davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (MN)

I hope this letter finds you well, although I must express my deep disappointment with the continued presence of fraudulent items on my account despite our previous efforts to address this matter. 

As we have previously discussed, I have been a victim of fraudulent activity on my account. Despite providing all necessary documentation and cooperating fully with your team, it is disheartening to see that these fraudulent items have not been adequately addressed in the second attempt to rectify the situation. 

The recurrence of fraudulent items not only poses a significant threat to my financial security but also reflects poorly on the effectiveness of your organization 's security measures and protocols. Moreover, the prolonged resolution process has caused undue stress and inconvenience, as I continue to worry about the potential impact on my financial well-being and personal information. 

I urge you to prioritize this matter and take immediate and decisive action to rectify the situation once and for all. I expect a thorough investigation into the root cause of these recurring fraudulent items, along with concrete steps to prevent any future occurrences. Additionally, I demand clear communication regarding the progress of the resolution process and timely updates on any developments. 

Furthermore, I am seeking compensation for the inconvenience, stress, and potential financial losses incurred as a result of this ordeal. It is imperative that your organization takes responsibility for the lapses in security and provides adequate restitution for the harm caused. 

Please consider this letter as a formal complaint and escalation of the matter. I trust that you will prioritize this issue and take the necessary steps to address it promptly and effectively. Failure to do so will compel me to explore alternative avenues for recourse, including legal action and reporting to relevant regulatory authorities. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. I am asking for your assisstance to remove these fraud items in my credit file : 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 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 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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-11
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXXXXXX 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 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Consumer complaint received 2022-08-12
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2008 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX  XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00}
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

Since XX/XX/XXXX we were sold to Select Portfolio Servicing by XXXX XXXX. We had made every payment on time with XXXX XXXX through an auto debit program the company had. We were sold and never told until we got a phone call from the new loan company. We were told that there would be no issues with our payments as we requested they be taken out on the 1st of each month. It never happened even as we gave our info. They called us only after we were considered " late ''. This continued over the last year with very harassing phone calls threatening with " Further Action ''. We were able to get assistance from XXXX XXXX XXXX to get us up to date. It was a grant getting us caught up. We called SPS and gave a principle payment to reduce the mortgage balance which was larger and had not seen a drop in the principle in some time ' after 14 years we now owed as much as we had in XXXX which was XXXX. 
This evening XX/XX/XXXX we got a call from these people stating that we had indeed missed a payment. " What? '' I said. After some going back and forth the woman on the phone admitted that indeed we had indeed made our payments up until the current month. It was XXXX payment due. I said, '' Well I can't go to the bank to make anything Its election day and they are closed ''. The month started on a Saturday and They are harassing me over a payment only due now? We feel as though this is a trend and the harrassing calls will continue. We are going to sell this house to get rid of these people. We want them to stop this behavior and we want to find out how our mortgage got bigger. We want them to cease the threats.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I use XXXX XXXX  for all my banking. 
Over the summer my mortgage payment with Bank of America was lowered. 
I went into the bill pay section to set up the new amount of {$3500.00} to be paid to BOA but instead of choosing my mortgage account I chose the BOA account just above it which is a closed credit card account. 
I discovered this error after 5 payment of # XXXX were sent to BOA from XXXX. 
I've called BOA about 20 times but keep getting told they have no account matching my Credit card number. 
I filed a dispute with XXXX but because I sent the payments they have forwarded to to their ACH dept whom have had this issue now 2 weeks and so far nothing. I have the dates, debit tracer # 's and Confirmation # 's for each of the 5- {$3500.00} payments but no one can find my money. 
( I have a mortgage and a car load with BOA and neither account haws been credited those payments ) Please help me recover my {$17000.00}?
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  XXXX This company is reporting DIFFERENT DATES OF LAST ACTIVITY. 

XXXX XXXX XXXX This company is also reporting DIFFERENT DATES OF LAST ACTIVITY.
Consumer complaint received 2021-04-02
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. (SC)

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account XXXX Account Name : XX/XX/XXXX Account XXXX Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Equifax security breach. Will not allow site action, e-mail or phone response. No way to contact! All systems will not complete request for new freeze a family member or allow access to see if effect by breach. Equifax needs to be shut down by government action immediately to prevent any credit actions on all accounts, thus preventing any one getting ID stolen!!
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (CA)

Discover offered me a {$45.00} statement credit for purchasing a XXXXXX/XX/XXXX membership. I followed the terms and condition. They refuse to issue me credit saying that I can not cancel the membership. I canceled because there was issue with my membership. The terms and condition does not say I can not cancel for a valid reason. When I contacted, they throw new conditions at me to refuse the credit.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CA)

I recently got an alert from XXXX on the XX/XX/XXXX that MONEYLION flagged my account or marked as charged off with this particular loan account which I hav never took out. The date of the said loan was on XX/XX/XXXX. The loan was cancelled already. I cancelled immediately when I applied for that. The customer service on chat even confirmed me that indeed the loan was cancelled l. It shows a balance if {$150.00}. I filed a dispute already but according to their credit report dispute department the credit report was accurate. It doesn't make any since there was actually no existing loan and it has been voided. It lowered my credit score for more than 25 points. I filed a dispute from XXXX as well.
Consumer complaint received 2021-07-04
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 (GA)

Capital One Auto FInance has inquired on my credit report several times and was asked to remove the several inquiries and to this date XX/XX/XXXX have not removed the inquries this has caused me several problems with obtaining credit as well as bringing my score down to a very loanscorer. These are the dates of the inquiries XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX had no permisson to inquire on my credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I also Contacted all of credit bureau to attempt to remove the debt and have not received results as of XX/XX/XXXX.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NM)

On XX/XX/XXXX I sent a letter to this credit bureau to dispute an incorrect address they are reporting. I have sent enough proof that the address they're reporting needs to be corrected and updated to what I've sent them. Since then I received credit reports in the mail that are showing the correct address and the incorrect address. They once had the correct address on their report on XX/XX/XXXX but they changed it back to the incorrect address on a new report on XX/XX/XXXX. This credit bureau is in violation of FCRA Section 623 and CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. This is damaging towards identifying myself, obtaining future credit and is causing me distress.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

American Express sent my account to collections after only being last 20 days on a payment. They did NOT call, email, or send me mail even notifying me I was late. And yes they have all of my info. Also, they claim they ca n't tell me why it was sent to collection, stating the third party is handling the account. The collection company they referred me to could n't tell me either. My statements all show current on my payments, and I in fact just paid this account off. Now it will show collections on my credit report when I did nothing wrong, and AMEX did n't even notify me there was problem. I will be filing a law suit pending the outcome of this. 

XXXX
Consumer complaint received 2021-09-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am filing the complaint against Equifax, XXXX, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2017-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

To Whom It May Concern : I am writing this email to detail my unfortunate incident with your bank. I had an active checking account with your bank for about 3.5 years until XX/XX/XXXX. My account was used to directly deposit my paycheck. I received an email from Wells Fargo on XX/XX/XXXX that stated that my account had been closed due to inactivity. There was never any warning or correspondence with me prior to this happening, so it was a total shock and surprise. To further complicate matters, I was to be paid from my job on XX/XX/XXXX via direct deposit. I did visit the local branch to investigate further and was treated with a great deal of indifference. I was told that the closing of my account was due to inactivity during the month of XXXX and a XXXX cent overdraft. I explained that I am a XXXX XXXX and that there is always very little activity on my account in late XX/XX/XXXX and XX/XX/XXXX because we do not get paid in the summer.
My paycheck is now floating in cyberspace because of your bank 's actions. I am completely dissatisfied with Wells Fargo and will never again do business with you. I was treated in such a disrespectful manner and there seemed to be no recourse for the problem of closing a customer 's account without prior notification. If there is any legal recourse, I will definitely consider using it.
Consumer complaint received 2017-12-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: American Credit Financial (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, I got an Pay Day Loan at XXXX XXXX, I ended up in the hospital, and I was not able to pay my balance, of XXXX. I received an phone call stated that if I do n't pay {$300.00} I will be getting arrested, and have to pay court fees. 

The company name that called me said they are working for XXXX XXXX, was collection, American Credit Financial XXXX. XXXX XXXX, XXXX, GA. XXXX XXXX Office Phone Number, and Fax Number : XXXX. 

Once the money was paid, I did not get an paid in full receipt, and when I called back to XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 
Company Phone ( XXXX ) XXXX. 

XXXX XXXX does not have an account number showing that this account was paid in full. When I called to confirm payment, the person answering the phone kept hanging up the phone on me. 
It 's not showing on my credit report that it 's paid. After I made payment with pre-credit card XXXX last 4 numbers on credit card. payment XXXX. 
The payment was done over the phone, they refused to take payment by mail. 

I paid with pre-paid credit card, and I did not receive an statement to show that this money was paid to XXXX XXXX for Pay Day Loan. 

I request assistance in resolving this matter.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During XXXX and XX/XX/XXXX, and XX/XX/XXXX, I attempted to pay on a negotiated debt settlement with Bank of America through a checking account at XXXX XXXX. I was told by Bank of America that XXXX times it attempted to acquire the funds via an XXXX debit, which was a fabrication, as XXXX replied that BofA used electronic checks with me as signatory to request payment, which XXXX does not honor. After speaking to a litany of BofA employees over a period of approximately XXXX weeks, who relayed false information, at the suggestion of a XXXX worker I moved the funds to another checking account to avoid future problems, then informed BofA of the change, requesting payment come from that account. For the fourth time BofA charged the original account in the same way, electronic check, while insisting it was an XXXX transfer, and once more, the attempt was rejected. Neither Bank of America or XXXX informed me these actions occurred, resulting in a long delay of my knowledge of them with attempts to rectify the situation to no avail. It resulted in a pattern of contact with both banks, even once a XXXX way call in which XXXX dept employees of both banks blamed each other for the problem. They left me, as the customer, at an impasse and with no recourse.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NM)

I sent American Express ample evidence that I lived outside the United States during a period when my identity was stolen. Their response was to put a delinquent account remark on my credit reports. This is an extremely unpleasant company. It's like the toxic people at AMEX are double victimizing me by punishing me for having my identity stolen. They are expletives.
Consumer complaint received 2021-04-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Called in XX/XX/2020 or before and ask them to quit calling home phone ( XXXX ) and cell phone ( XXXX ) and person said she would remove numbers from the list. I have no debts due.
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

I went through my credit bureau to dispute these claims because I have not been to the doctor in over a year now and should not have any recent medical bills but the company is insisting this is my bill with no proof of a visit ever occuring to help explain why they would think this was me or which doctor or hospital is requesting that the debt be collected.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.