davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eastern Account Systems of Connecticut, Inc. (WY)

HELP PLEASE!!!! 
I was applying for a hybrid home equity loan. There is an old PAID delinquent MEDICAL account which the reporting company refuses to remove from my credit report. This one MEDICAL item has turned my credit score from XXXX to XXXX. It resulted in my not being able to get that particular loan and will result in higher interest rates for the next loan I am trying to secure. This one {$200.00} PAID item is going to cost me thousands of dollars over the length of the next loan.

I contacted the credit reporting company and they refuse to remove it from my record even though it is paid. It is criminal that this one very small {$200.00} collection has negatively affected my credit score to such an extent. 

The item in question was a very old medical collection I wasn't even aware of. I had moved from XXXX  to XXXX and was never made aware it even existed. I paid it several months ago when this debacle began yet they refuse to remove it from my record. 

HELP!!!!!
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXXXXXX XXXX account number XXXX 15u.s.c 1681 section 602 a state I have right to privacy 15 u.s.c 1681 section 604 a section 2 it also stated a consumer report agency can not finished account with out my written instructions
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

This is the second time in the last two years where Chase actually offered me to open a checking account. I accepted their offer, after setting up my paycheck to go into this account etc. I get a letter without any explanation, that Chase decided to end their relationship with me. Chase decided to close my account. 
If there is any reason that makes sense for an account closure I am more than willing to accept that. However for Chase to arbitrarily and discriminately close accounts of any legal US citizen that has a clean record and a XXXX  credit score of 825+ does not sit well with me. It should not be acceptable to the US government either.
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had massive identity fraud happen to our bank accounts. Someone got a hold of personal information and were able to use our debit card with XXXX ( it was the last XXXX of my SS # ). They had all enough personal info to answer questions on Bank of America XXXX so they could transfer thousands of dollars to be used. We were first alerted of suspicious activity on XX/XX/XXXX when they used a mobile XXXX XXXX in a California XXXX XXXX for the amount of {$970.00}. Soon after that, they telephoned transferred {$10000.00} from my savings to checking to use the XXXX XXXX for more fraudulent activity. We were able to quickly stop this and Bank of America closed the account. They credited the account the {$970.00}. On XX/XX/XXXX, I was shocked to find out the funds were taken out of my account and the claim was denied. I reopened it after more explanation and again on XX/XX/XXXX it was denied. Bank of America has been disorganized, dysfunctional, and every single person from my local bank agent to the original person in the fraud department has quit. In the meantime, more money has been deposited into the closed bank account and it is frozen and they refuse to give me my hard earned money. They owe me {$1500.00} and I will NOT allow this bank to take it. We had to start completely over with EVERYTHING. It has taken months to fix and the fact the bank is trying to tell me it didn't look like fraud is disgusting.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-02-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION (LA)

I applied for SCRA protection which would cap my interest rate at 6 %. My HELOC is currently at 10 % and I've made multiple payments at a higher rate then 6 %. I've been on XXXX XXXX orders in the state of Louisiana since 2015. The State of Louisiana extends the SCRA protections to all members. I have yet to hear a response from Navy Federal or have my rate adjusted.
Consumer complaint received 2022-05-27
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account ( XXXX XXXX ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : States that a consumer report agency can not furnish an account without my written instructions.
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-08-03
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: Resurgent Capital Services L.P. (TX)

I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX. Account # XXXX XXXX XXXX  XXXX Account # XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with XXXX  and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 this account ( A ). It is not permissible to fail to validate this reporting account 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 corrected : XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (TX)

I sent a dispute letter XXXX/2024 due to inaccurate information on my consumer credit report. The letter will be attached which is dated and time stamped. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Consumer complaint received 2019-09-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I filed a dispute regarding a collection account for {$17.00} with XXXX and XXXX a few months ago. Theres been no follow up.
Consumer complaint received 2022-05-27
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. (AZ)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-05-27
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)

In Accordance with the Fair Credit Reporting Act XXXX  XXXX/XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions.

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this account.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (VA)

Initial error is mine. Neighbor A asked me to pass money to Neighbor B using XXXX service. The effort failed. Neighboe A asks to XXXX me {$1500.00}. XXXX XXXX  publishes that they accept XXXX ( but that is not true ). I appove and recv {$1500.00} on XXXX and can not access it. I have a dormant Ally Bank account and send the money there. Problem is- we actually have two Ally accounts but one is forgotten entirely. 

I am now in control of the {$1500.00}. I go to XXXX and send the money to Neighbor B, funded by the forgotten Ally account. The available balance is XXXX, but Neighbor B recvs the {$1500.00}. It looks like this task is behind me. It is not. 

XXXX sent the {$1500.00} in violation the agreement between XXXX and me. Their incompetence and/or criminal negligence has no direct bearing here other than the fact that I now owe XXXX {$1500.00}. 

At this exact moment, I do not recall how the {$1500.00} debit in my wife 's account was created. It is part of this. The situation is- we also have a {$1500.00} debit to Ally. 

Somehow, the act of passing {$1500.00} from my right hand to my left hand cost me {$1500.00}. 

Ally Bank refuses to look at two accounts concurrently. Ally Bank does not provide a mechanism to help resolve this matter. Instead, Ally Bank is sending threatening letters to my wife. Ally Bank treats us like criminals on the phone. 

I know the whole " this call is recorded '' routine is just so much XXXX, but listen to the calls I made. I am begging Ally to assist and there is nothing in the cashier 's script that results in an actual thought process.
Consumer complaint received 2022-05-27
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX account number XXXX has violated my rights. 

15 U. S. C. 1681 section 602 A States I have the rights to privacy.

15 U. S. C. 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give them written Instruction.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1700.00} ; XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : - Balance : {$34000.00} ; XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I am writing to inquire about the lawsuit settlement that Wells Fargo agreed, I had a home mortgage with them starting in XXXX and due to financial difficulties, we had trouble paying our mortgage. Wells Fargo never offered a home modification loan and I only learned of a process or what a home modification loan was from another case that was in the newspaper. I then went to Wells Fargo to request the ability to complete a home modification. We did all the paperwork, sent it in only for Wells Fargo to have " lost '' it. We did it three times- with the third paperwork reaching them successfully only for them to deny us immediately after receiving our paperwork and offering no other options.

Prior to this I attempted to set up payments to be made to catch up the mortgage. They stated accepted the payment arrangements and when I asked if we were in danger of foreclosure, we were told no. Three days later someone came to our door and served us with foreclosure paperwork. 
My Spouse filed XXXX  XXXX to stop the foreclosure and allow us to attempt to rectify the situation and we started paying the mortgage again ; however, the large amount we had to pay out his check for the XXXX  XXXX was difficult to manage and he had to convert to XXXX  XXXX, so we could keep our house and other debt was taken care of in order to do so. But Wells Fargo started the foreclosure process again and we requested another home modification. Again denied. They had also told us that any day they would take possession of the home and everything in it as well and we would not be able to get in the home to get our items at that point. This was XXXX and we secured other residence just in case that happened as we had XXXX small children then. we went daily to the house, kept up the yard and paid the utilities. My spouse stayed there overnight. we went overnight somewhere and when we returned our home had been broken into and all the copper piping was stolen. I filed a claim to make the repairs however the check went to Wells Fargo and I had to fight them to get the repairs done. They eventually released the check, and the repairs were completed. I did seek out a lawyer, but Wells Fargo had gone way ahead on the foreclosure process. In the end they sold our house to auction, and the house was sold. To this day Wells Fargo never notified us of the sale of the house, or how much it sold for, I had learned about our house being sold on social media, because I knew the person who bought it. 
we have moved and if anything was mailed to us we would not receive it as they do not have our new address. It is way past the time frame for having mail forward. Could someone please verify if we would be a claimant on the lawsuit. I called Wells Fargo and the representative stated she knew nothing about the suit. 

Thank You
Consumer complaint received 2022-05-27
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account/Reference # XXXXXXXX XXXX XXXX  Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX 's XXXX  Account/Reference # XXXX XXXX XXXXXXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXXXXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX Account/Reference # 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 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX 's XXXX  Account/Reference # XXXX XXXX XXXXXXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX Account/Reference # XXXX, XXXX  XXXX XXXX Account/Reference # 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 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify 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 removed from erroneous reporting in my file. 

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 XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

XXXXXXXX XXXX XXXXXXXX have reported false fraudulent information to the 2 credit agencies XXXX and XXXX. 

I have written to the company XXXX XXXX  XXXX letting them know the account is not mine. I never signed any contract with anyone at XXXXXXXX XXXX XXXXXXXX or had ever dealt with them. I have written a letter to them and all 2 credit agencies to immediately remove this fraudulent information. The amount which XXXX XXXX 's current claim is due is {$2100.00}. The amount has increased since XX/XX/2022. Whys is this Happening? This appears to be an identity thief. Please help to remove this item from my credit reports.