davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK (NY)

EAST WEST BANK returned two 'so-called ' recalls ( around XXXX USD ) without informing us, also without checking our clear evidence shows the 'recall ' were invalid ( payer took a selfie with a clear statement can easily prove the payers lied to their banks )., which has caused us huge loss. 

Meanwhile, EAST WEST BANK said was going to return the rest of XXXX USD ( regardless we have submitted evidence from each payer 's photo selfie, which shows the payment was legit ). 

If a bank can return a payment like this, how can we trust the bank anymore? How can we guarantee the money in our account balance is belong to us?
Consumer complaint received 2022-04-28
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. (NV)

Your company provided the following information on my credit report and want it removed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-21
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. (NJ)

On XXXX XXXX Equifax added a collection account XXXX XXXX XXXX which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately. 
In Addition they have violated the Fair Debt Collection Practices Act as well.
Consumer complaint received 2018-07-01
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. (TX)

IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.

I HAVE HAD AN ON GOING ISSUE WITH EQUIFAX NOT DELETING ITEMS OFF MY REPORT ONCE THEY SAY THEY ARE GOING TO THE DELETE THEM AND THEN THERE STILL CURRENTLY REPORTING ON MY CREDIT REPORT. THIS IS HIGHLY UPSETTING ME AND I DONT KNOW WHERE TO TUEN BUT TO YOU GUYS FOR HELP. MY CURRENT ISSUE IS THAT THEY ARE REPORTING A XXXX STUDENT LOAN ACCOUNT THATS NOT EVEN MINES. I HAVE NOT DONE BUSINESS WITH XXXX NOR HAVE I HAD A LOAN WITH THEM AND EQUIFAX REFUSES TO REMOVE THE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT WHICH IS REALLY HENDERING ME IN A NEGATIVE MANNER. I'VE SENT IN CERTIFIED DISPUTE LETTERS TIME AND TIME AGAIN WITH NO REPSONSE AND OR ANY MAILED BACK RESPONSE UPDATED CREDIT REPORTS INDICATING MY RESULTS.
Consumer complaint received 2021-10-21
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. (VA)

Experian credit bureau informed me that they utilize XXXX to acquire or confirm debt. I contacted XXXX to get verification of debt that was placed in my account and they sent me a letter of them deleting the unverified debt from my profile. I sent the letter to Experian to show that the services they utilized to originally put the unverified debt into my Experian account was deleted and to reinvestigate. They told me they went through XXXX and confirmed. Thats untrue because XXXX deleted the debt from my account. I asked Experian how they could verify information and with who. They stayed unknown third party verified. They are not verifying information in my credit report. And they wont tell me how exactly they are verifying that everything is true.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The company has showed me proof the account is OPEN BUT continues to report the account closed on my Trans Union and XXXX reports for the last 6 months or more. 
The XXXX credit report has been corrected to show the account as open. This complaint is to the credit agencies to update the account status as OPEN. I did not request for this account to be closed. that's why its still open. Proof attached. this effects my credit utilization and overall score.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (TN)

I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (AZ)

Loan officer XXXX XXXX, XXXX # XXXX, instigated a loan application with Loan Depot on XX/XX/XXXX, loan number XXXX. We did not request a new loan. We already have a loan with Loan Depot and are satisfied with the 2.75 % rate. I did not respond to the loan application. On XX/XX/XXXX we received a notice that our application for a loan was refused. It was titled an " Adverse Action Notification ''. In the notification it said the reason that our application was turned down was because of our credit rating of XXXX. Remember that we didn't apply for a loan. Today, XX/XX/XXXX, our credit rating is XXXX. Its obvious that because of this so called loan application refusal our credit rating has been severely damaged. Also, in the future, if we find it necessary to apply for a loan we will have to answer that we have been refused a prior loan application. I believe XXXX XXXX saw a prior request from XXXX asking for information about mortgage rates. That prior interest was dropped because the cost to refi was too high. I believe he was fishing and when he received no response we received the Adverse Action Notification that has permanently damaged our credit rating and our potential for obtaining a mortgage in the future. I believe XXXX XXXX 's actions were completely un-ethical. Also the Adverse Action Notification should be removed from our financial history and our credit history should be returned to it's deserved rating. XXXX XXXX, at the least, should be reprimanded and be put on watch to be sure he doesn't scam another person. 
XXXX XXXX XXXX
Consumer complaint received 2020-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNT BECAUSE THEY ARE DO TO A DATA BREACH WHICH MY INFO WAS EXPOSED.
Consumer complaint received 2021-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (FL)

I opened this loan on XX/XX/XXXX. The payments were high and the interest rate was astronomical. When the pandemic hit I tried to get a reduced interest rate, but to no avail. This loan is illegal in the State of Florida where I live. The last payment I made was on XX/XX/XXXX. This predatory loan should be erased from my credit report. It shows as a bad debt when in fact they are an illegal company charging almost 200 % interest and a 5 % loan origination fee. I want the entire debt erased and all information about this loan removed from my credit report as soon as possible.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo has committed fraud again against the XXXX XXXX communities. I called Wells Fargo to close my account and to send me a confirmation regarding that closure. However, I spoke to numerous management and employees with no recourse. 

The Executive Team at Wells Fargo do not want to close my account, but to collect the interest by keeping it open. I requested a copy of the Deposit and Closure policy, which they failed to provide to me and have been given the run-around. I would like the following Executive management and employees to be investigated for fraud and failing to close accounts in a timely manner. There names are the following : 1. XXXX XXXX, Wells Fargo Executive Office 2. XXXX XXXX, Wells Fargo Executive Office 3. XXXX, Wells Fargo Executive Office 4. XXXX XXXX, Wells Fargo Executive Office 5. XXXX XXXX, Escalated Service Banker 6. Mr. XXXX, Wells Fargo Executive Office They are committing fraud and numerous violations by not providing confirmations for closed accounts, but keeping the accounts open for their personal and financial gain. I have spoken to more than 15 employees at Wells Fargo to get a copy of the closed checking account.
Consumer complaint received 2021-10-21
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. (MN)

I've sent three letter about inaccurate information on my credit report and them having information without my DIRECT CONSENT! They're not verifying any information and violating my consumer rights! 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

This is not a regular dispute. Take action immediately you are in violation. 
Despite two written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
15 USC 1692C ( a ) I didnt give my direct consent for Equifax ( privately held company ) to furnish information or obtain my social security, DOB , or address on the accounts referenced below. Under federal laws, this is identity theft.
Consumer complaint received 2022-11-16
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. (TX)

See attached. Equifax is deliberately enabling Identity Fraud. It is required to remove and block items on my credit report within 4 days once it has notice of identity theft with an FTC report and it has failed to remove the items. I am once again attaching the ID Theft Report as evidence for any future proceedings.
Consumer complaint received 2024-02-26
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. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (VA)

XXXX XX/XX/2023, I sent two certified mails to Convergent Outsourcing INC requesting a debt validation in regards of Debt {$200.00} reported to XXXX, XXXX, and XXXX. Prior to this I have never spoken to a XXXX from this company. 
As of XXXX XXXX, I have yet received my debt validation letter from this company. I have disputes this account several times. XXXX removed and XXXX has remove this account off my account but XXXX stated the company provided proof I owe them debt. 

Which I find hard to believe because I have not received a debt validation letter. 

This company is reporting this debt as a loan on my credit report and I never agreed to loan. 

When I called the company from my cell phone, it automatic transfer me to department without me stating my reason for calling. I was calling to verified their address prior to sending the certified mail and the lady kept trying to get me to update my account information. Which is weird because I don't have account with this company.
Consumer complaint received 2021-12-08
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. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My bank of America EDD prepaid account was compromised. Someone stole my card information and used it to withdraw {$800.00} from my account on XX/XX/2021 at around XXXX at a Bank of America at XXXX XXXX XXXX I called Bank of America to resolve this quickly. However, they appear to have no interest in providing temporary credit or any sort of resolution. My claim number is # XXXX
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX AND XXXX OF 2020 MY COMPUTER WAS HACKED AND THEY USED CREDIT CARD WHICH WAS ON XXXX AND BOUGHT XXXX DOLLARS WORTH OF XXXXXXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX.THE ONLY WAY MY WIFE COULD GET IT STOP WAS TO CLOSE XXXX ACCOUNT AND KNOW THEY WON'T HELP BECAUSE THEY SAID WE CLOSED OUR XXXX ACOOUNT AND I HAVE BEEN DEALING WITH THE CREDIT CARD COMPANY SINCE XX/XX/2020 FILING FRAUD ON IT AND THEY KEEP TELLING ME THAT IT WAS MY XXXX ADRESS AND KEEP TELLING THEM WHAT DO THEY EXPECT BECAUSE THEY HACKED MY COMPUTER FROM HOME.
Consumer complaint received 2021-05-31
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: Experian Information Solutions Inc. (NY)

XXXX XXXX charged Off my XXXX XXXX XXXX  account after it was paid. How can a credit card be charged off if it's paid. This is fraudulent and discriminatory action towards my financial status. This account is paid. 
During the beginning of the pandemic I paid this card off while XXXX the XXXX XXXX XXXX XXXX. I will be false to seek legal assistance if this is not deleted from my credit profile on XXXX XXXX and Experian.
Consumer complaint received 2021-10-21
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: Resurgent Capital Services L.P. (NJ)

On XXXX XXXX XXXX added a collection account LVNV FUNDING LLC which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
LVNV FUNDING LLC never gave XXXX any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately.

In Addition they have violated the Fair Debt Collection Practices Act as well.
Consumer complaint received 2020-09-09
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: Bread Financial Holdings, Inc. (VA)

I have had a confirmed fraud case on my credit account with XXXX XXXX XXXX. I have submitted a claim previously with all three credit bureaus. XXXX has removed all inquires that were due to fraud as well as placed a fraud alert on my account. I have multiple credit inquires that are on my credit with the other bureaus that were not authorized by me. Please delete the inquires and place a fraud alert. The XXXX  XXXX XXXX XXXX and XXXX  were authorized by me.
Consumer complaint received 2021-10-21
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: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I hired XXXX  ( an heating and air company ) to inspect my two HVAC systems. The service charge was {$78.00} for the inspection. Their technician indicated that I also needed a new fan motor which was an additional {$500.00} charge. I never received the motor or service although I did follow up with this company to find out why. The last response that I received was that they were checking with their parts department, but I was never re-contacted. Based upon this failure, I contacted my Credit Card Issuer ( Well FARGO BANK ), and requested a dispute .be placed against this merchant for the {$500.00} charge. I further stated that the {$78.00} part of the charge was appropriate. I was told by the WFB employee that the charge was being put on hold pending resolution ( CC. # ending in XXXX ). 
I received my next billing statement in XXXX, XXXX indicating that the bank had switch the credited amount from {$500.00} to {$78.00}, and that I owed a balance of {$420.00}. After speaking with a manager in WF Credit Card Dept, I sent documentations to them ( ( dispute file # XXXX ). The manager stated that in any transaction, that only one disputed was allowed. He further indicated that XXXX  had not responded to their initial inquiry. In my letter to WFB 's CC Dept sent 0n XX/XX/XXXX, I included XXXX invoice ; the previous CC statement showing my withholding of {$500.00} ; and a copy of the charge showing a balance of $ XXXX also pointed out that their voice prompt indicates that calls to their department are recorded and a review will show that their employee mistakenly switch the disputed amount.. As of this date they are still showing a balance on my most recent statement. The Bank has not re-contacted me over the past month about this matter.
Consumer complaint received 2024-02-29
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. (GA)

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.