davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (KS)

Complaint is on Experian Trying to set up free account so I may freeze my credit to prevent fraud. I did this simply process with XXXX and XXXX very easily. I can not get this set up on Experian. I set up account and could sign in but only page that appeared is for me to run a credit report. I don't need that I just need tab to freeze the account. Tried calling Experian but the number they provide you can not speak to a person to get assistance. They are not available to help on the weekends so had to call during my work. Finally got to a person. Bounced to 5 different departments and no one can fix my problem signing in. My husband is having the same issues so it is definitely something wrong with their system. Lets you change password but when you sign in and immediately says error. I was on the phone for over an hour with no resolution. Was told I needed to wait 7-10 days and try again. This does not seem right. Consumer should have to the right to freeze account. Website should be very user friendly. 

Someone needs to take a look at the procedures. Something is not right here. consumers are going to be hurt.
Consumer complaint received 2020-03-04
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. (NV)

I have repeatly disputed the validity of a bankruptcy that is showing on my credit file. I have made several attempts to work this issue out with the credit bureaus and each time they are telling me that this bankruptcy belongs to me. I have been a victim of id theft my information is showing on the dark web. I have been working so hard to have inaccurate information removed and the credit bureaus are giving me a hard time. I have not filled bankruptcy and this should not be reported on my credit profile. I would like this removed STAT so I can move on with my life. Secondly if this bankruptcy belongs to me per cdia a minimum of consumer personal identifiying information such as ( name address ss ) has to show on the document and it does not so I am asking again that this item be removed from my profile. I have attached a copy of my ftc report the company requested my id so I have it attached
Consumer complaint received 2023-05-05
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. (NC)

15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I " had '' excellent credit of 840+ up until a few days ago. Bank of America sent a 30 day late payment to XXXX  and my credit score dropped 90 points. My wife and I have two vehicles, both financed through BoA. Evidently there was a {$470.00} amount that had not been paid that we had no awareness about. There were no alerts or notifications to this point. Our payment every month is {$640.00}. So this doesn't make much sense. I take my credit history and score very seriously - I'm a XXXX XXXX Veteran and I take care of my business and belongings. In addition, I already paid this {$470.00} with another {$500.00} payment just to clear the air when we found out about it on XX/XX/XXXX. I completed a dispute with XXXX and they said nothing can be done, contact the business to resolve ( Bank of America ). They did nothing for me and said I must contact the credit bureau. We do not feel we were given ample time to investigate this matter and resolve properly before BoA reported it to XXXX. Now I have a significant hit on my report which I do not appreciate. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CLGF Holdco 1, LLC (AZ)

XXXX XXXX XXXX has been contacting my parents with text messages that include information about the amount of my debt owed. Repeatedly. Nearly every day. I did not give them permission to contact my parents about my credit card account and never gave them their contact information. The texts being sent are as follows : They keep coming down in what it will take to resolve this. 
This message is from XXXX XXXX XXXX XXXX XXXX. 

We are willing to accept {$330.00} to resolve your Destiny MasterCard account originated by XXXX XXXXXXXX XXXX, which is now owned by XXXX XXXX XXXX XXXX, XXXX, for less than the full balance. 

We want to see you succeed, so we request that you review and take advantage of this offer by XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

To view this offer, go to XXXX. If you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures XXXX XXXX XXXX. Reply STOP to opt out.
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (MA)

I use XXXX XXXX XXXX  located in XXXX MA XXXX. I was to receive {$6400.00} XXXX  transferred to me from XXXX. My bank uses PNC for international transfers. On XX/XX/XXXX  a transfer was made to PNC bank, however, I was not aware that the account information provided was incorrect, nd funds were never returned to sender. The transfer route was XXXX XXXX in XXXX, to XXXX XXXX  in XXXX, to PNC Bank. Due to the account error information, the funds never reached XXXX XXXX XXXX  and therefore myself. PNC never returned the funds. XXXX XXXX and XXXX XXXX  placed an inquiry and trace indicated funds successfully transferred to PNC. PNC has not responded to any XXXX XXXX  that was sent providing the correct information nor a request to pull funds back. I have caled my bank numerous times as well as PNC neither have been helpful. PNC will not look into it because I am not a customer and XXXX XXXX XXXX  states PNC will not communicate with them since their information was not provided in the transaction. The XXXX bank and XXXX bank are not able to do anything more than request funds returned, and they have stated they have not received any communication from PNC at all. XXXX  stated PNC received {$6400.00} XXXX  on XX/XX/2021 at XXXX. I did have some communication with PNC escalation group, who were also struggling to receive return communication from their wire department, but they stated they could not locate and there was nothing else they could do. The XXXX code was correct, however, I provided my own bank account number in the transfer, I did not include XXXX XXXX XXXX  information. Essentially, the transfer should have been made to PNC with XXXX XXXX XXXX  account ( since XXXXXXXX XXXX XXXX is PNC customer ), then my information as the final beneficiary. The funds should have been returned but were not. 

Return my funds so that it can be sent with the correct information to complete the transaction successfully. I have spent a lot of time and energy to get this resolved and I am not sure what else to do in this case. The money can't just disappear and it belongs to me not PNC. Awful business practice that they are not able to help me because I am not a customer. I also feel as though my personal bank, XXXX XXXX XXXX, was lacking to support me or assist me with this matter, especially since they are PNC 's customer.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (MS)

On today i have tried to talk to this lady with this company she was the rudest person that i have every talked to in my life. I have repeated to her several times that I have made contact with the insurance company and they have stated that they have deleted the claims off of my records but when i try to run my home insurance records they are still showing up. She insists on being rude to me saying that i don't know what i'm talking about and continues to place me on hold for 5 to ten mins just to for the sake of it. Her name is Mrs. XXXX and she works with XXXX and she is the rudest person ever.
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 information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX You are in Direct Violation of The Fair Credit Reporting Act, ( XXXX XXXX XXXX XXXX XXXX XXXX, acct number XXXX, dates XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602.A. Clearly states that 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.

15 U.S.C 16668 : A creditor may not treat a payment on an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2020-03-04
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 a collection in the amount of {$10000.00} on XXXX XXXX XXXX original creditor XXXX XXXX WA account number XXXX. ( Please see page attached from my credit report. ) When I initially moved into the apartment I discovered there with two bulging holes in the roof ; along with numerous other defects in the apartment. I immediately contacted the management office and requested they send the maintenance supervisor and a crew member, along with the apartment complex manager, to investigate the roofing issues, as well as the other defects in the unit. I was assured by the apartment complex manager that these issues would be immediately resolved. The numerous repairs to the unit were never completed. Consequently, I had no choice but to vacate the premises. Due to the numerous repairs that were needed to the unit I was assured by the complex manager that I could vacate the property and that I would be released from the lease and that no collection action would be taken. The apartment complex did not honor their word. The supervising manager fired not only the apartment complex maintenance manager, but the crew member who initially investigated the material defects in the unit. I do not owe any outstanding balance and this false reporting of a collection is seriously harming my credit score. I have tried to contact the management company, as well as the bureaus to remove this collection however, I have not been successful. This line item needs to be removed from my credit report.
Consumer complaint received 2022-12-25
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. (NJ)

In accordance with the 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
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

DURING THE COVID PERIOD I FELL BEHIND ON MY MORTGAGE AND THE LENDER FILED FORECLOSURE. I REQUESTED AND RECEIVED A REINSTATEMENT LETTER DATEDXXXX XXXX XXXX XXXX XXXX XXXX  WHICH I DID.INCLUDED WAS AN AMOUNT OF {$8700.00} WHICH PRESUMABLY WAS FOR LEGAL. THE FLAT FEE CHARGED FOR THE ATTY. LENDERS LEGAL WAS {$5900.00}. XXXX XXXX XXXX XXXX XXXX THE ATTY. ADDED PARALEGAL FEES THAT WERE NOT TO BILLED AND SHOULD HAVE BEEN COVERED BY FLAT FEE CHARGED. NOT WITHSTANDING THIS EXCESSIVE BILLING CARRINGTON IS STILL STICKING ME WITH ADDITIONAL AMOUNTS OF {$4300.00} ( EX " A ) AND REPORTING IT AS DELINQUENT. ALL I OWE IS MY REGULAR MONTHLY PAYMENT. I AM NOT SUPPOSED TO OWE NOT XXXX  XXXX XXXX 
FURTHEMORE MY PAYMENTS ARE CURRENT
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (TN)

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the cfbp, federal trade commission, and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.
Consumer complaint received 2022-12-25
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. (IN)

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. Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX. Account : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604. 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 in accurate.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX was the star of fraud claims against my Paypal account. i opened disputes telling Paypal that i am not a seller, do not have an internet store and to not accept these claims.The claims were for exact amounts $ XXXX, contained no description of item and often notices came in French language. 

I called the Paypal phone line in California, went through the auto-menu process, they do not have live persons handling the phones due to Covid and still charges/refunds were being made. 

after a week of not shutting down the account to stop the crime i sent a certified letter to the company which was recieved but i havent had a reply from them in over 3 weeks.

i am reaching out to the CFPB for help. there is an internet criminal that is taking advantage of PAYPAL, some innocent buyer and myself. Currently the loss of monies is over {$1000.00}. that is just my loss i imagine that the criminal is doing the same to others making millions of dollars off of cyber crime.
Consumer complaint received 2022-03-14
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. (LA)

On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX aka XXXX XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX my wife and I went to XXXX to see XXXX. While there I used my Wells Fargo Visa card ending in XXXX. A few days after this trip I received an email from Wells Fargo stating that I was over limit. I pulled the account up on the web and notice many charges that I didn't authorize. I called Wells Fargo 's Fraud department and the rep and I went over the fraudulent charges. The rep said they would file a case and create a new account. A few days later all this happened. However, two new charges appeared on my account ( XXXX - " XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$1500.00} XXXX XXXXXXXX - " XXXX XXXX XXXX XXXX XXXX XXXX - {$1000.00} ). I called Wells Fargo 's fraud department again that these charges where not made by me and they proceeded to create another case. I waited several weeks and after hearing nothing I called that department again asking what was happening. To my surprise the rep said the rep I spoke to previously had mis understood my request and put in a claim that my card application was fraudulent and they determined the application was correct. I was completely shocked and restated my previous claim that the two charges were fraudulent. During the call, as the rep was creating a new claim to replace the incorrect one, I asked why they had credited my account for charges from the same, " XXXX XXXX XXXX vendor made on XXXX and XXXX yet had not credit the charges on XXXX and XXXX? The rep said because they appeared on the account after the original case and 'came in ' later. I became fustrated and said I had no control of when fraudulent charges hit my account. The rep assured me the new claim/case would fix the situation. A few weeks after filing the last case I received a letter stating, " We have completed our research and found the disputed charges on your credit card account are valid and appear to be authorized by you ''. I am completely shocked! I never made these charges.
Consumer complaint received 2023-01-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I have submitted several disputes online and over the phone with Equifax regarding a hard inquiry on my credit report. All cases have been closed advising it is correct and will remain on my report for 2 years. This hard inquiry was applied by XXXX XXXX XXXX XXXX XX/XX/XXXX. I have not applied for a credit card for XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX, first spoke to XXXX and was advised he could not locate an application to match my personal information including my SSN. I was then transferred to XXXX and was again advised there was no application or credit card opened under XXXX XXXX XXXX. I have asked XXXX XXXX XXXX  to provide me something in writing to confirm I did not apply for this card since Equifax keeps confirming I am responsible for this inquiry. I would like this removed from my credit as it dropped my score significantly after this inquiry was reported.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo auto and XXXX XXXX XXXX violated me consumer rights according to 15 U.S Code 1605, 15 U.S Code 1662, and 15 U.S Code 1635.
Consumer complaint received 2022-12-25
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. (AR)

I have a XXXX XXXX bill on my consumer report. I sent a-lot of letters to creditors and the bureaus about this matter Also they have been reporting late payments to closed accounts thats been charged off which is illegal by consumer law. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  By provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX XXXX, I have the right to a Fair and accurate credit report and are required to remove any information that is not true or accurate.I demand these Accounts mentioned to be removed immediately permanently.