davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I, XXXX XXXX I request for this to be removed from my credit history due to fraudulent charges and incorrect dates listed. 

1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
( Pub. XXXX XXXX, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) account number : unknown WELLS FARGO CARD SERVICES | XX/XX/XXXX Summary Report Date : XX/XX/XXXX Review this summary for a quick view of key information contained in your XXXX Credit Report. 

Report Date XX/XX/XXXX Credit File Status No indicator on file Average Account Age 6 Years, 6 Months Length of Credit History 11 Years, 4 Months
Consumer complaint received 2023-01-21
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 (GA)

I already submitted but it has been 2 months and bank of America has not replied. 
COMPLAINT ID XXXX Dear US Bureau protection agency , I would deeply appreciate your help to bring this unfair transaction to light and help me and my family receive our refund from our credit card company. This is an appeal for my dispute transaction with Bank of America. I accidentally booked a ticket on XX/XX/ via merchant, XXXX, a third-party unreputable seller with XXXX rating swamped with negative reviews .The cost was {$770.00} We have additionally update : the airline admitted fault, they will REFUND, they kept on sending the same emails for the past XXXX months but most recently, they refused to cooperate. We want this charge to be REVOKED.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

I received an email that Chase was closing my business checking and XXXX  account ( these are my business accounts for law firm ). I called and was informed that the person on the phone could provide no information as to the reason and that a check would be mailed to me overnight for the total amounts. I then applied to open a business bank account with the XXXX  XXXX XXXX. I immediately received an email stating my application has been declined because of information received from XXXX XXXX XXXX , XXXX. It's clearly related. I am not sure what to do from here. At a minimum, Chase should provide a basis for this extreme measure, and an opportunity for me to appeal, provide explanation, or more information.
Consumer complaint received 2022-09-30
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. (VA)

Experian is continuing to report fraudulent information on my credit report. I spoke with an agent today by the name of XXXX and he informed me that Experian will continue to report the same information. This information is reported inaccurately its against the law to report information that is not true. 

This is in violation of 18 U.S. Code 1028A-Aggravated identity theft This is an offense : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

This company is using my information without my consistent and publicly displaying this fraudulent information. 

This account is said to be over XXXX XXXX XXXX and Experian continues to report it, and it is negatively impacting my life. 

They are not completing an investigation only continuing to report fraudulent information and if this continues I will file a suit.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : SOUTHWEST CREDIT SYSTEMS Account Number : UNKNOWN THIS 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 2023-01-21
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: BARCLAYS BANK DELAWARE (FL)

Back on XX/XX/2021, I paid a company called XXXX XXXX XXXX, a total of {$5000.00} and another {$800.00} to their associated firmed called, XXXX XXXX XXXX, and I was mislead to belief that they would release me from my Time Share. I made several complaints to both companies by phone and in writing complaining of their failure to deliver on their service. I requested reimbursement from XXXX XXXX XXXX. My complaints went unanswered and I filed a complaint with Attorney General 's office of Texas and Missouri on both companies. I called XXXX and made a claim. I received {$800.00} reimbursement but not the {$5000.00}. XXXX denied my {$5000.00} claim by explaining that it was past the timeframe, yet I received the {$800.00}, both were submitted at the same time. 

I don't know how a well known company such as XXXX is doing business with a fraudulent company scamming seniors and yet, I have a long history ( over XXXX XXXX XXXX paying XXXX for services. 

Any help to recover {$5000.00} from XXXX will be greatly appreciated.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-09-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I am a 100 % XXXX veteran and I have received a tax exemption notice from my county tax department and have submitted that document along with the XX/XX/2022 tax bill to have my escrow amount reduced due to my {$0.00} tax burden decision, however the mortgage company just keeps giving me excuses that its being reanalyzed every time I've called since XX/XX/2022 with no resolve.
Consumer complaint received 2024-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

They are charging me for my XXXX XXXX  direct loans while I still have 1 semester left before I graduate. They did not even give me a grace period of 6 months on them which was also agreed upon in the contract with financial aid. I should not be getting charged on my graduate loans at all at this time. They took money to pay my graduate loans through direct deposit of my bank account which I did not authorize. They illegally took a total of XXXX in 2 payments under the alias of Dept of Education on XX/XX/XXXX and XX/XX/XXXX to pay the graduate loans without my consent as I didn't even have autopay setup with them. The woman I talked to told me they won't refund me the money. I am now in a bad financial situation and still have 1 semester of XXXX  left to graduate. They have another payment of XXXX scheduled on XX/XX/XXXX which I will not be able to afford. They never even contacted me with any correspondence regarding the status of the loans or payments. How can I finish my degree and graduate if they are fraudulently collecting money from my bank account against my consent and charging me for graduate loans I shouldn't be getting charged on at this time. 
I am concerned regarding them handling my loans with their fraudulent practices and poor communication.
Consumer complaint received 2022-09-05
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: LEXISNEXIS (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

THIS IS NOT A DUPLICATE REPORT AND CONTAINS ANOTHER LETTER FROM EQUIFAX DEMONSTRATING THE CONTIUNUED NEGLIGENCE AND ISSUES. 

Equifax once again sent the enclosed letter, twice in fact, stating that they need the information that has been supplied to them DOZENS of times. This includes the information I provided the CFPB that should have been forwarded at the same time in my last complaint. 

The letter - attached - clearly stated that they would block the information that is fraudulent should I provide the information that was provided to them ALREADY that generated the complaint. 

It is CLEAR that this is a CANNED letter and no agent is actually reading the information that is sent to them, as it contained every specific item that the letter asked for - often multiple times- in XXXX plus attachments sent to them. 

The agency continues to " kick '' the issue down the road to vendors who care little about the issue of fraus and simply want to force someone, including the victim, to send them monies. 

As a victim of fraud, clearly shown in law enforcement, FTC complaints, CFPB complaints, and multiple letters from other vendors showing how widespread the fraud was, the agencies are legally obligated to block these items should the vendors refuse to do so. 

The vendors simply return the account information and the agency then says the information has been " updated '' and is " accurate. '' This DOES NOT mean it is legitimate and is owed by me, or demonstrate it was not fraud. 

EQUIFAX NEEDS TO BLOCK THESE ITEMS IMMEDIATELY. 

I was denied housing due to this lack of action. 

I am XXXX and the father of an XXXX XXXX and both of us ( as the law enforcement report shows ) ar eth XXXX XXXX XXXX XXXX XXXX XXXX. We are fleeing the situation and this is now placing us on the street.
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-24
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

Paypal Closed my account on XX/XX/2022 and will not help me in getting it back open. I'm not sure if this is some kind of mistake as it has to be. I am verified with paypal and have used it for over 5 years with no problems. I called and spoke to customer service to see what the issue is but they say they cant tell me the reason and cant help me but i remembered i can make a report here as i feel they are not doing their job properly and it has affected me a great deal since i cant access my funds. my details linked to my paypal account are : XXXX XXXX
Consumer complaint received 2023-08-14
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. (NC)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Siggi LLC (AL)

I took a loan of XXXX in XXXX. Allotments were taken out from my military direct deposit for XXXX $ a month until XXXX, totaling XXXX . I stoped the allotment in XXXX, they claimed that I renewed the loan. I fear they are scamming military families in need. They have no email or phone number, they have hit my credit every month. I am trying to rebuild my credit, and they are ruining my life over a scam.
Consumer complaint received 2019-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (GA)

I have mortgage with Suntrust. 
I bank with XXXX XXXX XXXX for my business. 
I deposited a insurance check in XXXX for business. XXXX put a 13 day hold on my funds. 
I make arrangements with Suntrust for my XXXX payment. Arrangements for XX/XX/XXXX. 
XXXX held funds from XX/XX/XXXX till XX/XX/XXXX. 
I went in to XXXX on the XXXX th and told them insurance company said check had cleared why is it a hold. XXXX released funds and I paid Suntrust on the XXXX of XXXX. For my XXXX payment. Suntrust contacted me on the XXXX of XXXX. Saying they needed payment for XXXX again and XXXX. I stated I paid already. Suntrust stated they held payment till XXXX of XXXX. Mailed it back and wouldn't acept my payment. I just recieved it in mail on the XXXX. XXXX cant pay it again now they say they want XXXX also. This is second time they have messed up my credit by prolonging my payments trying to force foreclosure. I wasn't late for a year so I can refinance. But they do this to keep me at high interest rate. 
Suntrust did this to me in 2016 also and XXXX XXXX  resolved for me without legal action. 
I been in my house 13 years and value is up. They trying to force a foreclosure. I have deposit slip and payment info and copy of the check they sent back after holding for almost a month. Im disable and cant play these games with Suntrust. The have not let me refinance or access equity in 13 year. Wouldn't let me fill out application or even try.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-05-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK (GA)

Hello, I am contacting you about an issues I am having with bank. I applied for a CD account with Discover bank. I was not allowed to complete the application on line the system closed me out and stated I needed to contact the bank. I did so several days later and when I did I was asked a few questions, the amount, the date I think I applied, the term, and rate. One associate stated she found the application and stated she needed to transfer me to someone else to finalize the application. She transferred me to another associate. When that person came on line she asked for my name and another verification information and then started that she found the application and she submitted it without verifying the information was correct. I asked why it didnt allow me to finish the application myself she said it was for security reasons. She told me I could go online to view the information. I did and saw that the rate was lower than what I selected online when I was trying to submit the application. I called the bank back and spoke to two people on associate and a supervisor who told me that I couldnt close the account until seven days later and that I would lose any interest that was accrued. That I told them was unacceptable since I did not make that error.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information because items are unknown to me. 
XXXX XXXX XXXX, XXXX, OHXXXX XXXXXXXX, XXXX, OHXXXX-XXXXXX/XX/XXXXXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX-XXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX , XXXX, OH XXXX , XXXX, Oh XXXX , XXXX, Oh XXXX , XXXX, OH XXXX , XXXX, OHXXXX XXXX , XXXX, OH XXXX , XXXX, XXXXXX/XX/XXXXXXXX, XXXX, OH Unknown TelephoneNumbersReported : ( 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 XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX/XXXX # XXXX XXXX & XXXX # XXXX XXXX # XXXX XXXX XXXXviaXXXX
Consumer complaint received 2022-09-30
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 convinctions 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 2024-04-12
Product: Credit reporting 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. (MO)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.