davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

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 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1861 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 hem of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16816-2 ( A ) ( a ) A person shail not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to information is inaccurate. 

Delete these hard inquiries accounts below XXXX XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

I have had it with Wells Fargo. Over the past XXXX months, I've experienced financial hardship with my contract ending at a job I had. I've been unemployed during this time and had to rely on driving XXXX while attending grad school. Wells Fargo recently XXXX the ability for my account to overdraft which has made my situation even worse by bouncing ACH and debit transactions on things I need and rely on. 

The final straw was today when I saw that a company that I put a stop payment on charged my account twice in the past week. I reported the transactions as unauthorized as the company took money out of my account using fraudulent checks and the agent, whom I could barely understand told me that he would have to close the account ( I think he meant to say restrict online access to my account ) and that he can transfer me to the department that can have me re-access the account, however, I was transferred to the wrong agent and the agent transferred me to another fraud agent. The second fraud agent said that there was no claim made on my account and that she would have to make one, she offered that I could stop the payment or go into a process that would close the account - however after informing her that I will leave Wells Fargo if im charged a stop payment fee I was put on hold and told that I won't be able to put a stop payment on the payments, even with a fee and that I would have to go into whatever process she was talking about. Frustrated, I was sent over to an escalated support agent who was just as bad as the first two, I further declined for them to continue the claim and told her that I will leave Wells Fargo next month. I was told that the department responsible for giving me access back on the account was closed and that I would have to call tomorrow. 

I do not know if my deposits will hit the account tomorrow, I do not know If I would have access when I call, as I no longer trust this bank.
Consumer complaint received 2023-01-06
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. (FL)

XXXX XXXX XX/XX/19XXXX XXXX XXXX XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. 

Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Consumer complaint received 2023-01-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-09
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. (NY)

( XXXX  XXXX ) I have sent a dispute to all 3 credit bureaus to delete this account due to it being in violation of metro 2 due to the account number containing a letter..this is a clear violation and they have yet to delete this account in fact i never even received a response to the dispute. i am attaching a copy for your review.

There are several violations ... this account is closed and all 3 bureaus are reporting terms they are all reporting diffrent days of last payment they are all reporting different dates of last acive 2 are reporting paid and one is reporting closed
Consumer complaint received 2020-07-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XXXX Amerisave Mortgage called us in regards to a VA IRRRL Streamline Mortgage Refinance loan. After they told us we could get a 2.75 % interest rate for the streamline loan we started the refi process. We then provided all documents which were uploaded into their system as requested. Then things went downhill. We waited 3 weeks and then reached out to our loan officer by email and voice mail but no response. Then after 45 days an underwriter called us and left voicemails but when we called back all we got was the underwriter voicemail. The underwriter never sent us an email so we could not respond via email. Then we had several online chat sessions and made a complaint that we were being ignored. The today, over two months later we received a NOREPLY email from Amerisave Mortage saying they could no longer process our refi. We DID NOT start this process, they did. They sent us a mortgage rate lock document and asked for many documents that we provided. Our credit score dropped because of this because they ran a hard inquiry. So all this effort on our part and now a lower credit score and have nothing to show for it, except that Amerisave Mortgage should be disqualified from doing VA loans. We are a XXXX XXXX XXXX veteran who does not need this total disrespect and unprofessionalism from any Mortgage Company. The Veterans Administration needs to Vet the mortgage companies that offer VA loans. When we purchased our home the other mortgage company was professional and timely. We logged into our account today XXXX and ALL documents we unloaded into their system have been deleted. So they are trying to hid the fact we provided many, many documents as requested.
Consumer complaint received 2020-07-09
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. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

List Name of the accounts with high Utilizations along with their account numbers. 
XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX  ) Making the report is NOT INCLUDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX ] that is making the report. CONGRESS clearly states that the experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX
Consumer complaint received 2021-07-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp. (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it XXXX any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account
Consumer complaint received 2024-08-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Experian Information Solutions Inc. (AR)

Account # XXXX XXXX XXXX XXXX and Experian and XXXX keep posting inaccurate information on my credit report. I have asked them to fix the problem or delte from my credit report. Fair and accurate, and my credit report isn't accurate. This is my fourth or fifth time asking for this to be fixed.
Consumer complaint received 2024-08-11
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: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) the financial institutions and the consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, whether it be verbal, non verbal, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) never informed me of my right to exercise my non-disclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states 'Except as authorized under subsection ( b ), 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 the convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports under section 1681 b of this title. '' XXXX, XXXX and Experian are not maintaining reasonable procedures.
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (ND)

I used the MoneyGram mobile app to send some money internationally. Within an hour of sending the transfer, the recipient received a XXXX call from a company named XXXX stating that they worked on behalf of MoneyGram, and they had all the information pertinent to the transfer, including all my personal information and banking information. They stated they only needed her information to verify the transaction. She declined and immediately let me know. Next morning when i woke up to call MoneyGram to complain, I noticed I had a couple fraudulent transactions on my account for a couple grand. I followed the appropriate channels to let my bank and MoneyGram know of the situation. MoneyGram stated there was no one with that company name that worked for them, but somehow those people had access to all the information from the money transfer and all my banking information, so theres either a huge flaw/ security exploitation within the app or theres people within the corporation getting unauthorized access to peoples information and using that malignantly. Either way, its a huge deal. And this is sure to be affecting many other people and its a dire issue that needs to be addressed.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX ) I called for a deferment for a few months due to the Covid 19 Pandemic. They agreed that a ate payment for the following 3 months would not report as a late pay on my credit report and they did not comply ... to my surprise I have my credit report to be qualified for my 1st home and there is the late payment that they stated they would not report ... this is killing my score and now i do not qualify for the home ... i need this reversed immediately to read paid on time ... .I need the 30 day late for XX/XX/2020 updated to paid on time as we had an agreement.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received a letter from Bank of America on XX/XX/XXXX claiming I am delinquent on my property tax parcel XXXX. They have the wrong periods, wrong amount, and the bill was for the previous owner and is not owed by me ( current owner ). 

They are threatening to pay the bill and add the amount to my mortgage for SOMEONE ELSE 'S bill. They are fraudulently increasing my mortgage payment after XX/XX/XXXX. 

We went through this issue during refinancing in XXXX, where Bank of America 's title company kept making the same error, and I fired the and hired XXXX XXXX XXXX who gave me a clean title. 

XX/XX/XXXX Called BOFA and spoke with XXXX in XXXX. They said they would open a ticket with the tax team and that this was automatically picked up by the system. Request number XXXX and should be resolved by XX/XX/XXXX. 

I chat with XXXX XXXX XXXX to confirm that the delinquent tax is for the previous owner and would be moving to unsecured in XXXX and that I do not owe this money. I call back and XXXX in Texas says she would contact XXXX in XXXX to add this information to the ticket cause she could not. 

XXXX Called BOFA to check on the ticket. XXXX from Arizona says the back office is still due and going to start an escrow for the property tax THAT XXXX XXXX COUNTY SAID IS NOT OWED BY ME. They will proceed with stealing from me. She submitted a ticket to escalate and have one point of contact to contact me within three business days. 

Chatted with XXXX of XXXX XXXX county who shows no record of Bank of America ever contacting them to clarify or ask about the property tax as promised on XX/XX/XXXX. She said the county would correct them should they contact. Property tax is already being transferred to unsecured status. 

XXXX Called BOFA because the promised call within three business days did not happen. XXXX from Arizona took my call again. Said they're too busy and the call is still pending, even though they have the XX/XX/XXXX deadline. Won't let me contact or speak with anyone directly from Tax. Can't tell me what the escalation call would even help or do. Tries to blame XXXX XXXX county for Bank of America being incompetent in what they do. 

No confidence they are even actually trying and just want to use this as an excuse to increase my mortgage principal.
Consumer complaint received 2021-09-16
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. (NJ)

Attempted to dispute issues on my credit report when attempting to verify my information equifax keeps saying the info I am providing is incorrect and when I spoke with a supervisor I was told nothing could be done and the questions they asked are broad based and don't ask specifics.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (DE)

I filed a claim with XXXX PUA unemployment. After months of trying I was able to finally setup my claim. The state of XXXX at the time I filed did not offer direct deposit. 
All monies were added to a USBank Relia Debit Card. The last 3 out of 5 times I tried to use the card for a cash advance to transfer the money to my checking account. The card has been declined they give no explanation why. They tell you to call the phone number on the back of the card. They never answer the phone you can be on hold for hous then they diconnect the call.There website is always crashing they have no email address. 
You can not get any information as there is never anyone to speake to. There are thousands of complaints on the internet how you can never speak with anyone .US Relia card is horrible .Probally the worst bank in the country why they were awarded the contract makes no sense.
Consumer complaint received 2020-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, XXXX, at Walmart ; I purchased XXXX XXXX, one yr warrantee. After the XXXX XXXX XXXX emptied, I installed a cheaper XXXX XXXX ink cartridge and working very well until XXXX XXXX manipulated my computer printer software to make it stop printing. On XX/XX/XXXX, I called Walmart and complained to XXXX at cust service and she agreed for me to bring it back to replace or refund, but on XX/XX/XXXX, I was at the Walmart with the printer in the original box, Mgr XXXX XXXX refused and pushed my cart of printer out of Walmart. I called 3X at XXXX, but refused to do anything. I complained to XXXX 3X, but of no avail. I then used my Walmart CapitalOne Credit card to purchased an XXXX $ XXXX, because of additional money I used on the XXXX, and XXXX in addition to the printer cost I paid ; I want to recover. CapitalOne requested all those documents I got in solving this problems which I complied hoping for them to stop billing me, but they didn't and still billing after I put a lot of effort into it.