davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the  payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Contacted by a scammer to deposit a cashiers check in my account and part of the funds needed to be transferred back to them. On XX/XX/27, check was deposited into my Bank of America account. And money being sent through XXXX and going out of my account until I found out yesterday ( XXXX ). The check got on hold with the bank. There were XXXX different XXXX transfer transactions from my account. The funds are now out of my account but the money was already sent. Also, I didnt do all this, someone else did. The bank refuses to give me a refund for this, even though similar issues have occurred and banks such as XXXX XXXX have given courtesy refunds to their clients who used the same service, XXXX.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I summarize my complaint below. 

( 1 ) I found out a purchase dated XX/XX/XXXX that was not made by me. The amount is {$260.00}. 
( 2 ) I notified the bank in writing of the dispute item on XX/XX/XXXX that was before the statement payment due day XX/XX/XXXX. 
( 3 ) On XX/XX/XXXX, the bank sent me a dispute form which I completed and returned to the bank on XX/XX/XXXX. 
( 4 ) The bank replied in writing on XX/XX/XXXX, crediting my account {$260.00} of the disputed amount. They said they forwarded the billing dispute to the merchant 's bank for their review. 
( 5 ) I received a letter dated XX/XX/XXXX from the bank enclosing documentation from the merchant. The bank said they consider the charge is valid and placed the amount back on my account. From the merchant documents the purchase is online transaction which the merchandise was picked up in store in XXXX XXXX, New Jersey. The merchant did not provide the signature of the person who picked up the merchandise. I live in XXXX XXXX in California and did not visit XXXX XXXX on the date of purchase. 
( 6 ) I paid the charge back {$260.00} on XX/XX/XXXX. 
( 7 ) I called the bank 's billing dispute team on XX/XX/XXXX and pointed out the transaction is fraudulent and I did not place the online order and did not pick up the merchandise in XXXX XXXX store.The bank staff ignored my points and insisted the transaction is valid.
Consumer complaint received 2021-02-06
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. (FL)

XXXX XX/XX/2021 @ XXXX CST, I called Equifax to dispute inaccurate information being reported on my credit report. I disputed earlier, but information continues to show on my report. I explained that I had disputed earlier, and that they had not corrected. The issue is that Equifax is reporting on three of my accounts incorrect date reported inputs. I explained that a data entry person incorrectly inputted report date into the date reported field ( which are not the same ). These are all closed, XXXX balance, no activity accounts. I continued to explain that this administrative error is impacting my credit score in a very negative manner ; decreasing my score. Which is impacting my livelihood. My request is to have the information corrected immediately for the reason that it is Equifaxs error! If they could not correct the entry, I requested that they remove the accounts from my report! I requested to speak with a supervisor ( First Name : XXXX ). XXXX only proceeded to tell me that it would take 30 days to dispute. I explained that I had verified the information with the creditors, and that it was a quick fix! She proceeded to talk over me and not listen to the logic in correcting the error immediately. I continued to explain that the algorithm of their model is reading the incorrect information as a new account/delinquency! Therefore, reporting INACCURATE/INCOMPLETE information, and is UNFAIR REPORTING! 
XXXX then abruptly hung up the phone in my ear. Very unprofessional! 
I called back to the company and spoke with a different first line person. While talking with her, the call was disconnected? I called back a third time and was unable to get through..they somehow blocked me from reaching a live person. 
Again very unprofessional!!!
Consumer complaint received 2017-12-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I go to look at my credit score on XXXX and I look at my report through XXXX and there is an Hard inquiry from XXXX XXXX XXXX. I have never applied nor had any kind of account with them so i called them and they confirmed that they do n't have anything on file for me and never have. Then i call XXXX XXXX to see what was going on and I was told to call XXXX who directed me to you all because they could n't help me which is why i am filing this complaint.
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (UT)

I received request from Diversified that they were trying to collect this debt that is not mine. I mailed them a certified letter that was signed for requesting them to verify this debt with proof of application, signature on application, all accounting information of this debt. This was signed for by someone in there office as I have the receipt. They did not send me proof of validation of this debt and this was previously deleted from my credit by a different agency as they seen this was not my account. Now today I see this has been added to my credit report! this is violated my FCRA rights and I need answers!
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I am disputing the Macy 's account XXXX. This company reported me late twice last XXXX. 30 days late last XXXX XXXX and 60 days last XXXX XXXX. We never had any contact after I applied for this Macys account. No email, call, mail and not even a statement or bill. I was under the impression that I can have the first purchase discount even without the card and will be charged to my debit card. I was not informed that it will be applied to the card. I never receive a card from Macys. I never activated a card and never use it. I called Macys today and verified with them that the address they have on file is an old address. I was not able to receive any letter. According to the representative I spoke with, the account was closed by Macys because all the letters they sent was returned to them confirming that I was never ever informed about the account. I was not able to provide them my new address because I was never contacted by them thinking that this account never went through. I did not activate online access thinking that there was never an account. I paid them XXXX XXXX. I am disputing the fact that, that amount should have paid on time if they were able to contact me. It 's not my fault the payment was late. It is not my fault that I did not receive the card.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX VALIDATION OF PROOF AND SUPPLY FOR BANKRUPTCY TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX XXXX FREEZE OF REPORT ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX LETTER TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX FRCA VIOLATION TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX WARNING TO FILE CFPB COMPLAINT ( proof of exact letter sent and certified mail dates will be attached ) The above listed are the dates in when certified letters were sent out to validate how the credit reporting agencies obtain public record information. In doing so they have reopened accounts that were already included in the bankruptcy. 

Proof of what each letter stated will be provided for the investigation
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One refuses to correct the incorrect late payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX per the XX/XX/XXXX Capital One Credit Bureau Resolutions Department 's reply, copy attached, to my XX/XX/XXXX letter to the Capital One Credit Bureau Dispute Department, copy attached. 

In good faith, I made the the lower payment offers to me by Capital One verbally on XX/XX/XXXX and letters of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Capital One failed to advise me verbally on XX/XX/XXXX or in writing, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX letters, that making the lower payments would result in " Late Payment '' status of my account for these individual payments. 

If Capital One intended to classify the lower payments offered to be classified as " Late Payment '', I would have expected Capital One to fully disclose their intention of classifying their lower payment offerings would result in those accepted lower payment would be classified as " Late Payments '' in their XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX letters to me.
Consumer complaint received 2017-11-10
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: Experian Information Solutions Inc. (WI)

I sent letters to XXXX, XXXX, and Experian on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED XXXX XXXX Docket # XXXX. I was than told that was not acceptable.
Consumer complaint received 2024-01-26
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. (RI)

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 that need to be investigated and corrected 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
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (FL)

I checked my credit after being denied multiple times for a new auto loan. I noticed FOUR accounts for DBA PARAGON REVENUE totaling amount of {$500.00} with the ORIGINAL ACCOUNT OWNER as XXXX XXXX XXXX. First, each of these debts are a violation of my HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have had a severely detrimental impact on my financial standing and have caused significant XXXX. 

I have diligently followed your company 's established procedures for reporting fraudulent activity, provided all requested documentation, and submitted detailed explanations of the discrepancies. However, despite my best efforts, these fraudulent items remain on my credit report. 

I want to emphasize that I have acted responsibly and in good faith throughout this process. I have promptly reported any suspicious activity, cooperated fully with your company 's investigation requests, and taken every possible step to protect my financial reputation. 

I am formally requesting the following actions to be taken as a matter of urgency : A comprehensive and thorough investigation into the fraudulent items on my credit report to establish their inaccuracy and fraudulent nature. 
Immediate removal of the fraudulent items from my credit report. 
A written confirmation of the resolution, including the date when the fraudulent items were removed. 
An apology for the undue XXXX  and financial harm caused by the presence of these fraudulent entries on my credit report. 
I understand the importance of maintaining accurate credit reports for both consumers and creditors. It is my firm belief that addressing and rectifying these fraudulent items is not only in my best interest but also essential for upholding the integrity of the credit reporting system. 


I sincerely hope that such measures will not be necessary and trust that your company will act swiftly to rectify this situation. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXXK, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$1400.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2000.00} XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$64.00}.
Consumer complaint received 2020-09-01
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)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XX/XX/2020 {$1200.00}
Consumer complaint received 2020-10-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: eMoneyUSA Holdings, LLC (MO)

I needed a small loan for my car insurance deductible, and I applied for a loan online. Emoney usa called me and offered a {$600.00} loan. I excepted the loan, but once I added up the total amount I was to back I immediately called back to cancel. They told not to worry about the total because I could pay the loan off sooner. The total amount to pay back is {$2000.00} for a {$600.00} loan. I've paid back {$1100.00} so far. I don't want to ripped off for anymore money.
Consumer complaint received 2022-09-08
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. (GA)

My credit profile is reporting that the Bankruptcy information was verified by the Northern District Court on XXXX XXXX XXXX, XXXX floor, XXXX GA XXXX. This is FALSE. This account has not been properly verified and validated.
Consumer complaint received 2022-09-08
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. (WA)

The two derogatory accounts have both reported incorrect information about my accounts to the credit bureaus. The XXXXXXXX XXXX  Account has reported incorrect amounts, payment history and information on the account. The XXXX collection company has reported an incorrect amount as well as personal information. Through prior credit repair I was able to remove them off my credit report ( I have attached proof of removal below ) but they have recently shown back up only on my equifax report and I would like removed again and permanently from all three credit bureaus. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Acct. # XXXX, and XXXX XXXX Acct. # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-07-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (MN)

XX/XX/XXXX we, wife and myself joint owners of XXXX account for 17 years, purchased Cashiers Check for {$22000.00} at XXXX XXXX branch of WellsFargo ; Mailed to Payee, my 401k plan administrator ; pay-off of the loan balance ; XX/XX/XXXX we submitted Affidavit as to Lost, Destroyed or Stolen Cashiers or Official Check at XXXX XXXX branch Banker 1 stated the sum will be refunded to the checking account 90 days after purchase ( XX/XX/XXXX) XXXX XXXX XXXX 101 days from the Cashiers Check purchase day Met with a Banker at at XXXX XXXX branch, Requested refund of {$22000.00} to the checking account Banker 2 demanded submitting a legal copy of the check as a re-condition to refund. <P/>XX/XX/XXXX 103 days from the Cashiers Check purchase day Payee stated in writing that the Cashiers check was destroyed ; we forwarded the Statement to the Banker 2 ; Requested refund of {$22000.00} to the checking account Payee never cashed the check ; since then - multiple interactions with Customer Care XXXX ; escalated to CASE GMT XXXX at WFB WFB refuses to refund the CASHIER 'S CHECK to our account. since 90-day after XXXX XXXX XXXX Wells Fargo os in breach of UCC and Min. Stat. 336.3-312
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and XXXX. 

During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue XXXX  and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} ; DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$1400.00}.
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (VA)

XXXX continuously contacted me for years to collect on a debt then sold it after charging it off to NCB Management and give them my emails which has never been an authorised form of communication with anyone to share but myself. That company proceed without any confirmation from myself or even contacting to create an account on my behalf without my permission. Sadly, I no longer have access to my previous phone where both of these companies were continually harassing me.