davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have filled a dispute with documentation to Equifax for two creditor still reporting balance on my credit report XXXX XXXX and XXXX XXXX XXXX. With documents that was provided credit report should be updated immediately not in 30 to 45 which I was told. This is unacceptable!!
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

i have a bank of america credit card account .i have never been late on my payments .my due date is the XXXX of each month.last month was the XXXX my bank was closed so i could not make the payment until the XXXX iwas charged a late fee of XXXX dollars.they told me that i had to pay the late fee no matter what
Consumer complaint received 2015-10-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commercial Trade, Inc. (CA)

For the last few years I have attempted to pay this debt and get more information. The debt amount is always different each time I call. The manager refuses to send me more information on this increasing amount of debt on my credit report. I made my last attempt to take care of these items on my credit report from the same debt collector. On XXXX/XXXX/XXXX at XXXX : I called and asked to speak to a manager. XXXX claimed to be the manager. I asked her for more information on this money that I owe of XXXX or XXXX. XXXX quoted " XXXX, '' and stated that she could not give me information. She stated I owed XXXX+ dollars and not the XXXX, XXXX dollar charges on my experian credit report. I told her that I want to take care of this but I ca n't pay XXXX dollars to Commercial Trade Bureau if I do n't know what its for! She told me she recalled me calling before and the answer is still the same that she ca n't give me any information on the account. She is rude and unprofessional when I asked for her last name she hung up on me! I got no information. I have been disputing this for the few years and it 's still on my credit report. The information is conflicting with the XXXX credit bureau, the commercial trade and what I have. This is suppose to fall off XXXX XXXX but now XXXX is stating that it was pushed back to XXXX XXXX. I ca n't get any information from the original holder at the clinic. XXXX mocked me and stated that she does n't care that " it will just stay on my credit report '' I have no Idea why I owe XXXX dollars to this company.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MD)

Application # XXXX My name is XXXX XXXX XXXX, I am the natural living women, I recently applied for a Credit card using Discovers Credit application and was shockingly denied... I am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) .. when you ran my credit by using my credit card ( XXXX XXXX ), as we entered a consumer credit transaction that I initiated pursuant with FECO ( Fair Equal Credit Opportunity ), specifically, 15 USC 1602 ( i ) ( VIOLATION 1 ). At this time my social security card was used as a credit card to fill out an application. THE XXXX ( which your company participates in ) states I as a natural person that was created by GOD can not be denied credit on application, I have clearly been discriminated against character at the time of my denial, which is in accordance with 12 CFR 100.2 ( c ) ( i ). ( VIOLATION2. ) I noticed I was denied credit however proof we entered a consumer Credit transaction is on my credit report listed as an " inquiry '' or request for truth or information congress clearly states under 12 CFR 100.2 ( m ) ( VIOLATION 3 ), that a CREDIT TRANSACTION, means every aspect of an applicant 's dealings with a creditor regarding an application for credit including INFORMATION REQUEST, which is the exact " inquiry '' I received on my consumer credit report, as well as the report that your company sent, confirming they ran my consumer credit report to search for information pertaining to my request of an credit card with Discover. The credit card you used to extend credit to yourself, and notI as a natural person, was my social security card as congress states under 12 CFR 100.2 ( k ) ( VIOLATION4 ) that credit card means ANY card or plate, such as my social security CARD, congress clearly defined what a credit card is pursuant to 12 CFR 100.2 ( k ) ( VIOLATION5 ). I was not approved for a credit card as requested, as the natural person. Lastly, Congress states Nocredit card shall be issued except in response to a request, or application thereof " pursuant to 15 USC 1641. At this time, it is unlawful, impartial, and unethical that your company has denied me as a natural person for a credit card when it is CLEARLY AGAINST THEFEDERAL LAW. It is unfortunate I had to go through this unnecessary stress of being denied of credit based on a credit application!!! I am now demanding reconsideration and exercising my rights as a federally protected consumer, to be approved for a credit card with your company, based on the information of the Federal Equal Credit Opportunity Act which is stated above, of a credit card of {$25000.00}.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Hello, I hope this note reaches you well. I recently have been trying to borrow credit for one of my four businesses. Though, I have a bankruptcy on my account which is false. I have been trying to have this removed for some time. It has been removed from 2 credit bureau 's but still on one,  Equifax. Therefore, I am unable to do my regular business transactions now. I'd really like to borrow money for my business and only have this single issue with my credit. I could borrow in the future since I'm a reliable borrower and pay back my debt. Though this negative remark on credit report hinders me doing business. I truly am a responsible person. I would really love the help in resolving this matter as soon as possible. Thank you. XXXX XXXX
Consumer complaint received 2022-07-20
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: BARCLAYS BANK DELAWARE (TX)

There is an account for Barclays showing opened in 2020 on my credit report. I have no knowledge of this account nor have I opened any accounts in 2020  on my credit. The next step will be filing a police report for fraudulent activity and identity theft if this can not be resolved
Consumer complaint received 2023-05-09
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. (CA)

On XXXX XXXX I received my inheritance money and used it to pay off all of my credit card debts in full. I did not accept any debt forgiveness or discounted payoffs for these accounts. I paid the full amounts including interest completely off. Where is the incentive to be a responsible adult and pay my debts off in full if my credit reports are still showing late payments for accounts that have been paid in full and closed for several months now? The accounts mentioned are as follows : XXXX XXXX XXXX  : {$2400.00} XXXX XXXX  : {$1500.00} XXXX XXXX XXXX  : {$1400.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX XXXX XXXX : {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX : {$480.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) Please update these comments to either paid as agreed closed or paid closed never late. Since I did pay all of the past due amounts in full, my responsible actions should be rewarded and reflected on my credit report giving me the second chance I worked so very hard for.
Consumer complaint received 2018-03-16
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: Clarity Services (AL)

On XX/XX/2018 a hard and soft pull was done on my XXXX  credit report by Clarity Services for XXXX XXXX. I did not solicit their services or the services of XXXX XXXX at this time and need to have this inquiry removed from my record
Consumer complaint received 2023-05-09
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 (DE)

On XX/XX/2023, I attempted a purchase and canceled the transaction before leaving XXXX XXXX in XXXX as I was not given a receipt since it was close to the store closing. The following morning on XX/XX/2023, I contacted via telephone the store, to inquire as to whether the store had cancelled the transaction. To my chagrin, the sales representative stated that the item was shipped to my address. I informed the sale representative that was not the conversation, I had with what seemed was another sales representative as I was assured that the transaction was canceled. 

Seeing that I had no physical record of the said purchase, I contacted Wellsfargo on XX/XX/2023 and informed them of the sales scam, XXXX was attempting to do with my card. Wellsfargo canceled and credited my account. Several weeks, passed by and on XX/XX/2023, XXXX, sent me a text message with a receipt stating that they are issuing a store credit. On XX/XX/2023 Wellsfargo reversed the transaction and placed the charges back on my card for an item, I never received.
Consumer complaint received 2020-09-10
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. (MD)

My wife has a XXXX XXXX XXXX through XXXX XXXX. I am a co-signer to this vehicle. My wife and I recently lost our jobs due to covid-19 and were receiving unemployment assistance. The unemployment check was late in the month of XXXX. It finally came on the last day of the due date, which was XX/XX/XXXX and we made the payment. XXXX XXXX said that they see it was made on the XXXX but didn't process until the XXXX. I have talked to half a dozen people at XXXX XXXX and they will not help by reporting this to the credit bureaus. I am a XXXX veteran and my wife was a XXXX XXXX  and have been loyal XXXX customers for years. We've never missed a payment and have always been on time yet they treat us like this. They've now ruined 2 people 's credit for the next 7 years because their system didn't process it until the next day. People still need help during the pandemic and XXXX fails to realize this. We all have to help each other out during these times and their approach to customer service is wrong. We will never buy another XXXX vehicle again unless XXXX fixes this.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX  XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XX/XX/XXXXXXXX - Account Number:XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number:XXXX
Consumer complaint received 2022-07-20
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. (CT)

XXXX and EXPERIAN are refusing to remove inaccurate accounts on my credit report!!! Please Help! 

XXXX did a PROPER investigation and found the following accounts are inaccurate and have deleted them from my credit profile... please see attached XXXX and EXPERIAN never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate across all three Bureaus. 

They stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal of ALL inaccurate items on my credit report Also the credit bureaus took more than 30 days to complete an investigation The accounts in Question that XXXX has deleted from my credit profile : XXXX XXXX XXXX. XXXX XXXX XXXXXXXX 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 2023-05-09
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: DISCOVER BANK (TX)

XXXX or Discover reported in accurate information on my credit report if they cant provide validation of the information reported it must be deleted or updated to positive payment history. I have not supplied proof under doctrine of estoppel by silence, Engelhardt v.Gravens 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist as late payment status.
Consumer complaint received 2024-03-06
Product: Credit 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: U.S. BANCORP (OH)

XXXX charges on my credit card I did not purchase. Card company said card was used but this is not possible as card was with me at all times and I was not near these places. I can get people to verify where I was an these dates. XXXXXXXX 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
Consumer complaint received 2022-07-20
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of 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 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 US SM BUS ADMIN ODA 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
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Miller and Steeno, P.C. (IL)

Miller and steno based in XXXX XXXX Missouri have been actively taking any debt with my or my wifes name, They have sued us and garnished our wages over a case, from 2017 never sent us a notice of debt being paid off and now are trying to collect the same debt alleging it was never paid, My wife works for a company that keeps records of her paycheck stubs, they were hoping we forgot and are trying to take close to XXXX more from us for a debt that has already paid. They were at one point calling us threatening that our credit scores would be harmed if we did not pay them.
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America Continues to report derogatory information to national credit reporting agencies after a year of disputing information that was considered identity theft and fraudulent transactions that where done in my name. after receiving documentation from local law enforcement, on XXXX XXXX 2015 member of bank of America fraud dept XXXX XXXX Supervisor after doing investigation ask and told all three national credit agencies to remove the information from off my consumer credit file. which was removed and placed back on my file two weeks later without any proper notice or warning of actions they intended on taking. which was a violation of fcra laws that protects against financial institution rescinding or placing fraudulent information on consumers protection files. On XXXX XXXX 2015 member of Bank of America Fraud dept By name Of XXXX XXXX discovered that bank of America never mailed out card or any corresponding documents that would had allowed me to opportunity to dispute the charges as well them never taking into account the police documentation that they received naming the people that had done the fraud. On XXXX XXXX 2015 Bank of America assigned the information to XXXX XXXX XXXX and associates which is a debt collection firm and sending me an order to cease and desist from calling bank of America about the account and that any thing i needed to discuss had to go thru XXXX XXXX based out of georgia which is a debt collection firm, Which representative by the name of XXXX XXXX XXXX alerted me that they where unable to remove the information from my consumer credit file and that i needed to speak with another third party collection company which whom they moved the debt to by the name of XXXX XXXX XXXX XXXX out of XXXX North Carolina. Which all are refusing to re-removed the debt under fair credit reporting Act As well Fair Credit Billing Act, North Carolina Fair debt Collections Practices Act. After Speaking with XXXX XXXX In the victim assistance unit for bank of America she refused to remove it even though knowingly she admitted that there were mistakes done on bank of America 's behalf and that she does n't have to speak with me and forwarded me back to the following collections agencies after having over 300 days to rectifiy the matter. Also there where no account statements sent to me. As they continued to report derogatory information in my name. And not doing a comprehensive investigation. Had took my rights away as a consumer to resolve this matter.
Consumer complaint received 2015-09-07
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: SYNCHRONY FINANCIAL (NC)

My wife and I have been called repeatedly by Lowe's/.Synchrony Bank by their XXXX call center. They stated we had not paid them since XXXX 2015. That is because our account has been paid off in full. The call center agent accused us of not paying our bills and even asked my wife, ( she is not the card holder ), if she paid her bills. I have spoken with XXXX of the call center reps when he threatened to turn us over to a collection agency. 
I would like to make other consumers aware that the Lowe 's Synchrony Bank demonstrates very poor business ethics.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

I received a letter dated XX/XX/2020 notifying me that Wells Fargo is closing my account. No explanation was provided for their decision. I have been a Wells Fargo customer in good standing for many years. My account has sufficient funds, it has never been overdrawn and there has never been suspicious activity of any kind on my account. Wells Fargo Customer Service is unable to provide a reason for the closure and tells me that nothing can be done to reverse the decision. I receive direct deposits from my employer to this account and have autopayments set up for all of my bills. I'll now be forced to spend endless hours transferring my deposits and bill payments to another bank. I'm extremely frustrated that I can't get an explanation, and am quite perturbed by this situation.