davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (AL)

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. 

List account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-02-08
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. (LA)

XXXXXXXX XXXX Launch Servicing Incorrectly reporting to my credit accounts My identity was stolen in 2020. I filed a report with the police in XXXX XXXX, GA.
Consumer complaint received 2022-04-18
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. (OK)

Please refer to the attachments. The first attachment will show an intercepted tax refund lien by XXXXXXXX XXXX, which intercepted my XXXX tax refund to pay their debt in full. The amount applied was {$380.00}, which paid the debt in full in XXXX XXXX. However, XXXX acct : XXXX, through their client XXXX XXXX is currently reporting the collection on my Experian Credit Report as a balance owed ( Please refer to the attached Experian Screen shot of my credit report. XXXX XXXX has reported the collection in XXXX, XXXX, and now in XX/XX/XXXX. Additionally, I have contacted XXXX XXXX and Experian disputing the inaccurate paid debt, which neither has taken action.
Consumer complaint received 2023-02-08
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: Alorica Inc. (WI)

I had a charge off with XXXX. XXXX transferred the account to SST. I paid off the charge off in full on XX/XX/XXXX. SST said they would report to the Credit bureaus. They didn't. XXXX said they can't change the status because XXXX no longer has the account and they don't contact the new account holder. 
SST 3x has given me 3 separate dates that they will report this to all 3 credit bureaus including that it may be several months because the are new at this. 
The Account should read charge off paid in full instead off just charge off. Thanks
Consumer complaint received 2023-02-07
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$590.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX  XXXX Balance : {$42000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$33000.00}.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (DC)

On XXXX XXXX, I needed a new hot water heater and was under the impression I was getting a loan, not a credit card. The invoice I received from the company does not state that I agreed to a credit card or what the payments are, however the invoice does state that there's a 9.99 % APR ( which is what I agreed to ) On XXXX XXXX, I received a credit card agreement from Wells Fargo. The agreement states that my APR is 28.99 % -which is not what I agreed to-and doesn't list out the 'special terms and apr ' period is.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (FL)

This debt collector is attempting to collect an alleged debt that is now time barred from credit reporting or a lawsuit, thus, they purchased it for a few pennies on the dollar. By way of this complaint, the business can cease and desist text messaging, US Mail letters or any other communication tactics. Further, the business should not be forwarding this another " friend in the business ''.
Consumer complaint received 2022-04-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (VT)

Company reposed vehicle would not allow any financial loan repayment plan. Did not disclose where the vehicle was taken at time of repossessed never allowed to regain belongings and was only able to locate vehicle when notified it was be up up for auction in Connecticut residential registration address is Vermont creditor has misreported this collection amount as a charge of for full amount of total loan then opened another 3 party debt collection agency to report same debt in the collection amount for the debt amount owed which is never confirmed or verified via noticed of vechicle sold at auction and amount received for payment of vehicle when sold at auction
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

We opened a new Wells Fargo Visa card to handle all charges related to rebuilding our home following a total loss due to fire. We pay the balance due before we receive a statement because the credit limit is small compared to charges incurred during construction. We made a $ XXXX payment on XXXX. Today ( XX/XX/XXXX ) we ordered lumber and the charge was declined. After a call to Wells Fargo, we found out that the {$19000.00}. payment was on hold and would not be posted until XX/XX/XXXX. That's fraud as far as I'm concerned ... .if not theft. Our lumber was not delivered and our workers left the job.I spoke to three different departments at Wells Fargo and none could tell me why the payment was on hold. They have good funds from our bank and will NOT post the payment until XX/XX/XXXX. As I understand, there is a time limit on this anyway.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Name of Contact : XXXX XXXX Description XXXX On XX/XX/XXXX I alerted my sister, XXXX XXXX XXXX that I was sending two checks to her SC residence : A {$500.00} check payable to my mother, XXXX XXXX XXXX and a {$2000.00} check payable to our family church, XXXX XXXX XXXX XXXX XXXX ( My mother lives with my sister. ) My sister was supposed to deposit the {$500.00} check into my mother 's account at Bank of America and give the other ( {$2000.00} ) check to the Church as an offering. Instead, on XX/XX/XXXX, she mistakenly had my mother sign the back of the check made payable to the church, and made a mobile deposit of the {$2000.00} check into my mother 's account. The mobile deposit was labeled as a {$500.00} deposit. The first thing that BOA did was to credit my mother 's account for the full {$2000.00}, apparently before they realized that there was a difference between the name of the payee and the signature on the back of the check. 

My sister recognized her error the next day ( on XX/XX/XXXX ) and telephoned BOA ; she was told that the error would be automatically corrected. She called again on XX/XX/XXXX because the funds were still in my mother 's account, during that call she was told to give the check to the church and that they would be able to negotiate it. I did not learn of tis issue until midXXXX XXXX. 

It was not until XX/XX/XXXX that my sister received two letters from BOA indicating that a total of {$2000.00} had been retrieved from my mother 's account. In the meantime, after the Church deposited the physical check with XXXX XXXX XXXX  in XXXX, SC, they received a notice that the check was rejected due to " duplicate processing. '' To date the money has not been returned to my account. A BOA representative told me that the only way they could return the funds to my account would be for me to open a dispute and then they would debit my mother 's account. Obviously I do not want to move this problem to my elderly mother 's shoulders. 

My sister and I have had two telephone conversations ( jointly ) with BOA representatives, and I have had several additional conversations, receiving varying advice. On my last call a Bank of America representative told me that XXXX XXXXXXXX XXXX  was the last one to touch the check and that the Church should re-deposit the check. 

I am filing a complaint because today I learned that a Church official met with the manager of the XXXX XXXXXXXX XXXX ( at XXXX XXXX XXXX, XXXX, SC XXXX ) and was told that XXXX does not keep checks for more than 30 days and so can not re-deposit it. 

BOA is saying there is nothing they can do and XXXX XXXX is saying that it is a Bank of America problem.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, Account Number 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 2021-03-11
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)

I have previously diputed inaccurate information on Equifax from XXXX XXXX Account Number xxxxxxxxxxxx XXXX ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER This is incorrect. 
The information was not updated. Conflicting data reporting Example : Date of First Delinquency XX/XX/2018 But shows XX/XX/2018 paid as agreed Also no data entered for several months ( XX/XX/2018 etc.. ) I feel they are ignoring my letters. 
Section 611 states that failure to investigate these items within 30 day gives reason to immediately delete inaccurate information.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXXXXXX Has violated my rights XXXX  XXXX XXXX XXXX Has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent
Consumer complaint received 2022-04-18
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. (IL)

Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXXXXXX XXXX XXXXXXXX {$49000.00}
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXX XXXX XXXXXXXX {$49000.00}
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : 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 2022-03-20
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. (MS)

EQUIFAX was sent an affidavit on XX/XX/2022. EQUIFAX was given 5 days to respond and have not responded in a reasonable amount of time. Therefore, according to the law they must comply with all demands made within the affidavit. I have made several attempts to peacefully rectify the issues outlined in the affidavit, but EQUIFAX continues to violate my consumer rights by improperly reporting unlawful information on my consumer report.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : 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 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (VA)

I was late a few months on my business AMEX card. I ultimately paid in full and asked them to close my account. They did not close my account and continued to assign me late fees. They turned my account ( {$170.00}, most of which were monthly late fees after I paid my card in full ) over to a collections agency, but continue to accrue late fees to my account. I attempted to speak with AMEX tonight ( XX/XX/20 ), a person named XXXX, who would not give me her employee ID or last name and would not let me speak with a supervisor to negotiate a mutually agreeable compromise. Also, they told me that they were recording me, but when I told them that I was recording them, she said that I could not do that and she would have to terminate the call.
Consumer complaint received 2022-04-18
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. (FL)

This notice is to inform XXXX and Experian that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.Today my credit score dipped by XXXX points, and the reason for this is because XXXX added a late payment with the XXXX XXXX account which has been disputed several times. Further, XXXX and Experian never put disputed comments on the accounts required by law, violation. I have sent XXXX and Experian countless dispute letters and my FTC fraud report for months now advising them to please investigate several incorrectly reporting accounts on my credit report. They claim XXXX and XXXX XXXX accounts are verified and updated my report with no proof of verification ( Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized these accounts such as signed applications or contracts in wet ink signature. ) but they're still reporting incorrectly. For starters, I have been in contact with XXXX and XXXX XXXX and have pointed out all the wrong information reporting. I have contacted them via CFPB and mail. They state that the information reporting incorrectly is due to the fault of XXXX. 15 USC $ 1681b Permissible purpose of consumer reports. I demand that they are DELETED immediately, no later than 4 business days. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card, FTC identity theft Report
Consumer complaint received 2017-08-29
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 (IL)

I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous XXXX listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX / {$4200.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$4400.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/XXXX
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (VA)

The company that purchased a collection debt from the credit card company mailed a notice to me with a post mark date of XX/XX/2021, giving me 30 days to respond to the notice to discuss my account. Before I had a chance to respond to them, they filed a lawsuit against me. The notice of the lawsuit was postmarked XX/XX/2021, only 15 days from the first notice that they sent to me, which is less than the 30 days given on the notice and I believe required by law. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX  due : {$1300.00}
Consumer complaint received 2022-04-18
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)

my account has been used in a attempt to commit fraud I have no known prior knowledge or debt with this company Are you familiar with something called 15 U.S.C SEC 1681 ( A )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, Could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you have 30 days to complete this investigation. Please Investigate the following accounts and remove them if anything is missing or not correct on them
Consumer complaint received 2022-04-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/2022, I sent letters to the consumer reporting agency to notify them about the inaccurate information on my consumer report. I even attached a copy of my driver 's license. I am in distress and this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-04-18
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Maximus Federal Services, Inc. (GA)

I have an account for student loan o never signed a contract with XXXX and the school I went to was never accredited so it was pointless had to go to another school to get a real license I think once XXXX XXXX was sold the loan isn't my responsibility anymore and again the money I paid while in school where did it go because again I never got a license