davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc. (NY)

This is a factual statement of record made by a natural person, consumer, I am XXXX XXXX XXXX. I do not consent to XXXX verification. Upon receiving your unrequested notice dated XX/XX/2021through XX/XX/XXXXmail, as a natural person protected by federal law I noticed a number of direct violations to my consumer rights. Pursuant to XXXX XXXX XXXX ( XXXX ) the deceptive attempt to collect an alleged debt is a violation of federal law. A debt collector may not use unconscionable means to attempt to collect any debt. Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of mails or by telegram. Your hideous logo is in violation of XXXX XXXX XXXX ( XXXX ). Furthermore, XXXX XXXX XXXX ( XX/XX/XXXX states you are not to contact a natural person without prior written consent or a court order. I gave you no authorization for you to contact me and you are in violation of federal law by doing so unless you are able to produce a judicial ruling for my inspection that gives XXXX XXXX XXXX XXXX XXXX XXXX XXXX permission to disregard federal law. In response to your negligence, pursuant to XXXX XXXX CODE XXXX - Civil liability ( XX/XX/XXXX ) amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( XXXX ) any actual damages sustained by such person as a result of such failure ; ( XXXX ) (XX/XX/XXXX) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {XX/XX/1000}. Below is a list of your violations and attached is an itemized bill of particulars for immediate payment within XXXX days of receipt of this notice.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to inform you that I have strange activity in my credit report. It seems like somebody just filed fraud accounts I can not understand how that possible. But I kindly asking you to delete them all as these account and inquiry are not mine.
Consumer complaint received 2022-12-15
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-08-24
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. (OH)

I had a credit card with XXXX XXXX XXXX and XXXX XXXX XXXX bought my debt contacted me and I paid them in full with the agreement of deleting it off of my credit report and it is still on there I would like it removed. It is no longer on my XXXX  but it is still being reported on XXXX  and TransUnion  with a balance of XXXX when it has been paid.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY ()

I am an XXXX citizen living in XXXX. I have XXXX XXXX and XXXX numbers which makes me an American Taxpayer living overseas. 

Wells Fargo has acted unethically by refusing to return my money to myself when I asked for it. 

For the last 2 years approximately I have been trying unsuccessfully to get my accounts closed and my money transferred back to myself in XXXX I believe the treatments I received were highly discriminatory in nature. 

1. I was NOT allowed to order and get a check book. WF issued a wrong check book when the account was opened in 2011. WF refused to issue a correct check book replacement. WF does NOT allow me to order a check book online. Requests through various bankers for a check book by phone calls and emails were ignored and not successful.

2. I was NOT allowed to write a check to myself to close my account and obtain my own money 3. WF will NOT issue a cashier 's check to me to close my account 4. I was NOT allowed to transfer my money out of Wells Fargo 5. I was NOT allowed to order and get a RSA SecurID device for online banking purposes.

6. WF will NOT transfer my money to myself to close my account.

7. I was treated differently because I live overseas and register an overseas address for my WF accounts.

8. I may be treated differently because of the balance in my account.

It is my unconfirmed suspicion that WF deliberately make things difficult a. WF failed to advise how I could access ALL my money in ONE transaction.

b. WF makes NO efforts to verify myself or my supplied XXXX bank account c. WF mailed important letters to stall for time. They ignored they have SecureEmail. In my online banking EmailUs box is no longer available through their portal.

d. WF supplied a physical address for correspondence despite current situations.

e. None of the associated problems and difficulties outlined here was explained at the time of account opening at Wells Fargo XXXX  branch. They failed to disclose their products as NO product disclosure was given.

I was assigned numerous Case IDs which include but not limited to the following Escalated Complaint XXXX XXXX XXXX XXXX XXXX XXXX Bankers I have written to and made aware of my situations include but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have spent many hours to talk to various bankers and write to WF. I can supply evidence in writing but may need an email address to send to.
Consumer complaint received 2021-11-18
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. (IL)

To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX Appalled by that information, I went directly to XXXX XXXX and in their response to my inquiry they claim to have never verified this item with you and gave me the enclosed letter stating they couldn't verify the bankruptcy .This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE XXXX  STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the letter from XXXX and the court house for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.
Consumer complaint received 2021-08-24
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. (NY)

On XX/XX/XXXX, XXXX Equifax Score was XXXX. On XX/XX/2021, I Logged onto XXXX to Check My Credit Scores. When doing so, I Noticed My 'Equifax XXXX Score had Decreased 23 Points. This was Unusual. When I Checked the Notification as to Why My Score Decreased, It Stated I had a " Late Payment within the Last 30 Days '' - Which is Inaccurate. My Payment History has Been ON TIME within the Last 14 months. Im Not Sure Where that Information Came From, because there is No Late Payment Reported on Any Account on My Report within the Last 30 Days. Trying to Dispute on Equifax was unsuccessful due to lack of options. Nothing Has Changed from XXXX to XXXX except My Credit Utilization Decreasing - Which Should NOT Decrease My Score. This was Unfair and Should Be Reversed.
Consumer complaint received 2021-11-18
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. (NJ)

XXXX XXXX & all 3 credit Bureaus are reporting me late in XX/XX/XXXX & XX/XX/XXXX, I paid 3 payments ahead anticipating major surgegy. XXXX or Credit Bureaus have not been of any help The one account due to neglience dropped my score XXXX points.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (NJ)

PNC Bank XXXX XXXX XXXX credit Bureaus are reporting me late in XX/XX/XXXX & XX/XX/XXXX, I paid 3 payments ahead anticipating major surgegy. PNC or Credit Bureaus have not been of any help The one account due to neglience dropped my score 100 points.
Consumer complaint received 2021-11-18
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. (NY)

The issue in XX/XX/21 XXXX was : Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. '' Equifax 's XX/XX/21 response to XXXX was : Please provide us with the following information : Specific item name, account numbers and nature of dispute... 

In XXXX, XXXX, XXXX, XXXX and XXXX Equifax clearly acknowledged the nature of the dispute. 

The specific item name and account numbers are in the attached Equifax XX/XX/21 and XX/XX/21 confirmation # s XXXX and XXXX
Consumer complaint received 2021-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

CHARGE OF DISCRIMINATION This form is affected by the Privacy Act of 1974. See enclosed Privacy Act Statement and other information before completing this form. 
Charge Presented To : FEPA Agency ( ies ) Charge No ( s ) : X EEOC XXXX NEW YORK STATE DIVISION OF HUMAN RIGHTS and EEOC State or local Agency, if any Name ( indicate Mr., Ms., Mrs. ) Home Phone Year of Birth XXXX XXXX
Consumer complaint received 2021-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase took illegal action to close two of my checking accounts - a business checking account and a personal checking account. 

When they closed these accounts, they blocked all online access to my pre-existing Chase-issued XXXX Credit Card account XXXX These accounts all have the same login location on the internet. 

I have been unbale to access the account to make any payments or to otherwise use the account as I could use it previously. 

I demand Chase explain why they have taken these XXXX  actions. 

I refuse forever and permanently to pay any amount on this card until the damages Chase has created by their irresponsibility it fully corrected with compensation to me for their damages and losses that they have caused. {$25000.00}.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (OH)

On XX/XX/XXXX I forgot a payment was due on XX/XX/2022 I called and the company waived the XXXX late fee and I made my XXXX payment for XXXX that day, I received an email stating my late fee was approved and waived I called XX/XX/2022 to make my XXXX payment early that was due on XX/XX/XXXX the customer service rep said the computer was down so I called XX/XX/2022 to make my payment of XXXX that was due XX/XX/XXXX and asked why the XXXX late fee wasn't taken off he said I cant find anyone to help with that question call in an hour I called back and was talking to a lady 25 minutes the phone was called was disconnected I called back another representative said I only had to pay XXXX so paid that she took the XXXX off but she didn't now I'm charged another XXXX late fee when my payment for XXXX was paid on time I called the company today to tell them my XXXX late fee for XX/XX/2022 was approved to be waived and then they charge me XXXX late fee for XXXX because I didn't pay the XXXX late fee for XXXX .my payment was not late for XXXX and the customer service rep was rude and would not let me talk to someone with more authority than her .the company is Avant credit card company in Illinois I XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 and still no one will fix the mistake Avant made and keep charging me late fees I dont want this to mess up my credit reporting.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (TX)

My debit account has been locked on XXXX contacted bluebird XXXX  customer service more than once and i am told i am permanently suspended. i have no access to my XXXX and i am told my account is under review by another department and there is nothing i can do to access my funds and no immediate contact to the other department. this is obscene, how can a company with the visa logo lock an account with funds available in it and tell you there is no current way to access your own money.
Consumer complaint received 2022-10-12
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. (CA)

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 investigate and correct from erroneous reporting in my file are listed on my credit report 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 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 2021-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021 I received a letter from the Attorney General of Missouri about my complaint on XXXX. According the letter XXXX sent to the Attorney General Office, XXXX has decided to keep violating my rights under the FCRA. I have disputed the information XXXX, Transunion and XXXX is furnishing several times. I have also sent XXXX, Transunion and XXXX the letter XXXX sent me, saying that the information is inaccurate. Also, from XXXX, Transunion and XXXX furnishing this information I have been denied credit on several occasions.
Consumer complaint received 2022-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

My federal student loans were with FedLoan and were recently forgiven under XXXX. At the beginning of XXXX, I received an email from FedLoan indicating that I was eligible for a refund for payments made during the COVID pandemic. When I called to request the refund, they said they would submit it. I called back in XXXX and they confirmed the request had been submitted in XXXX. 

The week of XX/XX/XXXX, I spoke with them again because I still had not received the refund checks. They told me the refunds were taking several months because of the large number of refunds due to borrowers, and they confirmed I was due a refund in the amount of {$18000.00}. They advised me to call back in XXXX. I called again on XX/XX/XXXX and was told everything was in process but that the delays persisted in getting the refunds out to borrowers. 

When I called today to check again, I discovered FedLoan no longer exists. I understand you have successfully helped others unstick this process and was advised to contact you. Please advise.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I have multiple inaccuracies with XXXX XXXX ( XXXX ) Account on my profile. The reporting of late payments after a repossession occurs is an error and is NOT FACTUAL. The Account that you are reporting is identified as a repossession yet, You have continued to report late payments with XXXX in XXXX of XXXX Since the vehicle is no longer in my possession, It would be impossible for me to default on the payments after the fact! XXXX XXXX XXXX shows repossession while XXXX shows 90 days late for payment status! XXXX, XXXX XXXX XXXX are also showing the following inaccuracies : Monthly Payment : XXXX {$190.00} XXXX- {$0.00} XXXX- {$190.00} Date Opened : XXXX XXXX XXXX XXXX : XXXX- {$6800.00} XXXX- {$6800.00} XXXX- {$6600.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX Due : XXXX {$990.00} XXXX- {$990.00} XXXX {$590.00} Payment Status : XXXXRepossession XXXXRepossession XXXX 90 Days Last Reported : XXXX XXXX XXXX Date XXXX Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX The account that Credit Acceptance ( CREDITACPT ) is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
Consumer complaint received 2021-11-18
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. (LA)

I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed Notfication claiming that the bankruptcy was verified by the Bankruptcy XXXX. 

Appalled by that information, I went directly to Bankruptcy Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this bankruptcy is by law considered XXXX. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A XXXX must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the XXXX is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the XXXX letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.