davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-29
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. (CA)

XXXX XXXX in XXXX XXXX talked to them that I was laid off from work needed so time to pay. They supposedly put in a problem for XXXX months so I can pay off the card. That is why I late for those XXXX months. Since then I paid everything in time. My calls into XXXX XXXX was recorded would like to go back and hear that conversation. 

XXXX XXXX also mention they would send documents over the mail never received them and my address on file was correct never change it. XXXX XXXX XXXX
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (CA)

I have submitted disputes to you and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you in advance.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I found in my Equifax credit report my personal information a wrong date of birth. In credit report they have XXXX XXXX XXXX as my date of birth which is inaccurate. My correct date of birth is XXXX XXXX XXXX ( XXXX/XXXX/XXXX ). I want this to be updated as soon as possible. thank you.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

I was in a motor vehicle accident on XX/XX/XXXX Part of the ambulance bill ( XXXX ) was not covered by insurance and was sent to collection prior to me being notified that there was a balance due. 
Wakefield & Associates sent me a bill dated XX/XX/XXXX for {$500.00} Payment was made in full on XX/XX/XXXX which was processed on my spouses credit card and shows as paid. 
In XXXX I noticed the collection on my credit report when my credit score dropped. 
I contacted W & A on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX all of which I was notified that they are going to escalate the matter to a supervisor which has not happened. I have offered to send all my documentation showing that the debt was paid in XXXX and that my credit score is dropping due to this mistake. The company has made no effort to correct their error which is negatively affecting me.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed in which I am requesting that my credit report is reporting only accurate information and it is currently not reporting accurately. There are names and addresss and date of birth and employers that is all reporting inaccurately.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (VA)

On XXXX XXXX, XXXX I sent Wells Fargo Dealer Services a letter requesting validation of a trade line that is appearing on my credit ... The trade line has yet to been verified as well as it is reporting incorrect information ... On XXXX there is no responsibility listed, No date of last payment, No estimated removal date, Missing account history, date payment received and scheduled payment ... There is also no actual amount paid listed nor the first date of delinquent payment ... Lastly it has yet to be put in dispute which is direct violation of the FCRA stating that all debt must be validated within 30 days or it has to be removed .... On XXXX it 's Missing the original creditor, the balance is missing, missing monthly payment, missing past due amount, as well as the high balance is missing..
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX av XXXX XXXX.
Consumer complaint received 2020-05-03
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: CITIBANK, N.A. (MD)

In XX/XX/XXXX, I worked for XXXX XXXX : XXXX as a ( XXXX XXXX XXXX ) My job was to XXXX XXXX from XXXX  and XXXX  them XXXX XXXX XXXX. My purchases with XXXX FOR {$3600.00} was cleared with Citibank account # XXXX for payment in XXXX but, XX/XX/XXXX the company account came back Fraudulent in I got the bill. Same happened with my XXXX XXXX Credit Card for {$940.00}, XXXX Credit Card for XXXX. Everything went fraudulent after being cleared for payment in XX/XX/XXXX. Basically XXXX was fraudulent and I stopped working for them in XXXX.
Consumer complaint received 2024-02-05
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. (OR)

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 {$1100.00} The information is incorrect identity was stolen I request documents that has my id with my face showing its my account and used my ID to get this account this is illegal debt parking under the fair debt collection practice act and passive debt collection. 
This was disputed after taking off as it do not belong to me nor did I ever have account. They waited month or two and added it back to my account I after put in a complaint with CFPB about this and while waiting for response this account keeps going up higher and higher dollar amount. Its now been over a year decided to do another complaint as again it is not mines and do not belong to me and shouldnt be forced to pay for something that isnt mines and a company that cant prove its mines only have my name however I also made police report and sent it in to CFPB. This is account that do not belong to me. Please dispute, delete this account from my credit, all bureaus not fair and against the law to share information and buy peoples information after demand payment
Consumer complaint received 2024-02-05
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2017-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have repeatedly contacted Wells Fargo regarding how they process mortgage payments. Each time they receive a payment their system automatically charges a full months interest - irrespective of the number of days elapsed since the last payment. In many instances, I have made payments more frequently than required under the mortgage. In some cases with fewer than XXXX weeks between payments. With each payment be charged a full month 's interest, the end result is that I have been charged the equivalent of XXXX months ' worth of interest in XXXX month. 

While I suspect that this is an unintentional systems design error, Wells Fargo refuses to correct the situation. Their most recent letter dated XXXX XXXX, XXXX indicates that this is their standard practice and in accordance with the terms of my mortgage note, which they attached. In reality it is both unfair and resulting in my account being charged substantially more interest than is required under the mortgage note. 

In addition to my own experience, I am sure there are other borrowers who have made similar frequent payments and unknowingly been charged more interest. In fact, Wells Fargo 's own mortgage website encourages borrowers to make twice monthly payments or exceptional XXXX time payments to reduce interest charges. In reality, the end result is that Wells Fargo will actually charge more interest rather than less. 

Aside from my direct contact with the XXXX XXXX and XXXX XXXX which has resulted in no change to this unfair practice, I have also emailed both Wells Fargo 's Investor Relations team and XXXX XXXX XXXX. I have not received a response to either of these emails.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I have an account on my credit file from XXXX XXXX XXXXXXXX. This account isnt mine and under the FDCPA this a violation of my rites.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX My husband and I requested our credit reports and to have our credit blocked due to the XXXX breach. XXXX completed everything for us online including confirmation of our credit block. Online and phone options were unavailable for XXXX and Experian so we sent signed letters with ss and dl copies via mail per their requirements. We both received our credit reports on XX/XX/XXXX but no confirmation of the block the letter was like they were trying to talk us out of blocking our credit.
Consumer complaint received 2017-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I was made aware in XXXX that there was transactions being made that I was unaware of and never authorized. This has continued to happen and become increasingly more frequent as well as the amounts being transferred. The common source of these payments are all from online gambling or casino sites and transfered from the same account. I tried addressing it with PayPal with NO RESOLUTION!! I have been scammed out THOUSANDS of dollars across multiple accounts. I can't get this to stop! I have made police reports and filed every possible form I know to do.
Consumer complaint received 2024-02-05
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. (NJ)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.

Who is going to govern these agencies?

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.

XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2017-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (AZ)

XXXX XXXX XXXX violated the FCRA, by not notifying me they were furnishing derogatory information to XXXX, XXXX and XXXX. XXXX XXXX XXXX is required to notify me prior to, or no later XXXX days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishing of information was going to take place. This is required under the FCRA, section XXXX, subsection ( XXXX ) ( A ).
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This issue started back in XX/XX/year>. I was looking at my report and noticed there were some things that was not correct. I sent tons of letters to the credit bureaus. I asked them to investigate the completeness and accuracy. I haven't received the results and noticed they did not fix nothing. There are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that either.

They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me. I'm only trying to do the right thing so that I can be ale to get a house for my family because I'm homeless, These items on my credit file is hurting my credit and its preventing me from getting anything. Will you guys please fix it?
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, JP Chase bank sent me a mail notifying that they would close all my credit card and checking accounts on XX/XX/XXXX. Until XX/XX/XXXX I did not believe that was happening. I have had checking and credit card with Chase over 10 years. In XX/XX/XXXX I even refinanced my mortgage with them. I have never failed to make payments either to my credit card or mortgage ( even when I was out of work in XXXX ). This came as a shock to me, as I have always been diligent with my finances.