davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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: DISCOVER BANK (WA)

1 ) Was charged on XX/XX/XXXX from XXXX for XXXX on my Discover Card XXXX ) Disputed the charge on XX/XX/XXXX as there was no record on XXXX of this transaction as my plan was cancelled. I uploaded these documents to Discover.Com in the dispute case XXXX 3 ) Discover reached out on XX/XX/XXXX via email and notified me that the dispute was investigated and found to be in my favor. The email stated " If the merchant provides information indicating the transaction is valid, we may reverse the credit adjustment and notify you with a copy of any documentation we receive. In that case, you will be able to provide additional information if you wish to continue the dispute '' 4 ) In XXXX the transaction was posted to my account. No notification from Discover that this was done. 
5 ) On XX/XX/XXXX my auto pay paid the XXXX dollars. 
6 ) Contacted discover and they stated that my transaction was still under investigation and that was why it was posted back to my account. 

Reviewed my XXXX account and new charges were attempted to Discover on XX/XX/XXXX but never appeared on Discover statement and do not add up to XXXX dollars. These charges were not approved or authorized.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureaus are reporting inaccurate information on WELLS FARGO HM MORTGAGE. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. 

WELLS FARGO HM MORTGAGE XXXX Balance {$0.00}
Consumer complaint received 2022-09-30
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. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date XXXX XXXX XX/XX/XXXX ; XXXXr XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX # A XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-01
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. (GA)

I filed a Identity theft report to remove the fraudulent items from my credit report due to ID theft, requesting the items be blocked within XXXX hours due to fraud. The company refused to block the fraudulent items and refused to investigate the items. I am requesting in writing that the credit reporting agencies block the fraudulent inquiries and accounts from my credit file. 

The company refused to update the 30 day late on my credit file. I had XXXX XXXXXXXX in XXXX of 2021. The mortgage on my credit report is reporting late I have a letter from the lender that I was on an extension and was never late. This is affecting my credit score and ability to obtain credit in my name. The Equifax confirmation number is XXXX, XXXX file number XXXX, I do not. have the XXXX report number. I have been kidnapped and I explained that to the agent and they refused to removed the items. My social, drivers license was stolen during the time. The people who had it done went to jail but they sold my identity. I feel the credit bureaus are discriminating me because I been kidnapped.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (TX)

XXXX has incorrect information on my credit report and according to FCRA, I have the right to an accurate credit report. 
The report says I opened account in XX/XX/2022 and made zero payments and XXXX payment amount and term was for one month. I never opened an account in XXXX or would agree to one month payment. The amount states {$2200.00}. 

Also same account NCB Management, collection agency violated the FCRA : Debt collectors are not allowed to call friends or family members and discuss account. 

NCB Management violated this 3 times by calling a family member discussing my account and asked them to pay {$1300.00}. 

Each violation is a fine of {$1000.00} and they have violated it 3 times.
Consumer complaint received 2022-04-14
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (CA)

On XX/XX/2018 I accompanied my elderly mother into Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I explained to a woman that she could not hear and my mother gave explicit permission for me to answer questions for her. The account was approved, and around XXXX minutes later a gentleman by the name of XXXX XXXX - Branch Manager II Vice President came over and indicated to me we could not open an account for her because I was answering some questions on her behalf. He directly profiled me based on how I looked and how my mother looked. This was apparent. This individual should not be running any financial institution. Years later, I was having a problem with my account I opened, and he came over to me and indicated he was closing my account. Based on the fact a woman called me, about transaction history for my upcoming wedding. I have XXXX different accounts for my business. He said I didnt answer the calls regarding the account activity but this individual again passed judgement against me and without warning closed my account. Most of my personal bills and obligations come out of this account. I had multiple bad experiences with this individual XXXX XXXX - Branch Manager II Vice President who has given me no reason for his actions. I have disputes on my account now, and can not open a new account with this institution to receive provisional credit to pay my bills, which is against the law. This has caused me emotional, and financial stress. I plan on hiring an attorney regarding this situation and pursuing it as far as I possibly can.
Consumer complaint received 2022-08-03
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX Bank Account # : XXXX, has violated my rights. 
XXXX and XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX Account # : XXXX ****, has violated my rights. 
XXXX Account # : XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account 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 a 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 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 information is inaccurate.
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

1. XXXX XX/XX/2022 : Wells Fargo wont send a transfer. The requester suggest XXXX, as we both have accounts at Wells Fargo. 

2. XXXX XX/XX/2022 : send {$1000.00} through XXXX at Wells Fargo to my landscaper. 

3. XXXX XX/XX/2022 : send an additional {$220.00} through XXXX at Wells Fargo to my landscaper. 

4. XXXX XX/XX/2022 : Wells says the payment was rejected. 

5. XXXX XX/XX/2022 : Wells says that the money was received. I file a complaint with Wells Fargo because the landscaper has not received money 6. XXXX XX/XX/2022 : Wells Fargo says it is up to XXXX to make good on the missing money. They give me the 800 number. 

7. XXXX XX/XX/2022 : XXXX says it is Wells Fargos responsibility to refund my money. 

8. XXXX XX/XX/2022 : Wells Fargo says the money was debited and is unreturnable. Another person has opened a XXXX account to take my money.
Consumer complaint received 2021-08-03
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: Onity Group Inc. (MA)

XXXX is conspiring with Ocwen mortgage company to continue to re-age an old bad debt. I tried to file a dispute online but XXXX refused to accept the dispute. On XX/XX/ I sent, via certified mail, XXXX  evidence/proof catching Ocwen re-aging my account by removing payment data from my credit report. XXXX has refused to fully investigate my claims of fraud, allowed payment history to be removed, allowed payment history to be reported as no data, all while presented with a mountain of evidence of Ocwen 's wrongdoing. I supplied XXXX with the same evidence I am attaching to this complaint. Evidence that includes a copy of an old XXXX credit report showing the missing information.
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

President Biden has out a pause on student loan payments and Navient has continue even thought I have notified them several time to charge me and charge late fees and interest to my account. They act like they are above all other student loan companies. They have ruined my credit by reporting late payments which they should not be doing so since this is on pause. 

Today, the U.S. Department of Education ( Department ) announced a final extension of the pause on student loan repayment, interest, and collections through XX/XX/XXXX. Borrowers should plan to resume payments in XX/XX/XXXX. While the economy continues to improve, COVID cases remain at an elevated level, and the President has made clear that pandemic-related relief should be phased out responsibly so that people do not suffer unnecessary financial harm.
Consumer complaint received 2022-08-03
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. (TX)

I've contacted all three bureau Trans Union, XXXX, and XXXX asking to uphold the integrity and standards set by CFPB, XXXX, XXXX, FDCPA and 15 USC. Also Texas fair credit reporting. All knowledge has been ignored on the behalf of the bureau. I demanded proof of debit by contract with my signature. They failed to comply. I asked them to remove debit with false information that was past Section 16.004 of the Texas Civil Practice Remedies code. The statue of limitation on debit in Texas is four years. Some accounts where doubled and had different account numbers. The bureaus refused to do anything. 
I sent a letter to update my information and remove false inquires on my report. These too where ignored by the bureau!
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I got scammed out of {$400.00}. I called my bank and made a fraud claim. I have the emails sent to me of the person pretending to be XXXX and Wellsfargo, that I supposedly was ti pay a fee for some sort of upgrade. And me gullibly did send it since it seemed like a legit emails and the images on it were pretty accurate to any other email I received from the company. Turns out it was a scam. I called multiple times after my claim was sent and the bank told me that they couldnt help me anymore with the investigation or claim
Consumer complaint received 2022-09-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with 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 be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-08
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX
Consumer complaint received 2021-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (PA)

Violations 1. Down Payment +Pursuant to 15 USC 1605 ( a ) Thefinance chargedoes not include charges of a type payable in a comparable CASH transaction. 
A down payment was advertised in order to extend credit. 

2. Unlawful Repossession 1. Extension Posted XX/XX/XXXX 2. Payment made on XX/XX/XXXX in the amount of {$270.00} REF : XXXX XXXX. Repossession Expenses {$420.00} incurred on XX/XX/XXXX. 
4. Repossession occurred after payment which means account not in default 5. I spoke with a rep who admitted she wasn't sure why it happened if I made a payment but, didn't fix the problem and refused to help me resolve the issue. 


3. Violations During Repossession 1. Breach of Peace incurred. Vehicle repossession from Private & GATED community. There is no PUBLIC access where the repossession occurred. Repossession company was not granted access to the secured area. 
2. Violation in pursuant with Universal Commercial Code that secured lenders also breach the peace if they : ( 1 ) repossess the collateral despite the consumers objections ; or ( 2 ) TRESPASS in order to gain possession of the collateral. 

4. Repossession Expenses 3. On XX/XX/XXXX Payment was made in the amount of {$2000.00} ( REF XXXX ). I instructed rep to apply it to repossession expenses. Rep did not apply it to expenses and instead towards monthly payments. 
+ In Pursuant to 15 USC 1692 ( h ) shall apply such payment in accordance with theconsumers directions. 

5. I've also asked on many occasions to produce the paperwork however, representatives frequently transfer me to incorrect departments and refuse to provide me with information that I have a right to receive.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with 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 be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2021-11-08
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. (MI)

I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the incorrect information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be removed completely from my credit report : 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 XX/XX/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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Consumer complaint received 2021-11-08
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: Exeter Finance, LLC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, EXETER FINANCE, is reporting late, yet it is closed and the balance is XXXX as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor remove this complaints.
Consumer complaint received 2022-02-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.