davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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: WELLS FARGO & COMPANY (FL)

WELLS FARGO is unlawfully reporting my credit card utilization information to all three consumer reporting agencies ( XXXX, XXXX, & XXXX ). 

According to Title 15 of the United States Code, section 1681a, under EXCLUSIONS the law states- the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The utilization of my credit cards being reported by WELLS FARGO to the consumer reporting agencies is classified as an EXPERIENCE between I ( the consumer ) and the person making the report ( WELLS FARGO ). CONSUMER REPORTS DO NOT INCLUDE EXPERIENCES ( CREDIT UTILIZATION )! MY ACCOUNTS ARE TO ONLY REPORT AS CURRENT. 

Pursuant to Title 15 U.S. Code, section 1681s ( b ) ( h ), and pursuant to subtitle E of the Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5561 et seq. ], WELLS FARGO is subject to have this title and compliance with the requirements imposed under this subchapter enforced by the Consumer Financial Protection Bureau, notwithstanding the enforcement authorities granted to other agencies under this section. 

Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance- Failure to REMOVE utilization information for both credit card accounts on ALL THREE consumer reporting agency reports by WELLS FARGO results in WELLS FARGO being liable to pay me a sum of {$1000.00} PER VIOLATION. That is a total of {$2000.00} payable to me. 

On XX/XX/XXXX I drafted and submitted my letter stating all of the above to WELLS FARGO and submitted it via certified mail. 

On XX/XX/XXXX my letter was delivered to WELLS FARGO at XXXX XXXX 

On XX/XX/XXXX I was contacted via telephone by a WELLS FARGO representative from their executive office, stating she is working on my case and does not understand what the problem is because she thinks " everything is reporting correctly '', which is INCORRECT. The provisions, requirements, and penalties stated are very clear, and I asked her to only communicate with me and resolve this matter in writing, and if she does not understand what I very clearly and concisely stated in the letter, she can refer my letter to her legal team to have the matter resolved. 

I DEMAND THAT WELLS FARGO DELETE MY UTILIZATION INFORMATION FROM ALL THREE CONSUMER REPORTS AND ONLY REPORT MY ACCOUNTS AS CURRENT IN GOOD STANDING FROM THIS POINT FORWARD WITHIN 10 DAYS OF RECEIPT OF MY LETTER. THERE SHALL BE NO REPORTING OF CURRENT BALANCE/UTILIZATION INFORMATION TO ANY CONSUMER REPORTING AGENCY, AS THIS IS CLASSIFIED AS AN EXPERIENCE BETWEEN I THE CONSUMER, AND WELLS FARGO. WELLS FARGO HAS UNTIL XX/XX/XXXX TO COMPLY WITH MY DEMANDS. 

FAILURE TO COMPLY WILL RESULT IN WELLS FARGO ISSUING A {$2000.00} CHECK PAYABLE TO ME AS A RESULT OF VOILATING MY CONSUMER RIGHTS.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (TX)

I reached out to the credit agencies to have these unauthorized inquiries removed from my report and there has been no adjustments to my report. Here are the hard inquiries listed below. 

XXXX XXXX XXXX NA. - XXXX XXXX XXXX CO XXXX XXXX XXXX -XXXX XXXXT 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 2021-12-02
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: Experian Information Solutions Inc. (TX)

Experian is reporting an item from XXXX that should have been legally removed after 7 years. Delinquency date is XX/XX/XXXX. Every time I dispute they recertify the debt. Please see attachment from Experian. They don't even list accurate information just says 180 days past due as of XX/XX/XXXX. This debt has been past due since XX/XX/XXXX. XXXX and XXXX have removed this item from my credit reports.
Consumer complaint received 2021-07-14
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. (GA)

Ive been A victim of identity theft!! Ive sent numerous ftc reports to both Experian & XXXX. The both have ignored my request per fcra section XXXX which states fraudulent accounts must be blocked within 4 days. Both XXXX and Experian responds with they cant read my paper work submitted. Which is untrue. XXXX has blocked information but the other two keeps saying its been verified. How is it being verified. Im not receiving updated credit reports via us mail.. 
Fraudulent Accounts 1. XXXX XXXX {$12000.00} acct # reported XX/XX/XXXX opened XX/XX/XXXX XXXX 2. XXXX XXXX XXXX {$680.00} acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$5100.00} 5. XXXX XXXX acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( Never lived at this address ) Please SEE POLICE REPORT & FTC report! 
I will fill a complete with FCRA and get an attorney because Im being ignored and its a violation of FCRA
Consumer complaint received 2018-07-27
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 — Their investigation did not fix an error on your report
Company: Helvey & Associates, Inc., Warsaw, IN Branch (MI)

Chapter XXXX bankruptcy filed XX/XX/XXXX, converted to Chapter XXXX bankruptcy XX/XX/XXXX, repeated attempts to correct inaccuracies now show only Chapter XXXX reporting, statute of limitations expired XX/XX/XXXX, but shows will remain until XX/XX/XXXX Helvey and Associates, creditor for XXXX XXXX, continues to report open collection account that does not belong to me, 1st date of delinquency reports as month after last account held by me, closed in good standing XXXX  reports open collection days after unauthorized hard inquiry of XXXX  XXXX account ' account previously removed from file reporting again as open collection, re-aged to appear as new debt XXXX  XXXX charge off account reports as new delinquency each month, and a credit utilization of 123 % despite account being closed XXXX XXXX reports as open collection, balance amount has increased slowly since appearing on report, this is not my account but remains despite repeated attempts to verify this debt
Consumer complaint received 2018-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

1, XXXX & XXXX XXXX took out a mortgage with XXXX XXXX  15 years ago ( XX/XX/XXXX ), at a rate of 5.74 % -180 payments of {$2100.00} due on the XXXX of the month beginning XX/XX/XXXX. 
2. XX/XX/XXXX we received a letter informing us of a reduction of rate to 5.24 % Due XX/XX/XXXX. 
at that time we had 176 payment left of {$2000.00} 3. The bank issued a change in due date to the XXXX starting XX/XX/XXXX 4. XXXX was acquired by Bank of America and on XX/XX/XXXX changed the due date to the XXXX of the month. 
XXXX. On XX/XX/XXXX Bank America sold our mortgage to XXXX/AKA XXXX XXXX for XXXX and that figure unbeknownst to us being aprox {$5600.00} higher what we could payoff by our end date of XX/XX/XXXX. Now need to pay nationstar {$5600.00} after our payoff date in XX/XX/XXXX. 
6. The Problem is with Bank America who we have spent months trying to get an answer and they can not provide full documentation to figure this out. They just don't care.
Consumer complaint received 2022-04-27
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/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.
Consumer complaint received 2020-09-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2020, I sent a complaint for Experian because I am a victim of identity theft, along with FTC, a copy of my Social Security card and my NYS driver liscense, in return, Experian responded that I Need to send the same items that I already sent.
Consumer complaint received 2018-07-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed an account in XX/XX/XXXX because it listed as filing for bankruptcy for the referenced account in XX/XX/XXXX and provides erroneous information that I included the account in bankruptcy which I did not. It is providing negative information and extending the date beyond my actual filing of bankruptcy which was actually filed in XX/XX/XXXX. Even if I did include the account in my bankruptcy the account would be deleted in XX/XX/XXXX just as my actual bankruptcy would be deleted. All of the details regarding a bankruptcy on the account should be deleted. Then in the processing of that error you updated another similar account stating that it was discharged through a bankruptcy. Both referenced accounts are not included in student loans and are not dischargeable. Both accounts are XXXX  XXXX XXXX  Accounts.
Consumer complaint received 2020-06-04
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: EQUIFAX, INC. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
XXXX
Consumer complaint received 2021-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (MN)

I filed a complaint on XX/XX/2020 to WAYPOINT, and they did not respond, I sent them several letters but nothing happened, I see no changes in my credit report, this really affectes me because I feel like they are no giving enough attention to my cases
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (CA)

I receive frequent calls to my recently established phone ( i.e. it is a new phone number for me ) from TSI/Transworld Systems Inc. ( www.tsico.com ). The calls are an " attempt to collect a debt '' and I have verified that I do not have the debt they are trying to collect, and I have previously requested to have TSI correct their records and remove my phone number ( XXXX ) to stop the unwanted/erroneous robo calls.
Consumer complaint received 2024-02-03
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (IL)

On XX/XX/XXXX I called direct express to report fraudulent charges to my account. The total amount was {$400.00} and after around XXXX weeks I got the money back. I just noticed that on XX/XX/XXXX they had done a credit reversal taking the money back from my account. I had not received any reason as to why this happened before the money was taken back. I didn't make these charges on my card and would have no reason to lie about that just to get money. One of the charges appears to be from a XXXX XXXX who I don't know. Just wanted to know what to do about this and if I can get the money back. Please help.
Consumer complaint received 2020-01-21
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2023-06-11
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. (LA)

I confirmed with the credit card holder that I was removed as an authorized user on XXXX XXXX. Ive filed three complaints with Experian since I was removed as an authorized user yet theyve not removed this from my credit report. The complaints were filed on XX/XX/XXXX and XX/XX/XXXX this year.
Consumer complaint received 2020-09-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

The credit bureaus are allowing Opportunity financial to continue to report incorrect information on my credit report. The credit bureaus are not doing a hands on manual human being method of verification. They are  using companies like XXXX XXXX, etc.,. They are using a machine to decide & verify & validate this account. That doesnt take into account what the consumer is disputing. This machine is ruining peoples credit. This is so unfair. I have continuously tried to explain to opportunity financial & the credit bureaus why this balance is incorrect. Neither company will budge or verify. Please follow suit with XXXX XXXX and delete this from my account. By law I have the right to dispute inaccurate info and have it removed. You can see the amount was originally paid down & wage deductions. Thanks for your assistance
Consumer complaint received 2021-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NE)

I have tried to contact Experian on numerous occasions with no success. My credit score with Experian is at XXXX while at XXXX  is XXXX and XXXX  XXXX. I wanted to find out why the discrepancy with Experian 's being so low. I was under the impression that the three credit bureaus should be reporting similar information which does not appear to be the case.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have a {$3.00} and some credit card bill, with some extra, that comes to over {$5.00}. Sent check to pay for first time ( moved bill pay to another bank and since this is last payment, sent check rather than set it up ) for the account. Check wasn't cashed, called, and they just threaten me with late fees or tell me to cancel the check ( $ 25+ fee for a {$5.00} check ). That was a stupid recommendation, that's someone reading off the script and not thinking. USAA should have figured that out and written a script for the reps answering the phone by now for that situation. Second, they didn't have the credit card acct # on it, so I get it back on Saturday saying they couldn't apply it, but are threatening me with fees. USAA should have something in place where when they receive checks, they can figure that out. Not expect folks with NO branch ( they removed it a couple of years ago ) to pay ANOTHER fee because its late AND another stamp for it.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Carter-Young, Inc. (TN)

I have two accounts on my credit report that I did not give permission for. Ive tried contacting the companies since XXXX. Recently in XXXX of XXXX Carter Young was taken off my report due to non verification. It just popped back up around XXXX. The credit companies are saying it is verifiable, but I have not been provided with anything. XXXX XXXX is also ignoring me in trying to fix this situation.
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (TX)

On XX/XX/2021 as a result of the Winter Storm, I scheduled a plumbing repair with XXXX XXXX XXXX. Due to the demand for service, the company conveyed that as a part of the scheduling I would need to " become a member '' and pay a portion of the charge upfront - **as a criteria for receiving service**. The upfront payment was submitted online. The plumber did not show to the appointment and upon contact to the company, they conveyed that the plumber did not have time to make the agreed appointment - and that they could schedule another appointment for an additional fee. Thus, no service was rendered, and the related charge for that service was disputed through the credit card company. Through an independent investigation, the credit card company confirmed the charge to be fraudulent and closed the dispute as resolved. 

Now, on XX/XX/XXXX I am receiving calls from a debt collector from Nelson Cruz and associates, who is prying for personal identifying information ( SSN ) and has indicated that the disputed fee has doubled. The only way to settle the debt is through a website requiring SSN credentials, then to " send a screenshot '' to close out the matter. 

This debt is fraudulent. This debt collection is extortive. I have patiently worked with both parties within reason, but I can not put myself at further risk by exposing my personal identifying information to unscrupulous disaster-profiteers.
Consumer complaint received 2018-07-27
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: AmeriCollect (MO)

The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... Americollect ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2021-12-02
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. (OH)

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2021-03-29
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: BARCLAYS BANK DELAWARE (NY)

THE FOLLOW ACCOUNTS HAVE ALSO BEEN AFFECTED BY THIS CRIME XXXXXX/XX/XXXX XXXX # XXXX. 
WYNDHAM XXXX XXXX  # XXXX. 
XXXX XXXX XXXX. 
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.