davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD IN MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT ARE LISTED.
Consumer complaint received 2024-03-16
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. (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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations.

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian and XXXX is participating in fraud with XXXX XXXXXXXX XXXX  and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.
Consumer complaint received 2022-12-30
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. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-07
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: BARCLAYS BANK DELAWARE (NY)

Received a notification from XXXX XXXX that there was a hard inquiry on my credit report. I later received a notice from Barclays regarding my application to a Visa card that I did not apply for requesting a copy of the front & back of my Drivers license, Social Security card and a current utility bill or bank statement. Obviously I did not send them anything as this appears to be a fraudulent application on my behalf.
Consumer complaint received 2024-03-16
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)

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX has already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Company 's online bill pay did not complete transaction on two occasions leading to unfair late charges. I closed the account for lack of confidence in Bank of America. In closing the account, they apparently charged me more than what I owed, and there is a negative balance ( money owed back to me ) on the account. However, Bank of America has not processed any refund, their website does not offer any means to process the refund, and their phone service has been unhelpful ( can't even talk to someone ). How can Bank of America simply choose to keep my money and not refund it?
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credence Resource Management, LLC (LA)

Company : XXXX XXXX XXXX Amount : XXXX Opened : XX/XX/2023 Company is not a legitimate company. A previous dispute of the same amount was removed and deemed not legitimate. Information from the original company was sold to them. This account was also set up for a TX residence. I have proof of residence in LA. 

All of credit bureau reports have been frozen for over a year. There is no way a new account could have been opened.
Consumer complaint received 2023-02-09
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. (VT)

In accordance with the fair Credit Reporting act, The List of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 conviction of crimes which antidates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

On XX/XX/2019 I called I.Q. Data International in XXXX, Washington to see what kind of payment options I had to pay off a debt. The gentlemen was nice at first told me he had to ask some questions to see what options I had. Not even 10 minutes into the phone call he said to me if you recently got paid how are you already broke, how do I plan on supporting myself for the rest of the month and that I needed to get a payday loan to pay this off. He was rude very unprofessional. I then asked to speak to a manager and he was just as rude. I felt harassed and bullied.  I felt ganged up on. Food for thought to individuals that work with the public. Please don’t assume that you know what’s going on in someone’s life. You do not know there situation and or what they are going through. I told him what I had to work with and all I needed was an answer of yes We can work with you or no we can’t. I didn’t need to be put down. We are only human. I wonder if these boys speak to there own mothers this way? And  I want to know how they would feel if there mother was being harassed like I was.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023, Been scammed on XXXX XXXX place. I have listed an item for sale for {$700.00} and buyer/scammer had offer to purchase and wanted to use XXXX. Buyer had a fake XXXX  email account. Scammer stated overpaid. I have sent a XXXX payment to buyers email address, {$400.00} refund. Scammer had requested a XXXX payment through friend and family has he claimed to have a issue with XXXX. I sent {$400.00} on XXXX on my Credit Card XXXX Bank of America. The payment had posted on my credit card account XX/XX/2023. Had made fraudulent claims with BOA over phone
Consumer complaint received 2023-02-24
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. (OR)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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. (NY)

Clairty services has furnished inquires on my report that I never authorized. Ive never sent written authorization to clarity services to furnish this on my report which is an invasion of my privacy and illegal to do.
Consumer complaint received 2022-04-21
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX for {$140.00} ; # XXXX for {$3200.00} ; # XXXX for {$140.00} ; and # XXXX for {$250.00} XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Systems Account # 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-07
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. (TX)

I am disputing these accounts because it is fraudulent. I have no knowing knowledge of this account. Nor have i received any monetary or goods services associated with this account. 


There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Consumer complaint received 2019-12-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NJ)

Applied for Loan - XX/XX/2019 : Received Credit Reports - XX/XX/XXXX & Letter of Credit Approval - XX/XX/XXXX ; Property Evaluation / Appraisal - XX/XX/XXXX ; Received Notification of Loan Approval - XX/XX/2019 ( via email ; and a copy on XX/XX/XXXX via USPS ). 

Much to my chagrin, as per a telephone conversation with the original loan processor, ( XXXX XXXX ) on XX/XX/XXXX, I was advised even though everything was approved, due to staff at the branch not being available, the loan could not be consummated until XX/XX/XXXX. The loan did consummate on XX/XX/XXXX, with a Disbursement Date listed for XX/XX/XXXX. Due to lender 's error in Notarizing the documents, the disbursement did not take place until the XXXX or XXXX, and it was only because I had called the branch 's manager did I find out of the error ; the Closing Disclosure was never revised or was authorization given for the change. This act of FRAUD, cost me a minimum of {$100.00}, ( {$27.00} per day ), in 4 days of interest charges I had to payXXXX XXXX  on the loan PNC was paying on my behalf .... not to mention the the additional days of interest charges I was required to pay because they did not have staff available between XX/XX/XXXX and XXXX. 

See attached correspondence from PNC in response to my statement.
Consumer complaint received 2019-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

The company continues to Bill me for escrow payments. I followed their requests for written and signed letters requesting them to stop billing me for escrow payments.. the service department has verified that they have received the requested documentation from me but they continue to send me they same form letter. Working to gather the requested information
Consumer complaint received 2023-07-06
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I have Business checking account with Wells Fargo. I have no idea what is direct pay and why I am being charged {$10.00} for this fees every month. 
I got one email ( XX/XX/2019 ) about this charge and i remember long time back i told them not to have it on my account. 
I sent them one email right back that take back that charge from my account and i don't this service and please don't throw your services to me unless i ask for it. 

No response from Wells Fargo Then i called upon on XXXX XX/XX/2019 at around XXXX XXXX  central time. ( XXXX ). 20 minutes of hold time and then a human being. Wells Fargo has put a real buggy and useless auto bot ( IVR which collects all the information and good for nothing-i dont want it at all ). Then talked to a male. That guy was totally clueless and have no idea what he is talking about - simple waste of time ... then making excuses can't understand me when i ask him to do some real job. He has no idea about this and wasted another 10 minutes.

Finally he transferred my call to online banking..which stated another 25 minutes of hold time. 

Wells should hire smart and talented people and should know what they are doing. 
They should not waste customer 's time.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - late/OPEN - XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1600.00} - late/OPEN - XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX late/CLOSED - XXXX
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank On XX/XX/2022, I received a letter from wells fargo, stated that i need to go to a branch to present my ID m, because there were a discrepancy on my identification. 
On XXXX XXXX i went to a Branch. ( XXXX XXXX branch ) with my Florida Drivers license, my debit card. The banker updated the information into my profile, changes were made that day ( letter attached ). 
I received a second letter with the same problem, I called the bank, explained that i went to the branch, and they say, you are right there is a note here that you went and you profile is updated, please disregard 2nd letter. 
On XX/XX/2022 my card was declined when trying to by lunch, then declined from XXXX, I called the bank and i was told that i need to go to a Branch. 
On XXXX XXXX went to a branch ( XXXX XXXX ) explained that my information was updated since XX/XX/XXXX. She was very nice we spend 2 hours talking by phone with many people, no one understand what was going on on my account, at they end they found out that the person that first updated my information on XX/XX/XXXX. Filled out the information on the incorrect fields ( no my problem, I went to the bank and i did what wells fago was asking ). But at this time on XX/XX/XXXX the issues was unable to solve. 
On XX/XX/2022 went to a branch ( XXXX XXXX  ), the banker was also very nice, he was frustrated and about to cry with me, because the same issue, he called maybe 5 different people, explained the same situation, with all my documents ok, and they are about to closed my account because my profile was never updated. 
We are on XXXX and Wells Fargo bank is holding my found because on of their employees made a mistake. 
I have payment going on, who will be responsable if the payment is made late??? 
Im frustrated, and really to take this into a legal action. 
I appreciate you help
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

When purchase of services with XXXX with my credit card it is considered a " cash transfer '' by XXXX and they do not disclose that is the case. My credit card company charges a fee for " cash transfer '' and refuses to eliminate the option of " cash transfer '' for my account and states that the vendor is the one that determines whether it is a " cash transfer '' or " credit card purchase '' ......
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

It has been more than 40 days and i havnt receieved any respond from Equifax and XXXX. I dont think they did any kind of investigation to my complain