davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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 MULTIPLE occasions I disputed XXXX XXXX XXXX on my report. This was a XXXX bill from years XXXX to approximately XXXX. In XXXX I was coming out of a nasty divorce and on welfare. I HAD to go into non pay status on my electric to qualify for HEAP. So my first delinquency was in XXXX. This makes this debt 10 years old, past the point of being reported. The credit reporting agency non stop says verified. Wont provide me HOW they verified which I asked REPEATEDLY for. 

XXXX XXXX XXXX reports first delinquency was in XXXX. This is WRONG. This violates my rights. I am attaching a bill from XXXX to which shows that they are WRONG. This also proves the credit reporting agency is NOT DOING THEIR JOBS. 

Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. 

To determine when an account will be removed by the CRAs ( XXXX, XXXX, and Experian and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

I can continue to look or call XXXX for actual proof this goes back to XXXX for my first delinquency. But this in itself should show that this agency is not properly investigating and should be held accountable. 

I am asking for a IMMEDIATE REMOVAL or I will take this further being this is a CLEAR VIOLATION of my rights.
Consumer complaint received 2023-03-22
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: Skopos Financial, LLC (SC)

I've reached out to Skopos Financial several of times in regards to this old information that is being reported on my credit report that isn't supposed to be. This item is well over 8 years old and has been reporting for the last 7 years. It is well past statue of limitations. This item is hurting me financially, mentally and emotionally. I am unable to move forward with this old item still being reported. It needs to be removed immediately, otherwise I will be forced seek and obtain legal representation to have this item removed and other compensations to rectify this matter.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft which I let your company know many times. I contacted the Federal Trade Commission and filed a complaint # XXXX which are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account NumbeXXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

Victoria Secret was opened fraudulent. I'm a victim of identity thief Contact Victoria Secret Credit card about this and told them that I did not open this credit card and would like assistance with this. They would give me the run around and would not help me with this. 
Has now they added XXXX same accounts on my Credit Report with different account numbers but open the same day. 
They have not been very helpful to dispute this and have been very aggressive towards me about it.
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is the worst when it comes to fraud protection. I 'm always getting my card shut off for very small amounts ... much less than my balance and even when I 'm at dinner at a restaurant for a very small amount. I 've never had a returned check on my account and have been a customer for over 20 years. And then when I call about it it, I 'm on hold for more than 45 minutes just so I can use my card. This is ridiculous!! If they are going to put my card on hold, then get to me right away!!
Consumer complaint received 2023-03-22
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. (RI)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federal ally protected consumer rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C 1681. Section 602 A states I have the right to privacy 15 U.S.C 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 my account with out my written consent 15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting angency may make any consumer report containing any of the following items of information An other adverse item of information, other than records convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to Any consumer reporting angency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-22
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

While attempting to obtain a credit card and secure it with my credit, I faced rejection following a soft inquiry. In response to this setback, I decided to enroll in a credit monitoring service. Upon scrutinizing my credit report, I discovered several unauthorized items, indicating fraudulent activities. I am unaware of these creditor inquiries. I have reached out to the creditors that are reporting but have not gotten any responses back.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (PA)

I wrote a dispute to Commercial Acceptance Co after finding their address on the XXXX  website because this account is inaccurate. Commercial Acceptance Company reported the wrong address to my XXXX  report dated XX/XX/2021. THE FOLLOWING ADDRESS IS INCORRECT, XXXX XXXX XXXX XXXX XXXX, PA XXXX, THEREFORE THEY HAVE REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT. That is a violation of the FDCPA and FCRA! Please help me!
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I have a mortgage with Ocwen loan serving. I have paid my mortgage on time. I was in bankruptcy from  XXXX  to  XXXX . I gave Ocwen {$46000.00}. I have not seen any change in my mortgage. My mortgage payments are still the same. I have called  Ocwen  and the costumer service rep. Stated that the {$46000.00} went towards my principal. But when I look at my statement the {$46000.00} is not on my statement or online statement. I have called repeatedly and I would get transferred or hang up on. I would like this fixed.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I sent a letter to Agency for Removal of XXXX XXXX Account # : XXXX in the amount of {$870.00}. They responded with account valid. I contacted original creditor XXXX XXXX that did their own investigation and found I was no longer responsible for this debt due to Identity theft. I have attached proof of this with a letter in this complaint. I also submitted this to the Agency and they did not remove the debt.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NM)

I purchased a money order in XX/XX/2022. I filled it out and realized I had already paid my bill and didnt need to use the money order. The money order was Western Union and the amount was {$350.00}. I requested a refund from Western Union and they sent me a check in the mail on XX/XX/2022 for {$350.00}. I deposited the check into my bank account and XX/XX/2022 the bank withdrew the {$350.00} plus a {$10.00} fee for a returned check. I visited my bank institution and they explained that the check was not connected to a bank account where it was issued. I called Western Union and they said they would send another check. I received the newest check in XX/XX/2022. I tried to cash the check at the bank printed on the check and they red flagged the check for fraud and could not cash it.
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from PORTFOLIO RECOVERY in XX/XX/2018 in the amount of {$470.00}. First and foremost, I have confirmed that the debt collector, PORTFOLIO RECOVERY is not licensed in the state of Texas to collect on this debt. Secondly, PORTFOLIO RECOVERY violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to PORTFOLIO RECOVERY? I have never heard of them, have no written contract with them and have never received any benefits from them, yet PORTFOLIO RECOVERY has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$470.00}.
Consumer complaint received 2022-03-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Debt Recovery Solutions, LLC (CA)

Debt Recovery Solutions ( XXXX ) XXXX has not only contacted numerous family members but has also contacted my employer. They have no legality to pursue this debt. This was handled with the original creditor XXXX 5 years ago.
Consumer complaint received 2021-08-11
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

Citi bank charged me late fee and interest for the payment not paid on time due to technical issues at my bank. 

As soon as I learned the issue, I arranged payment from a different bank one day after the deadline and I alerted Citi bank right away. It charged me a fee anyway.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MO)

I ordered XXXX over the phone in 2016 over the phone we had agreement on a price for services but then when I receive my bill it was totally different they repeatedly wanted me to agree to new terms and agreements that we 're not in my favor I thought I was being taken advantage of over the phone they would keep trying to renegotiate a plan that was unfair I felt like they were stealing from me I cancel the service and they threatened to charge me {$340.00} disconnection fee if I did not stay with them they tried to bully me to keep their service but I disconnected it. They said part of the disconnection fee was for the equipment the XXXX XXXX on top of my house which they never came back to get also I asked him to give me the document or the recorded message stating that I agreed to a {$340.00} disconnection fee they could not show proof
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

A mod package was sent in XXXX ( see email attachment ) Sale date was set for XXXX. 
On XXXX Wells Fargo employee XXXX XXXX stated that a note on file deemed the account ineligible fore review and the call was transferred to the reentry team. XXXX stated that the documents were sent in and entered XXXX and that they need EIGHT days before the sale date to review the file and that they got the file SEVEN days before the sale date. 
California guidelines state 7 days are needed. NOT XXXX. 
Our office called Wells Fargo EXECUTIVE OFFICE. XXXX XXXX XXXX who did nothing to assist on the matter. She stated that she will request a reinstatement. The home owner DOES NOT HAVE THE FUNDS to reinstate. We called the executive office to get assistance with the documents that were there ON TIME. Instead no assistance was provided. 
It is very apparent that Wells Fargo would rather foreclose on the home than provide assistance. There is no tangible reason for Wells Fargo to REFUSE to review the COMPLETE package that was there on time. Wells Fargo is discriminating against the homeowner based on his age, race, ethnicity, marital status. We are demanding a fair review of the file or XXXX XXXX will assert his legal right and name Wells Fargo defendants in civil court.
Consumer complaint received 2016-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (IN)

On XXXX XXXX, XXXX our house burned down. All XXXX equipment was lost in the fire. We called XXXX on XXXX XXXX, XXXX to report the loss of equipment. We were told by the customer service rep that we would receive a bill for the final amount. In XXXX XXXX, we received a statement dated XXXX XXXX, XXXX showing the charges for the service and equipment. On XXXX XXXX, XXXX we paid the balance on the account. Now, 3 years later, we are being harassed by XXXX collection agencies for a XXXX charge of {$140.00} for which they have not produced any documentation as proof that this is a valid charge. The harassment began in XXXX XXXX and has continued even though we have produced documentation showing our account paid in full.
Consumer complaint received 2019-02-23
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. (FL)

My credit report with TransUnion is reporting this debt as 120 days pass due as the status instead of paid and closed. The account has a XXXX balance but the credit reporting agency has status as 120 days past due.i have disputed this with the reporting agency multiple times with no update to this status.
Consumer complaint received 2016-09-22
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AZ)

I was/am a Wells Fargo ( WF ) customer who was a victim of the scam/fraud that has been in the news lately. 

My story : I opened XXXX checking account and XXXX savings account with WF perhaps 10 years ago. However, about 3 years ago, a WF banker said I needed to open a second checking and second savings account. She gave no reason for this action, but opened XXXX anyway as I watched passively. I did not try to talk her out of this action because I was honestly confused as to what was going on. 

In late 2015, penalty charges were made to my account in the amount of {$30.00} per month for 4 consecutive months ( total {$120.00} ). When I called WF to question why the charges were made, the WF rep said, " Because your accounts are not properly linked. '' I had no idea what " linking '' meant and so complained vociferously about the charges saying this was a deceptive practice. The banker said, " You should have read the account agreement. '' I asked where I would find that agreement ; she said, " on-line. '' The banker finally said she would restore part of the charges and I said " no '' I wanted the full amount restored. I was livid. Finally she agreed and the entire {$120.00} was restored. It was restored, she said, because my account was large enough that they did not want to lose me as a customer. 

In the end, I did not lose money, but only because I spotted the charges and complained loudly to WF. And because I had a large balance with WF. Nevertheless, I would like to see my complaint go into the WF file. 

I conclusion, I have found WF to be deceptive about their business practices and continuously high-pressuring in their sales practices. It is impossible to do business with WF and not get a " full-court press '' sales pitch from them on their various products. It 's a terrible business model. They are the enemy, not the trustworthy banker you expect. 

Thank you.
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (IL)

In 2018, I had a car loan with Wells Fargo. It was a high interest rate and was told that i must buy gap insurance. 
I understand that there was a government law suit for this. I want to see if I have a settlement. 
My new phone # XXXX. 
New email : XXXX XXXX