davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
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: Navient Solutions, LLC. (NV)

Due to the Pandemic and a death to someone who who was tied to the account my account fell into the late payment category. FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. : states that no late payments should be reported i have already attempted a goodwill letter explaining what happened I even payed all the accounts up to date. I think this is totally unfair i had a death to my immediate family that was tied to that account and fell late due to not only financial hardships, taking care of the funeral expenses and even dealing with XXXX due to her death. Here is the information for the accounts Account Name NAVIENT Account number XXXX Reported Late : XX/XX/2021, XX/XX/2021, XX/XX/2021 Account Name : NAVIENT - Account Number : XXXX Reported Late : XX/XX/2021, XX/XX/2021, XX/XX/2021 By law the late payments should be removed from these accounts
Consumer complaint received 2022-08-23
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681.And they violated my rights numerous times.

I demand the account listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish this account. XXXX XXXX XXXXXXXX Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 
There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Incomm Holdings Inc. (ID)

I made a purchase of {$120.00} with a vanilla pre-paid card on the website XXXX XXXX  XXXX on XX/XX/21. I did receive a confirmation email of the purchase. The next day I realized that they charged my card {$120.00}, almost the full amount of the card. I tried contacting the company by phone, email, and messenger. The phone numbers are disconnected, and no response has been given by email or messenger. I then called vanilla card company and requested they stop the pending charge. They refused this request and told me to call back after XX/XX/21 when the charge was finalized to dispute the amount. When I called back on XX/XX/21 I was told that it was impossible to dispute the amount, and I must have agreed to the charged amount. I was told that it sounds impossible I was charged more than what I agreed to. When I asked to speak to someone else, I was put on hold for over 10 minutes and then I was hung up on.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (TN)

There seems to be an error on my consumer report furnished by XXXX  XXXX and XXXX XXXX On my consumer report, there is a late payment reported and a fraudulent account which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX and XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX and XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX and XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TN)

Conns furniture is not MY account but continue to report accurate I DONT HAVE NO ACCOUNT WITH CONNS THEY STATED THAT I OWED THEM XXXX XXXX THEY STATED THAT I OPENED A ACCOUNT WITH THEM IN 2018 NEGATIVE I DONT KNOW ANYTHING ABOUT THIS ACCOUNT I MOVED FROM THE ADDRESS STATED IN 2018 BUT THE NEW TENANT STOLE MY IDENTITY INFORMATION CONNS APPLIANCES ALLOW SOMEONE ELSE TO DESTROY MY CREDIT AND GET MERCHANDISE IN MY NAME THATS FRAUD PLEASE REMOVE THEM FROM MY CREDIT REPORT I HAVE FILED AND PROOF OF A POLICE REPORT FOR THIS ACCOUNT THAT DO NIT BELONG TO ME.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

A mediator from a legal complaint department ph # XXXX states my husband opened an account with HSDC for a {$500.00} limit Platinum Mastercard in XX/XX/XXXX and made payments up until XXXX of XXXX. She stated notuces were sent to our address that we never received. My husband has never owned a Platinum Mastercard. She had his name, job description, address, and social security number and claims we are being sued.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF THE WEST (NM)

I XXXX XXXX have been banking with bank of the west for almost a year now from the beganing I have been treated poorly and never getting to have things explained to me from checks bouncing paying them within the five days and still having collection agencys contact me about unpaid debits after all of this that bank closed my account for getting upset for getting into my account without permission or me giving them my account number I don't know how they did that after get mad they told me I didn't have any money in my account witch was a lie I had XXXX dollars after they told me I did have money in my account when they said I didn't they made me withdrawal my money and closed my account I was getting a settlement soon to be deposited into my account now I can't find it I don't have a bank account for reasons that could be avoided and money that was unsafe taken from me and also almost losing my life for please help me resolve this matter XXXX XXXX
Consumer complaint received 2021-09-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Trying to refinance with a 3rd party mortgage ( XXXX XXXX  ). Wells Fargo Home Equity ( WFHE ) has denied 3rd party mortgage payoff request 4 times claiming my home address does not match their records. XX/XX/XXXX initiated 3 way conference call with myself, 3 party mortgage, and WFHE. Account number, primary address, original loan amount, and current loan balance were verified by all parties. Wells Fargo Rep even provided 3rd party with an email address to send request for payoff. XX/XX/XXXX XXXX party mortgage called and informed me WFHE had once again denied request for payoff via email stating my home address does not match their records. 

XX/XX/XXXX made an in person visit to Wells Fargo branch to request a mortgage payoff. WF Banker placed a call to WFHE to get clarification. Banker informed me WFHE had no record of any request for a payoff from a 3rd party mortgage company. WFHE could only provide a verbal payoff but no official. Puzzled why not since we are in the 21st century. WFHE said I must call and request a payoff which will take 7-10 business days to process and mail via US Mail . Do not understand why such information could not be emailed to me? Banker asked why I using a 3rd party mortgage and not WF since I have been a customer since XXXX? I refused to answer as this was personal & private. Banker further stated I should use WF.

At this point it is very clear that I am being held financially hostage by Wells Fargo as they are unwilling to provide the payoff information requested. 

XX/XX/XXXX made a call to WFHE to request a payoff letter. The WF rep stated processing would take 7-10 business days but would not be valid for a mortgage payoff. 3rd party would need to request a payoff directly from WF. Tried to explained the problem has been WF and denied receiving any request from 3rd party. However, same rep confirmed notification in my records of a call with WFHE, myself and 3rd party on XXXX/XXXX/XXXX. I officially request a payoff from WFHE.

Clearly I am financially being held hostage as WF is denying receipt of payoff requests, plus giving me the runaround as to why my request would take 7-10 business day to process and mail. This sounds similar to the incidents years ago when WF Bankers opened accounts for customers who did not make requests. WF paid some major fines.
Consumer complaint received 2021-07-28
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. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2022-08-12
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. (CA)

I sent a letter addressed to the Credit Bureaus last XX/XX/XXXX requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to responf and yet they have sent me nothing. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$270.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX
Consumer complaint received 2019-06-12
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: EQUIFAX, INC. (FL)

I have faxed emailed and had a telephone conversation with the Equifax Fraud department since I was a victim of the security breach and a victim of identity fact. Unfortunately each time since XX/XX/2018 Equifax refuses to block the fraudulent items after I have sent identity theft.gov police report and basically every piece of information theyve asked for. Equifax being the cause of my personal security being breached should have accountability and hold accountability to blocking fraudulent items and they refused to.
Consumer complaint received 2022-08-12
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  account XXXX XXXX XXXX, XXXX XXXX, XXXX DEPT OF EDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions
Consumer complaint received 2020-09-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.
Consumer complaint received 2022-08-12
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Attorney General of XXXX  I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX Account Number : XXXX XXXX 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 an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-06-12
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. (AL)

I filed a dispute regarding the inaccurate bankruptcy records on my credit report. XXXX responded with a letter confirming they were unable to complete the reinvestigation within the required timeframe and as a result deleted bankruptcy XXXX. The original dispute involved both bankruptcies listed on my credit report and both should have been removed. My case was withdrawn and I did not go to court. I have submitted proof previously. Please reference the following FCRA requirement : ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

In accordance with your failure to complete the reinvestigation in the required timeframe both bankruptcies should be removed.
Consumer complaint received 2022-09-30
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. (PA)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-07-28
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. (LA)

On XX/XX/2021, I 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 I'm 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 promptly. I demand these accounts be deleted immediately and updated or i will file for litigation 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.
Consumer complaint received 2021-11-30
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the removable of the erroneous information about my accounts has been diligently neglected by Equifax Credit Bureau. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response from them up to this date. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continuously reporting on my Credit Report. Here are the concerned accounts : -- -- -- -- -Chargeoff XXXX  XXXX {$0.00} -- -- -- -- -- Late Closed XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX
Consumer complaint received 2021-07-28
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: JPMORGAN CHASE & CO. (FL)

I am a XXXX year old retired female who does not have an account with XXXX and a series of charges totaling over {$600.00} from XXXX appeared in my Credit Card with Chase. 

I contacted XXXX to report the issue and since I do not have an account with them, they were unable to release any information about the charges even though my credit card was the one charged. XXXX advice me to contact Chase. 

During the period of the investigation, all of the charges were credited back, and after about 30 days I called customer service to ask if said credits were final ; they told me yes, not to worry. Then, the next billing statement came and all disputed charges were added back. later I received a letter stating that the investigation concluded that all charges were valid.