received 2021-10-15
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 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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX was mailed FTC report to verify all inaccurate accounts, addresses, and inquiries reporting on my consumer credit file. XXXX XXXX failed to provide legal validation off the alleged debts within the lawful time frame. XXXX XXXX is reporting invalidated information this action constitutes Fraud under Federal and State laws.
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (FL)

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (PA)

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 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 The personal data reporting is inaccurate.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be XXXX XXXX accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!
Consumer complaint received 2024-04-01
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX  XX/XX/XXXX As well as over 40 hard inquiries. I have been disputing for fraud for several months and the services keep adding the listing back to my report. The inquiries are hurting my credit. I have called the inquired places several times and they say they can not assist me because I dont have an account for them to look up my info. I am getting very frustrated because I did not approve any of the above dating back to XXXX to XXXX.
Consumer complaint received 2024-03-28
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-03-28
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. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2024-03-28
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. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America on XX/XX/2021 fraudulently submitted a hard inquiry on to my transunion credit file. I called the number on the inquiry because I was not contacted. They told me that was Merrill lynch and they dont see an application. I have extended fraud alerts already and I was not contacted. I did not apply for credit with their institution and I most definitely did not apply for credit. This inquiry is fraudulent, even their credit card department could not locate an application matching my information.
Consumer complaint received 2021-10-16
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. (IN)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete these items right away. I am not happy with seeing derogatory marks on my report it isn't fair to me when I didn't make any of the changes.
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA Savings Bank issued a credit card in my name to someone else in a different state on XX/XX/2020. I did not find out about this situation until approximately one year later when being contacted by a collection agency. I have contacted USAA concerning this issue and they refuse to talk to me directly nor rectify the situation.