davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion I disputed the inquiries and they kept telling me there were verified. I ask them how were they verified, can I get the proof, they denied my request. I try to file a police report but the kept telling me to just cal the bureau. I sent them numerous dispute letter.
Consumer complaint received 2023-05-08
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Over the last year I have been dealing with an unauthorized inquiry from XXXX XXXX. Reporting an unauthorized inquiry. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. 

I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. They admitted on there recorded phone line that I XXXX XXXX never had a application nor an account with XXXX XXXX XXXX. 

I also contacted XXXX, EQUIFAX, and XXXX. Which each company placed blame on the other and advised me to call the CREDITOR and call the CREDIT BUREAU. Call the CREDIT BUREAU call the CREDITOR. It became very immature and aggravating. I was not able to get any sufficient answers nor any resolution. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

According to 15 U.S. Code 1681s2, XXXX XXXX has a duty to provide accurate information to the consumer reporting agencies. It is prohibited by law to 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 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-12-27
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. (NJ)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must get rid of the listed account from my file. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

Hello, I am contacting because Wells Fargo keeps charging me a monthly fee on my checking account. Normally, before COVID-19, I made 10 debit transactions and avoided that fee. The Wells Fargo website stated that they help during COVID-19 so I called XXXX on XX/XX/2020 at XXXX MST and spoke to XXXX who refused to give any other identifiers ( i.e., ID number etc. ). I explained him that I have a documented XXXX and by CDC guidelines, should avoid public places and as such, I cant use debit card 10 times per month to avoid that fee. I asked him if you could reverse the monthly fee on the account for the period XX/XX/2020 - XX/XX/2020 but not only he refused to do so but he was also rude. 

Overall, during the last several months, I am observing the trend that Wells Fargo customer service is getting rude and unprofessional.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Ok so I did a dispute on XX/XX/2020 because Equifax was reporting the wrong demographic information for me. I pay them XXXX a month to be able to check my score an make sure everything is report accurate. I have been doing so since XXXX XXXX. So when I filed my claim on XX/XX/2020 claim # XXXX I got my result back from Equifax on XX/XX/2020 stating that they has updated my report an the invalid names an address had been removeD. So here I am thinking that I could view a updated an corrected version of my credit profile. Wrong it was not updated. So I called spoke to a agent who told me that she apologized an that maybe the site had not updated yet but she would mail me a copy of my report. This was on XX/XX/2020 I said ok they told me to check back on the site an It should be fixed. So here we are I havent received my copy report in The mail an it is XX/XX/2020 an the information online is still reporting inaccurate so I called back on XX/XX/2020 request a refund as well as for my information to be corrected I was given the run around they agent gon na tell me I need to redo my dispute. I ask for a supervisor an she gon na tell me that they were goin to tell me the Same thang an then after being on hold for almost a 1 hour she does not put a supervisor on the line she transfer me to a survey. An the calls disconnects. This was a whole mess not to mention a Inconvenience not only was I treated badly my credit profile still has inaccurate information reporting on it. all the while they sent out documentation stating they removed it. They intentional did not want to assist nor remove this incorrect information. Something needs to be done. They just done care
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I recently sent a request to all three Bureaus - XXXX, XXXX  and XXXX  reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

1. The status is incorrect for the following account XXXX/XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The status is incorrect for the following account CITI Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

Hello : I am XXXX XXXX, and was a few days late on my XXXX payment but, on XX/XX/XXXX i made a payment via my checking account. It was never processed. Along with several other attempts caused my payment to accrue tons of late fees. In addition to this my XXXX payment via my checking account has not been processed. As I am recovering from XXXX My husband is handling my affairs with mortgage payments.
Consumer complaint received 2020-09-26
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)

I sent the following letter to XXXX. My credit score was XXXX, after their investigation my credit score was dropped to XXXX. There have been no changes to my report. 

XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Date of XXXX : XXXX 3. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Name : XXXX XXXX XXXX 5. The following personal information is incorrect Date of Birth : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this ma
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Experian shows me as an authorized user on a XXXX XXXX XXXX credit card with an $ XXXX balance. I do not have any accounts with XXXX and Im not an authorized user on any accounts. I called XXXX   and they were not able to find any accounts tied to my name or SSN. They opened a claim to further investigate and I received a letter stating the same account information from the credit report with no additional actions or resolution. I called XXXX after receiving the letter and after about 30 minutes of attempts, they were not able to find any accounts tied to me. I filed a dispute with Experian, as this account is not showing up on the other two credit reports. Experian closed the dispute with no resolution and the account and balance is still showing on the credit report. Its not right that this $ XXXX balance is effecting my credit score when no one can even locate the account in any of their systems. Its clearly a data glitch that needs to be corrected.
Consumer complaint received 2020-10-03
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had automatic payment scheduled to pay mortgage byXXXX of the month on XXXX from my checking account to mortgage at Bank of America. However it did not pay until almost end of the day on XX/XX/2020. I called mortgage department and asked them why money was not transferred from my checking account to pay the mortgage as I scheduled automatic payment by XXXX of each month and I told them that I have a printed copy of confirmation. I was told that they did not find any information regarding automatic payment scheduled. So I paid {$1000.00} toward mortgage from my checking account on XX/XX/2020 ( confirmation # XXXX ). On XX/XX/2020 I found that they transferred {$1000.00} into mortgage payment from my checking account and my checking account was minus {$1000.00} in red. I called mortgage department and ask them to reversed the transaction and put {$1000.00} back to my checking account on XX/XX/2020. bank of America did not reversed the transaction and kept the {$1000.00} as XXXX mortgage payment and my on line showed next mortgage payment is due on XXXX. I called and talked to Bank of America may times but they did not fixed the transaction until almost end of the month. So I called Bank of America again to keep the transaction as I paid the XXXX mortgage payment because it was almost time to pay the XXXX mortgage payment anyway and it did not make any sense plus at least I paid XXXX mortgage payment on XX/XX/2020 will save me money on interest and they put that request to their escalated team ( supervisor ) .Bank of America did not followed request and reversed transaction on  XX/XX/2020 put back {$1000.00} into my checking account which cost me a lost of interest payment. Also I made mortgage payment of {$1100.00} ( extra {$100.00} toward principal : confirmation # XXXX ) with help of customer service from mortgage department on XX/XX/2020 but extra {$100.00} was allocated as unapplied fund. I called Bank of America to credit extra {$100.00} toward principal payment but as of XX/XX/2020 it has not just like XX/XX/2020 mortgage payment problem.
Consumer complaint received 2023-05-08
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. (TN)

I contatacted XXXXXXXX XXXX and showed proof that the debt was connected with fraud and they indicated they would remove it from my credit report and has yet to do so .Paid off Balance {$77.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX When speaking to the Experian agent they indicated they would remove it and has yet to do so
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (TN)

all bureaus ( 20 ) companies are claiming data breaches so they can continue to exert nsa level dominance by unlawful resale and digital circumvention ( now backed by hashes, so consumer can not refute eOscar data ) any and all possible data a consumer may ever have in thier entire lifetime. 3rd parties repeatedly refuse to redact and purge data ( denying ability to rent an apartment ) while the three main bureas exert pressure to deny you the ability to borrow from any company or bank- or lender. I have tried over 3 major mortgage firms, have approval ( expired in fl ) for a VA mortgage- am being repeatedly denied score data- asked to unlawfully pay for said- and the same with my mortgage companies. I have urgent housing situation and these companies are treating american veterans like the XXXX SS.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (TN)

all bureaus ( 20 ) companies are claiming data breaches so they can continue to exert nsa level dominance by unlawful resale and digital circumvention ( now backed by hashes, so consumer can not refute eOscar data ) any and all possible data a consumer may ever have in thier entire lifetime. 3rd parties repeatedly refuse to redact and purge data ( denying ability to rent an apartment ) while the three main bureas exert pressure to deny you the ability to borrow from any company or bank- or lender. I have tried over 3 major mortgage firms, have approval ( expired in fl ) for a VA mortgage- am being repeatedly denied score data- asked to unlawfully pay for said- and the same with my mortgage companies. I have urgent housing situation and these companies are treating american veterans like the XXXX SS.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, 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) (TN)

all bureaus ( 20 ) companies are claiming data breaches so they can continue to exert nsa level dominance by unlawful resale and digital circumvention ( now backed by hashes, so consumer can not refute eOscar data ) any and all possible data a consumer may ever have in thier entire lifetime. 3rd parties repeatedly refuse to redact and purge data ( denying ability to rent an apartment ) while the three main bureas exert pressure to deny you the ability to borrow from any company or bank- or lender. I have tried over 3 major mortgage firms, have approval ( expired in fl ) for a VA mortgage- am being repeatedly denied score data- asked to unlawfully pay for said- and the same with my mortgage companies. I have urgent housing situation and these companies are treating american veterans like the XXXX SS.
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

XXXX XXXX has reported a derogatory item on my credit reports. The claim I owe them {$2900.00} on an account that I have no knowledge of. I never had service or an account with this company. I disputed this account with the credit bureaus and they refuse to take it off of my report ... .claiming that it met the FCRA requirements. This is not true. I reached out to XXXX With a complaint and they said that they have no record of me at all in their system. Yet the credit bureaus continue to report this information.
Consumer complaint received 2020-01-03
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. (MI)

XXXX/XXXX XX/XX/XXXX {$6600.00} XXXX  XX/XX/XXXX {$9200.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX  XX/XX/XXXX {$8800.00} XXXX XXXX XX/XX/XXXX {$290.00} inquiries XXXX XXXX F XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (GA)

On XX/XX/2020 i checked my credit report and realized there is a collection agency trying to collect a debt that i have no knowledge of i never signed any agreement with this company nor have i and contract with them and any of thete affiliates
Consumer complaint received 2020-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I received my credit score and credit report updated for the month of XX/XX/2020 with a 14 point drop. The credit reports I received explicitly mentioned that there was nothing justifying the drop. I submitted all my financial data to a financial analyst who confirmed my suspicion that it was a mistake. 
Whether the mistake was malicious or not we dont know. In one of the reports, something about my medical information, which surprisingly couldnt be disclosed to me but could be disclosed to credit agencies, was mentioned. If so, I demand the credit agency contact the source of this information since I am in a legal contention with them and they not I owe me money. 
This third party has retaliated in many forms, none legal, and I have been able to dodge their attacks. I demand the credit agency to fix my credit score. I worked very hard to reach the excellent credit score I  had and I do not intend to accept more corporate retaliation. 
This issue involves all three credit agencies : TransUnion XXXX  XXXX