davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (UT)

I sent a total of six validation requests but I never received a response from this company. My initial request was on XX/XX/2021 but nothing has been done. 

They are reporting an inaccurate account with both an " Open '' and " Closed ' status. This doesn't make any sense and it's been months like this.
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (PA)

I have disputed this account with Commonwealth Financial and they have sent me nothing at all. I do not know who they are or why they are on my credit. On my credit, it says there's a balance of well over {$1000.00}. You would think for that kind of money, Commonwealth could at least write me a letter. Sheesh. I am asking you kindly to investigate their willful negligence. I believe in the United States, reporting invalidated information constitutes defamation of character, as well as willful negligence. PLEASE HELP ME!
Consumer complaint received 2018-02-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (MO)

In XX/XX/XXXXI had 2 online payday loans. I was in a bad financial situation. Once I got back on my feet. On XX/XX/XXXX called the collection company to work out a settlement offer. The lady on the phone told me that if I paid both loans off in 2 weeks, they would REMOVE the entire file from my credit report. I paid both loans off as agreed and they did not remove them from my credit file. One loan amount was {$620.00} and the other was {$1300.00}
Consumer complaint received 2018-03-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}
Consumer complaint received 2018-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

On XXXX18 I checked my credit score with Equifax, as I noticed that this service was the only one that listed a delinquent item in my overall score. I tried for about 45 minutes to take care of the problem online, with no success. There website did not function as purported to. Totally dysfunctional website. Finally gave up and tried to find out how to complain and to whom. Found this website, talked to an agent and got directed to this complaint system. 

The issue involved a mistake made by a kid behind the counter of a XXXX XXXX XXXX XXXX in XXXX, Wa. XXXX XXXX XXXX. It occurred about 3 or 4 years ago. I discovered that this XXXX XXXX XXXX was taking money out of my account to pay for a loan account that I had a credit card for. When I discovered they were deducted money from that account I decided to close the account. I specifically told the kid to cancel my account, which I discovered during the data breach where everybody 's personal information was hijacked. I then took care of it, I thought. Apparently, Equifax didn't get the message. They continue to show a delinquency that affects my credit score. I actually went into the credit union 's branch in XXXX, Wa. and told them of the problem and they retracted the delinquency notice. I don't know why Equifax ignored the results of that retraction when the other 2 agencies abided by retraction. I tried to communicate with that operation but was unsuccessful due to their website being so dysfunctional. I need help getting the message to this " company. ''
Consumer complaint received 2018-03-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (OH)

XX/XX/XXXX closing. XXXX mortgage amount .The process started several months before date of closing. we were told that our FHA mortgage would have to have PMI and after 5 yrs or 20 % equity, the pmi would fall off. Apparently the rules changed on XX/XX/XXXX that year and we are locked in to paying for the life of the loan. I feel that we were misled and coaxed into signing for the pmi with the impression it would fall off. I also feel since our loan process started long before the change we should be held to the original parameters of the pre- XX/XX/XXXX fha guidelines. 

This probleme came evident when discussing whether to refinance or not because we were coming up on 5 years/20 % equity.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX child support, # XXXX child support, 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 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX child support, # XXXX child support, 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 2022-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

I received a debit card from Wells Fargo with my name. 
I have not applied or have any business with Wells Fargo. It is tied to another account, in which the agent I reported to could not give me information about, inclduing a telephone number.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called Bank of America on XX/XX/XXXX to ask them if I can deposit a third party check into my checking account, they asked the amount {$2000.00} and if I had ever had a check deposit return and I said no and I was told that I could deposit the check as long as it was endorsed by the third party. I deposited the {$2000.00} dollar check into my account on XX/XX/XXXX as instructed, the check was made out to my neighbor and he endorsed it and wrote deposit to # my account number. On XX/XX/XXXX I wake up to find out the check deposit was returned and now I am being charged a bunch of fees 4 {$35.00} overdraft fees. This is a deceptive practice becase I was given incorrect misleading information. I am also a military veteran and single father of XXXX kids, I called Bank of America and they offered no help, they expect me to be overdrawn without gas money or food for 10 days while I wait for snail mail to send me a legal copy of the check. Bank of America offered me zero help, and only offered me an empty apology. They are not willing to waive fees even though they advised me their own employee gave me incorrect information.
Consumer complaint received 2022-01-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 a letter was mailed to Equifax ( regular mail to XXXX XXXX XXXX XXXX, GA XXXX ) requesting that they disclose the method they used to retrieve a Bankruptcy record that they have listed as a public record on my credit report. I advised in the letter that at this time I was simply seeking detail on their verification method. Equifax did not respond. Following the lack of response I went directly to XXXX XXXX : and the Bankruptcy Court noted on my credit report and in response both entities responded they could not verify the record themselves- and XXXX XXXX specifically as a result of not being able to verify the record - deleted the Bankruptcy record from their reporting. Following the response of both entities I submitted a formal dispute to Equifax on XX/XX/2021 ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ) which was delivered on XX/XX/2021. The dispute documentation included the notice from XXXX XXXX and the Bankruptcy court. Along with all pertinent letters. Equifax responded indicating the record would remain as the information was accurate. Equifax did not furnish any documentation to support their response or decision to leave the record unchanged - despite the evidence I sent to them showing the item could not be verified in accordance with FCRA requirements. On XX/XX/2021 I sent a follow-up notice to Equifax regarding their dispute response ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ). At this point I have given Equifax ample time to properly resolve my dispute and to review their error.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OK)

I sent a letter to the XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me, XX/XX/2017. I specifically asked for a signed agreement and other supporting documentation. They instead provided me with billing statements from a computer screen ; which does NOT prove that I am obligated to pay them anything. The document is dated XX/XX/2017. 

They have continued to report delinquent information to the credit bureaus that I am asking to be deleted which is poorly reflecting me inappropriately.
Consumer complaint received 2018-02-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact Equifax and XXXX, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of this.
Consumer complaint received 2020-01-23
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. (FL)

I am requesting again to investigate accounts which does not belong to me.If you do not have any proofs you have to remove as soon as possible. If you are not going to take actions I will sue you.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CHARGE OFF ARE CONSIDERED TO BE EARNED INCOME. I REQUEST A 1099C AND THEY DID NOT SENT ME A 1099C. INCOME IS FORBIDEN TO BE ON A CREDIT REPORT ACCORDING TO CONGRESS :15USC16812AI NO TRANS ACTION OR EXPERENCES ARE ALOWED TO BE ON A CREDIT REPORT
Consumer complaint received 2019-09-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was sent a check to deposit and cash through my checking account at Wells Fargo Bank. The person I was cashing the check for stated that this woman made a purchase and owed him the money. But because he was out of the county he could not cash check. He said he had the owner of the check make it to me so I in turn could send the money to him. The check apparently was not sent by the owner of said account. This resulted in me being accused of fraud. At this time I am not allowed to open any checking accounts because of this. I got scammed. I even spoke to the owner of the check and told her what happened. She said she does not blame me. What action do I need to take to fix this problem?
Consumer complaint received 2019-11-13
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. (FL)

There are several closed accounts that only Experian is reporting as late every month they are as follows : XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX I will attach the reports from XXXX  and XXXX showing that these account do not report every month SINCE they closed.
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir or Madam : I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount listed on the attachment. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Consumer complaint received 2023-02-15
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: Capio Partners, LLC (TX)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Consumer complaint received 2022-04-29
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions There is incomplete and inaccurate information on my report.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX  is reporting a {$4600.00} balance charged off on my XXXX Consumer Report also it's not showing that I only had a credit limit of {$1500.00} on this Consumer Report it's showing my credit limit was {$1500.00} but the balance due is {$4600.00} Account is Charged Off but I still have late payments being added to my Consumer Report I was sent a 1099c for this debt of {$1500.00} why is this account still being reported on my Consumer Report? 

XXXX  XXXX XXXX is reporting a {$2100.00} Balance that was charged off but I still have late payments being reported to my Consumer Report. I received a 1099c for this account. 

XXXX XXXX is reporting a charge off on my Consumer Report I am still getting late payment when I received a 1099c for this account. 

XXXX XXXX is reporting a charge off for ACCT XXXX I received a 1099c also they are still reporting late payments. 

XXXX XXXX is reporting a charge off for Acct # XXXX this acct was paid in full.
Consumer complaint received 2020-01-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eagle Recovery Associates, Inc. (WI)

Eagle Recovery Services continues to contact me via phone. I have sent a cease and desist letter if there is an attempt to collect a debt to please forward proof VIA LETTER to a specific address. I have not received any letter. Now I continue to receive phone calls from this establishment when I asked for all phone contact to be ceased. 

I have received a phone call today XX/XX/20 at XXXX pm with a voicemail that is vague with no name except the business other than to collect a debt that does not exist. Per my cease and desist letter I will continue to file a complaint every phone call received.
Consumer complaint received 2021-01-28
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. (AL)

My concerns with XXXX and their unfair credit reporting processes. 
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. 
The account was never late.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I didn't receive the XXXX bonus poin ts from Hilton promotional offer ( Amex Hilton Credit Card ). I met the spending requirements ( Spend $ 1k in 2 months ) on the first month of receiving the credit card. After calling Hilton, the operator stated I wasn't eligible for the promotional offer because I had a Hilton credit card before , which is not true. The operator then couldn't give an answer ( After talking to his supervisor ). 

I opened this account around the end of XXXX.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

I am again disputing my debt with XXXX. On or about XX/XX/2019 I received a new demand letter from another collection agency, this time Credence Resource Management LLC ( " CRM '' ). On or about XX/XX/2019 I requested validity of debt ( see attached ). On or about XX/XX/2019 I received a letter from CRM simply stating that the debt was valid. I called and spoke with a representative at CRM on XX/XX/2019, advising them that I had requested validity of debt, including but not limited to, invoices, contracts, copies of statements. When advising the representative of this, he only kept interrupting me advising me that I can pay a lower amount to settle. I continued to advise him that I had requested validity to prove the debt. He then kept trying to terminate the call. Please note, I have disputed this debt with another agency, reference # XXXX on or about XX/XX/2019. CRM will only validate the debt by saying 'it is valid '. I do not feel this is appropriate validity of debt pursuant to the FDCPA. I have not had XXXX in years, I have paid all balances when I closed my account.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Account # XXXX In 2014 I opened an account with Bank of America because my Bank in XXXX  had no location here in XXXX. 

About 5 days later Bank of America closed my account and accused me of Check Fraud. I have not been able to open an account in 4 years. 

I have been with my Bank - XXXX for over 35 years and have never did anything fraudulent nor have I ever wrote any bad checks. 

Bank of America accuses me of writing checks to myself in an account that had no funds. This is not true. The bank has clearly over reacted. 

I wrote a check to CASH ... this is a normal process when wanting cash to yourself vs another person. I overdrew the accout by approximately {$7.00} or so. It's been 4 years so I can't remember exactly. But when I realized it I immediately put that money right back in the bank account to cover it. But the bank was quickly to close the account and accuse me of fraud. 

The bank could have talked to me about this before they made such a drastic decision. When they close the account within 5 days the bank owed me money I did not owe them any money. The account was overdrawn by few dollars only for about a day before I made a deposit to cover those few dollars. 

We are talking no more than {$10.00} or less. I would think if I wanted to write fake checks I would write them for larger amount not just a few dollars. 

The situation has preventing me from getting an account anywhere for 4 years now. XXXX wants to charge me {$450.00} to clear the situation up. But I am not paying them that for something I didn't do. 

I would like Bank of America to remove the consumer report and clear my records so I am allowed to get a bank account. 

Bank of America contacted me but letter in 2014 after the Consumer Financial Protection Bureau contacted them. However, I was never able to connect to the person named on the letter - I just kept getting voicemail after voicemail so I never was able to reach out to speak to a person at Bank of America.