davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should 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 breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications.

These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-12-18
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. (CA)

i am a victim of identity theft. my personal information has been used without my consent. there are fraudulent accounts on my credit report that are not mine. these accounts are due to illegal acctivity. please block and remove these fraudulents accounts 1 ) Company or Organization : XXXX XXXX Account Number : XXXX Amount XXXX 2 ) Company or Organization XXXX XXXX XXXX account number Account Number : XXXX amount XXXX XXXX ) Company or Organization : XXXX XXXX Account Number : XXXX amount XXXX
Consumer complaint received 2019-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (NV)

On XX/XX/2019 I received notification from a company stating that they were collecting on behalf of XXXX XXXX. I called and spoke with a representative and I advised that the only thing that is owed to XXXX  would be the equipment and explained that I never received any notification that there was a bill due or that they were sending it to collections. Representative told me that I needed to return the equipment which I did. I called back to see what amount they are claiming was owed now, since I never received an updated notice and they advised me that there were early termination fees and service fees, and a collection fee. I advised once again that I was never notified that there was a balance due and that I was disputing the balance. The representative told me that they were going to report my account to my credit, no matter what.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have had an account with Capital One 360 since XXXX. We use the account to save money in for large home projects. I logged into our account on XX/XX/XXXX to find three large transfers were made to a bank that isn't ours. The amount of the XXXX transfers totaled {$100000.00}. We reported it immediately to Capital One. They took our information and have not reached out with anything more since. We have called, and emailed and no one will talk to us or tell us what is going on. We did get through to a XXXX named XXXX on XXXX day ( XXXX XXXX ) who told us we would only get our money back if they got it back. We received no communication that funds were being transferred -- - no email asking us to confirm the transfer, no fraud call stating that unusual activity was happening and was it us -- -absolutely nothing. I have send email after email begging for status and no one has ever contacted us. Please help us -- -this is alot of money that we can't afford to lose at our age.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (SD)

Beginning XXXX I was unable to access any information regarding my account which has over {$12000.00} in it. Customer service number was inoperable and the website was non-functioning. They mobile application stated that it was offline for maintenance, their website stated that it was offline.
Consumer complaint received 2024-03-20
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. (CA)

I am writing to bring to your attention a serious issue regarding the accuracy of information on my credit report as provided by Equifax. Upon reviewing my credit report, I have discovered the presence of multiple inaccurately reported accounts, which have had a profoundly negative impact on my financial standing and overall creditworthiness. 

XXXX XXXX has the date last active different from the other XXXX bureaus. If the info comes from the same source how can they Be reported different? 

XXXX XXXX is being reported with the date last active different from the other XXXX bureaus. This cant be possible if the info is coming from the same source. 

XXXX XXXX XXXX XXXX  is reporting an inaccurate date last active. The other XXXX bureaus are reporting different dates so whos right. Both bureaus cant be right. 

XXXX XXXX is reporting date last active different then the other XXXX bureaus which again is inaccurate. How can XXXX be reporting different if the information comes from the same source. 

XXXX XXXX XXXX XXXX is reporting the date last active differently from the other XXXX bureaus, which has to be an accurate because they get the information from the same source. Theres XXXX different dates. 

XXXXCustomers date last active is different from the other XXXX bureaus so if the information is coming from the same source, how can they be reporting differently whos actually reporting correctly? 

XXXX XXXX is reporting date last active and accurately because its different from the other XXXX bureaus if the information is coming from the same source, theres no way it could be different. 

Equifax is reporting XXXX different accounts inaccurately, which is a violation on my rights I have attached screenshots of my credit report showing proof that every bureau is reporting different dates. Equifax claims to report accurate information, but clearly from the screenshots it shows the information being reported inaccurately.
Consumer complaint received 2023-01-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Leviton Law Firm, Ltd. (TN)

Left voicemail message disclosing the debt including the amount and the name of the company to whom the debt was owed. 

Did not give any Miranda three separate times.

Refused to provide verification of the debt twice. 

Used intimidating tactics ( " You already received it, it's not my fault you didn't read your mail. '' ) ( " Verification of the debt is not required on this type of debt. '' ) ( " You'll be taken to court if you don't pay this now. '' )
Consumer complaint received 2019-02-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

We purchased our home inXXXX. My address is XXXX XXXX XXXX XXXX, NJ. We locked in our rate at under 3.25 % But my rate was changed by my bank ( a flat rate ) to 7.50 %. I paid this rate for more than two decades. InXX/XX/XXXX I complained and the bank said that they would now change the rate to 4.25 %. They never gave me any credit of monies for there admitted mistakes. And they would provide me with a modification which they said was permanent. I recently received information about my home being up for Sheriffs sale. In XX/XX/XXXX I owed {$24000.00}. And even though I have been in bankruptcy and paying the mortgage company directly I never saw a decrease in what was owed. Wells Fargo now has doubled the amount owed ( {$45000.00} ) and changed the rate to 4.75 % .They never told me that the XX/XX/XXXXmodification was temporary. And most recently I was rejected for a modification. And my home is listed every single month for Sheriffs sale. Wells Fargo has deceived me throughout this whole process. They have always cheated, and been dishonest about this whole process. I have never had any equity in my home. Not from the beginning until now. As a matter of fact Wells had my home equity as - {$25000.00}. I have small children and I have been diagnosed with XXXX XXXX   XXXX. My health is failing. I just want to be in peace XXXX XXXX XXXX XXXX. I as the your organization look throughly at all of the accounting from day one until now. The only thing that I want to happen with this matter is my Deed paid in full from Wells Fargo. I dont want any more temporary empty promises to pacify me in any way. That way I can live in peace XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-03-02
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: Consumer Portfolio Services, Inc. (OH)

Consumer Portfolio Service reported on my inquiry XX/XX/17 on XXXX and XXXX. I did not give authorization and did not apply to this creditor. I called the creditor and XXXX and XXXX to have it taken off my inquiry. No action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX, plus the creditor to have them to remove it off of my inquiry no action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX XXXX to have it removed from my inquiry no action was taken.
Consumer complaint received 2023-01-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Hello, I've submitted my dispute to the bureaus multiple times and they have yet to give me a fair investigation. I believe their responses are automated when I do receive letters all they do is mark it " VERIFIED AND ACCURATE '' and when I request for them to tell me how they came to that conclusion I NEVER EVER get a response back. 

I need a fair investigation because it is my right. 

Since the bureaus have yet to do their job I need these items that don't belong to me to be deleted ASAP!
Consumer complaint received 2019-12-20
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. (WA)

XXXX; Experian and XXXX  are reporting incorrectly that I am (60) days late on the XXXX  – partial account number XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX, account # XXXX and # XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.
Consumer complaint received 2021-11-10
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. (FL)

I the consumer and original creditor XXXX XXXX sent letter to credit reporting agency in regards to not having any written consent to report anything on my consumer report. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

No consent is Identity Theft. Concerning the account listed below as the consumer I am demanding a deletion of these accounts.

Account Account Number US Dept ED XXXX XXXX XXXX XXXX Inquiry Inquiry Date XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MS)

In XX/XX/2018 American Express failed to collect my online payment for my account. I have just learned of this since I am applying for a mortgage and this is negatively affecting my credit score. 

I spent over an hour on the phone with different representatives trying to get this cleared up and I was provided inconsistent information by three different representatives. 

The first told me they didn't have data going back that far to check, the second told me that they did in fact have the data and that the data was correct and the third told me that the only way for me to escalate my complaint was to send a letter to Amex.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, I made two deposits at the XXXX XXXX XXXX XXXX XXXX Nj XXXX ( because I had a lot of bills I made two deposits but I would have liked to make a single deposit of {$3400.00} ) the first deposit I made was {$1100.00} and The second deposit was supposed to have been {$2300.00} ( which was the amount of bills I kept from the first deposit ) now ... the ATM only took the amount of {$1100.00} and the other bills were not returned to me. I made the complaint to the Wells Fargo complaints department and they made me a provisional deposit of {$1200.00} and then after 10 business days, they took back that provisional deposit and sent me a notice that I had not won the complaint. I requested a review of the case, and they told me they had already done the investigation and that day there were no leftover bills at that ATM. That was the reason why the complaint had not won. I complained to management again asking what was going to happen with my missing {$1200.00} and they said they couldn't do anything for me this time. So it's been four months and they still don't give me a solution every time I call they said sorry we are not able to help you.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC. (FL)

From XX/XX/XXXX, XXXX XXXX, 2022 XXXX a recent widow, at age XXXX, I responded to a XXXX notice of payment. XXXX XXXX, at XXXX, told me I was being hacked, and to call my bank, XXXX XXXX XXXX. I called the number on the back f my debit card and asked for the fraud department. The fraud XXXX at XXXX  XXXX XXXX indicated that someone at my branch had sold my identity. I was not to trust anyone there. I was also told that telling anyone about this would put my children at risk since the hackers knew everything about us including where my grandchildren went to school. I did not know that the hackers had spoofed the bank phone number. 
My computers and phone were hacked. Without my authorization, these people emptied {$250000.00} from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for {$250000.00} and XXXX XXXX  for {$100000.00}. The hackers created a new links using all my identifying information. Most deposits and withdrawals were done by a linked XXXX  XXXX XXXX account. I was never notified that there was any large activity in my account. The hackers created an account in my name at XXXX  XXXX XXXX where they siphoned funds from my linked bank accounts to their account. I wasn't notified that a new account was created, and XXXX  XXXX XXXX is culpable in the amount in those XXXX XXXX  Accounts of {$450000.00} For XXXX months, I was terrorized, metaphorically held XXXX with veiled threats of being followed, putting my children and grandchildren at risk. Since this shell game was done by entering my computers and phone, it looked like I had moved the money when in fact they ROBBED me of {>= $1,000,000} ( XXXX XXXX XXXX XXXX XXXX dollars ). 
I have a police report, FTC case number, FBI Report, a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida Attorney General and I will continue to add more such as XXXX for their sponsorship of XXXX by XXXX XXXX who has been the biggest, most rude and negligent of all the banks. 
I have been financially XXXX. I do not leave the house, I don't answer the phone, I have lost trust in the system and the hackers are winning when the bank personnel really don't investigate and don't protect their clients.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (NC)

I have been trying to check my account on the Serve App and the American Express website but the same message has been displayed since XXXX am and its going on XXXX pm now. I have called and spoke to 2 representatives, the first one told me that it wasnt a breach and that it would be resolved in 2-3 hours and the second person told me 3-4 hours. I received a direct deposit today ( well at least I think I did because I have no way of checking ) and Im trying to withdraw money but its saying insufficient funds. Todays date is XX/XX/2019
Consumer complaint received 2022-12-18
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. (OH)

In accordance with the Fair Credit Reporting Act Key XXXX XXXX XXXX ( in the amount of {$3000.00} ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$740.00} ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amounts of {$500.00} and {$580.00} ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting Act First Federal Credit Control ( in the amount of {$220.00} ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$120.00} ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$81.00} ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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