davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

We have been dealing with Wells Fargo on getting a charge reversed where a vet service charged my card on file without permission the day of service on XX/XX/XXXX. They sent him me an invoice also which I sent out a check for not knowing that they had charged my card. Once I found out the card was charged I filed a claim with Wells Fargo that the card was fraudulently charged. I spent about 2 hours with a banker in the branch who got the claim started named XXXX. After that I had to come back and spent another 2 hours with a banker named XXXX also. A claim was put in for {$4500.00} to be investigated and I received a credit of {$4500.00} into my account. After some time I received a letter saying that the investigated was complete and found that the charge was not fraudulent and took out {$4500.00} from my account. They then re escalated it and requested more info. I provided them with the check that was deposited by the vet and with a letter from the vet stating that they were already paid by check and the charge should not have been done on the card. I waited for the resolution of it but Wells Fargo came back and once again said that they did not believe it to be fraud and would not put the money back in my account. I got it re escalated once more and this time talked to a manager named XXXX on their resolutions team she then transferred me over to the claims department to start up a whole new claim as the previous one had been closed. I spent about 2 hours on the phone with someone whom we told the whole case to and said she started a new claim for us. While waiting for a claim number she gave me an email to send the documents to once again. She could not provide me a claim number as she said it would take 24 hours to populate and to call back the claims department the next day. I called back the next day and waited on hold for a little over 1 hour. After getting someone and asking for the claim number they gave me my old claim number. After telling them this was the old claim number I need the new one they said that no one had submitted a new claim and that one did not exist. I escalated this to a manager named XXXX. Immediately XXXX was rude and just talking over anything that was being said. He kept telling me the old claim is closed, that we can not open a new one even though a person the previous day stated that they did open one.
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (OH)

I currently have 2 loans that I have been overcharged for. I reached out to the company and I have been told that they are investigating it. The loans are ID:XXXX- Purchase amount XXXX w XXXX intrest & ID : XXXX-Purchase amount XXXX w XXXX intrest. My purchases don't add up to anywhere near the amount listed. I reached out to XXXX numerous times and was always directed back to Affirm. I have proof of my complaint.
Consumer complaint received 2023-01-20
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. (IN)

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.
Consumer complaint received 2022-12-01
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. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: TRUIST FINANCIAL CORPORATION (TN)

I receive earnings to the XXXX XXXX XXXX and the card has been listed as expired preventing the use of the card without notice and I am unable to get information on how to access funds or speak with proper support about the issue.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Account name XXXX XXXX Account number : XXXX and XXXX On XX/XX/2018 loans was took out in my name fraudulently. Due identity stolen i sent documents to three credit bureaus to do investigation on this matter. 


In accordance with the Fair credit Reporting act Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A States I have to privacy. 15 U.S.C 1681 Section 604 SECTION 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-05
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. (TX)

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 18USC 1028a Aggravated identity theft 15 USC 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 2023-10-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc. (TX)

I was let go from my previous employer at XXXX it took my awhile to get a new job, in the meantime I could not afford to pay the mortgage, which I owe {$23000.00}. I can not afford to pay that to bring it up to current. My income is {$150000.00} so I can pay extra but XXXX XXXX won't allow Mr Cooper to do that. 
I have asked to get a new loan and put the areas at the end of the the loan. 
I do not understand why I am being decline.
Consumer complaint received 2023-10-25
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. (NY)

I believe there is an error in my credit report, as some of the information listed does not pertain to me. It appears that XXXX and TransUnion are not in compliance with the Fair Credit Reporting Act, as they have not removed these inaccurate items from my report. I am currently working to rectify this situation and ensure that my credit report accurately reflects my financial history.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX ( " XXXX '' ) Account number XXXX Reported inaccurate Dates on credit report, causing harm to my credit. I then sent a complaint to XXXX  and will attach the response from XXXX XXXX.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (GA)

This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.
Consumer complaint received 2023-03-05
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. (TX)

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 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 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 2023-10-25
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. (CA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have closed accounts on my report that are in violation of the law 15 usc 1681b and 15usc 1681a/ ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;..

And I want them remove asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies * U.S. Code * Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 informations Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX Equifax and XXXX Please make-up your mind You are reporting me delinquent for Citizens one Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX Equifax DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not XXXX not but minions of times that Citizens has provided you with the current delinquency months yet you XXXX Equifax End XXXX have failed to update it correctly
Consumer complaint received 2023-06-27
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. (GA)

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-13
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)

contact about credit report no available called on XXXX to get lifted was told it was done. XXXX week it was not done on the XXXX called againd said it was done was baks problem called again on the XXXX was on hold for XXXX hr XXXX min XXXX sec. got told nothing they can do have to wait and get exculated with no time frame no explanation of problem this is a new business i purchased and need my credit ran and this is the XXXX time this has happed with equifax i have a complaint that was filed last yr. they can control what a man gets and does with no responsibilty to who it hurts and concers half the people you cnat understand, have documentations of time on phone and names, first XXXX was XXXX XXXX XXXX XXXX this time after forever on hold a lady with an attitude ( XXXX XXXX told me that I was just a pain and get over it after explaining myself and the problem tole me to bad no time frame to correct or even what the problem was. have sent them my driver 's license at least XXXX  times and my ss card as many. XXXX is using their control over people for whatever they feel fit without any repercussions they are not controlled and have all the control. This need to end as this is my XXXX time around in XXXX  months and probable because i complained here.
Consumer complaint received 2023-03-04
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. (MI)

XXXX XXXX has sabotaged my credit with false late payment claims when in fat the payment was confirmed received and applied to my account before due dates. It wasn't until i went to refinance that I noticed these damaging reports and when i spoke with A Hire up I was told they would be corrected and the payments where also under an agreement program in which no late fees or charges or reports will be applied. I also noticed that there reporting was inaccurate across all three consumer reporting agencies which makes these reports in accurate. I would like all late payments removed immediately.
Consumer complaint received 2023-02-18
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. (GA)

Whoever is trying to resolve this problem at Experian opened up a dispute to change my name today XX/XX/XXXX but are not addressing the issue correctly. Why are they so confused when I was crystal clear? They're not giving me an opportunity to correct this and in their doing so without proper understanding of the problem, they still left out the name that is displaying as my default name. They're listing the original name twice and not the name in the middle that I reported about. 

They claim I never told them of my name change, and someone is lying because I found the document on my computer. XX/XX/XXXX was the date. I'm attaching it and I put the name you left out in RED on the 2nd page of the PDF. 

Look, this isn't rocket science, but requires someone to pay attention and notice the order of my name changes. Count the E 's. I do not have to upload court-orders and they're not providing me a way to do so anyway. They're manipulating the Experian database. This is unreal and given the attitudes of people answering the phones, I will not call Experian again. They don't tell the truth, they're argumentative, and are trying to get away with doing nothing but telling me to call creditors for this problem in their database. 

I am NOT calling creditors. I know how this works. They can not change how you're propagating fields in your front-end user interface. I do not know which one ( s ) keep sending you that name and I don't believe they are. Those accounts will sit there until XX/XX/XXXX when I plan to get them off my report for good. 

CFPB, I read that you're supposed to do something besides pass these complaints back and forth. Are you the XXXX or what? You do enforcement that I require here. This is violating the Rehabilitation Act and the Americans with Disabilities Act, because I'm XXXXXXXX XXXX XXXX. It's also violating the Fair Credit Recording Act. It has cost me credit, given me headaches, confused other bureaus, threw me into the hands of attorneys who refused to help because of the reason I changed my name, and held up my ability to obtain a mortgage. That was with Veterans United who took 2 months to straighten out this name nonsense to get my credit score. Current mortgage company was confused for a bit as well. 

It's nobody 's business why I changed my name, let alone twice. It was for very personal reasons and won't happen again. It wasn't malicious or fraudulent. I did it by the book and through the XXXX court system. What is being done at Experian is intentional & malicious. Whoever that is opens disputes & closes them without my interaction. FULL STOP! If I call, I won't get that individual who knows how to do it. Really, ladies & gentlemen, I'm too old for this nonsense and I'm being stressed/worn out on purpose.
Consumer complaint received 2023-03-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).