davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I was paying XXXX XXXX XXXX to correct my credit. they did remove one creditor. I asked them to remove a company I knew nothing about, and they said they could not remove that company. The name of the company is called XXXX. I never asked this company to do anything for me..they claim, they are helping me to raise my score. I never asked this company XXXX to raise my score or put anything on my credit period. I don not know these peopel. I sent them an email and asked them to remove whatever they have on my credit report. EXPERIAN keeps raising my score up and down every month as poor, one month they bragging I am doing good, and the next month my scores are keep going up and down. I have only one bill I am paying at this moment and that is " XXXX '' and i am never late late on that. I have had issues in the past, but one I made an agreement with to pay them off at {$350.00} and that was XXXX. I gave XXXX XXXX  {$300.00} and I only owed them {$50.00}. ) ) more dollars for tha greement to pay them off. I go back online and they are saying I owe them almost XXXX XXXX dollars, and we agreed to close the account for XXXX. These credit comapnies are not reporting my credit profile as they should. I believe, they are trying to make me pay people to get me to have a good credit score.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (DE)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

My current correct Address Street Number , Street Name, City, State is XXXX XXXX XXXX XXXX, Delaware XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX Bank of America exercised its right per the deposit account agreement to terminate my checking account. At the time of their decision there were pending claims on my account. On XX/XX/XXXX I was awarded those claims and was told to expect a check in the mail. In XX/XX/XXXX I contacted Bank of America and was told to wait for my funds with no timeframe. The same happened in XXXX of XXXX, XX/XX/XXXX I visited a Branch to resolve this matter and a helpful Branch Manager attempted to resolve it but he was given the same information with no date as to when I would receive my funds. I am under the impression that Bank of America intends to keep my money because they continue charging a XXXX XXXX monthly service fee and have virtually given me no option to recover my funds. I have exhausted all my options in resolving this matter directly with Bank of America.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

THIS IS NEW INFORMATION FOR COMPLAINT NUMBER XXXX XX/XX/2023 I filed a complaint to the CFPB against Wells Fargo bank for the ongoing billing errors being mailed to me that are false and misleading. I recently received a letter by mail from Wells Fargo Mediation Program Administrator, Tracking number : XXXX. Wells Fargo Case Number XXXX. I have been offered the opportunity to come to a mutual understanding and Wells Fargo will attempt to resolve my claim to my satisfaction. The Mediation Request Form, also Wells Fargo assured me that no cost will come to me for this service. I filled out the form and mailed it to the return address. I attached the documents of the form into this CFPB complaint.
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (TX)

These hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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. (FL)

I would like to bring to your attention my continued concern regarding inaccuracies and mistakes on my credit report. It has been months since I initially brought these issues to your attention, and regrettably, the same inaccuracies persist in my recent credit report until now.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2020-06-05
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX {$1000.00}
Consumer complaint received 2018-12-14
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: Experian Information Solutions Inc. (OH)

With XXXX, I have submitted the court documents of the identity theft I have been dealing with regarding a XXXX Credit Card, XXXX XXXX, XXXX XXXX and a debt collector account. After the documents were submitted they stated that the debt is mine and refuse to remove it from my credit report. XXXX  has removed the accounts, and it has now gotten to the point where I can not get student aid due to the credit reports. I 'have called XXXX  multiple times with no avail and filed multiple reports with the same answer over and over. I am just hoping someone can help because I have gone through the police and the courts, but what will satisfy this company to fix my report?
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

During Covid 19, Wells Fargo offered a program to defer payments. We took advantage of the deferral with the agreement that all missed payments would be added as additional months on the end of the contract. Mortgage maturity was XX/XX/XXXX. Numerous conversations verified this arrangement. As we approached the end of XXXX, Wells Fargo demanded a balloon payment of ~ {$13000.00} to satisfy the deferred payments. This resulted in a major financial hardship as it was not in the form of monthly payments ( 5 deferred payments of {$2700.00} ) as described. Numerous phone calls and escalations ensued with no resolution. We were told we would go into default and potential foreclosure. Mortgage has since been paid in full using our savings and XXXX XXXX card. Mortgage was always current and never in arrears. In the end, a certified letter was sent to us expressing the details of payment due and to make the impression of what was Wells Fargo 's position. We did demand record of all communications both written and recorded, but Wells Fargo refused. Recorded phone conversations from Covid to present will verify/substantiate our complaint.
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

I have gone back and forth with Navy Federal Credit Union regarding fraud from a XXXX XXXX XXXX ATM in XX/XX/2022. On XX/XX/XXXX, a XXXX XXXX ATM fraudulently withdrew {$240.00} from my account without giving me any of the cash. Their were people inside the bank pointing/laughing and refusing to assist me when I knocked on the door. I immediately notified Navy Federal Credit Union about this and they said they would investigate it. Despite advertising XXXX fraud liability on their checking account, 6 months later this has not been resolved.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-26
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. (KY)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX   partial account numbers : XXXX and XXXX ( page 29 of the attached credit report ). These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to past due on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this coding error.
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I paid off my credit card with Capital One online, an amount of roughly {$10000.00}. I was told that I had a pending charge of {$23.00} on XX/XX/XXXX, so I spoke with a representative to pay the balance off, and I was told that my account was paid-in-full and there were no additional charges/fees.

On XX/XX/XXXX, I received a notification from Capital One stating that I have an interest charge of {$41.00}, even though I was told there were no additional charges/fees on my account. I spoke with a manager, and I was told the charges were applied because of residual interest charges, and the charge would not be waived. I explained that telling customers their accounts are paid-in-full and then applying an interest charge after the fact is misleading and not a good business practice. Supervisor responded by saying the charges will stand. 

I was a customer of Capital One for well over a decade, and this is how I was treated. I was given misinformation, and the company couldn't understand their wrongdoing.
Consumer complaint received 2018-06-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Ameritech Financial (FL)

I received a phone call from a telemarketer stating that they were able to help me with my student loans. Because I have been trying to get rid of them I willingly listened and was then transferred over to AmeriTech Financial. The associate, XXXX XXXX came on the line and explained that they helped with reduction and with loan forgiveness of student loans. I know about the forgiveness of loans program and have been trying to get involved with it for quite a while now. 

He had me on the phone for over an hour and all the information that he gave me was improper, though he continued to state that he was on the federal government site and this is what they had for me. 

He sent me a disclosure form to sign so that he could look at my information on the Government Database and asked me to read off the 6 digit number that he sent to me so he could look at my info on the federal government site. No where in his disclosure does he state that he is accessing my personal account with Navient and changing my information on that account. 

After I was off the phone with him, I received an email from XXXX that my username and password was changed. I never gave AmeriTech Financial permission to pull up my XXXX account or change my username or password. I never gave AmeriTech Financial my user name for my XXXX Account and only read them off a 6 digit number that they advised over the phone would give them access to look at my info online and that was me giving them permission to look at the national database. 

I did call the company back as I was upset that I spent all the time I spent on the phone with them for him to want to increase my loan by an additional 10 years so that I can receive a reduced payment of {$70.00} and have $ XXXX off the total of the loan. I complained to a manager who had a solution of putting me on the DO NOT CALL list and that what they do is perfectly fine and many people have many positive solutions, I just didnt have one with them because of my situation.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (DC)

PNC Bank didn't notify account holder of account closure. Bank card type Prepaid / Cash ( Smart Access ). Account receives Direct Deposit from XXXX, XXXX. 

Bank declined to disclose particulars to reason for closure. Bank account active since 2018. 

At this time ; bank balance remains unknown/ not in the account. After bank cleared direct deposit, it resulted in bank closed account. Account holder contacted number provided to this service, although was told " bank reserves the right to terminate relationship at anytime ''. 

Account older has no funds due to this unexpected closure.
Consumer complaint received 2018-05-15
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. (TX)

XXXX XXXX XXXX is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.
Consumer complaint received 2022-03-04
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. (FL)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-04
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. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXXACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2018-12-14
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: Diversified Consultants, Inc. (WI)

Diversified Consultants is showing up on my credit report stating that it was in collections.

I have never been with Diversified Consultants. I later realized by researching that they were affiliated with XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to resolve this. 

XXXX XXXX XXXX informed me, that they had the wrong address on file and that they were completely at fault, my account was also paid in full. 

I have been struggling with this 1 mark on my credit report for years, and I just realized CFPB existed. 

I really would like to get this resolved, as the company gave me their word stating they would have it removed off of my credit report, and the account was paid long ago.
Consumer complaint received 2022-03-04
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. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXXACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Unfortunately, after receiving both vaccinations I contracted XXXX I began to make contact with the credit card companies to make arrangements to lower my payments for a short while, every one of my credit cards cooperated except HSBCU, who offered absolutely no options except to close the account. I explained about my illness they did not make any payment concessions. HSBC informed me today that my account was closed back in XX/XX/2021, when I was at the height of illness, HSBC received a payment of {$390.00} in XX/XX/2021 and did not say a word, and another payment today {$530.00}. HSBC was obligated to inform me that my account was closed.
Consumer complaint received 2018-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank Of America is covering criminals who took my money. I have visited and called BofA many times and all I get is run around with NO results. BofA is helping and covering criminals. I need to know who can help! I need help to get my money back from BofA customer who they helped to still my money.