davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$650.00} XXXX {$3500.00} XXXX {$4000.00} XXXX {$1900.00} XXXX {$450.00} XXXX {$650.00} XXXX {$6000.00}
Consumer complaint received 2024-12-11
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: BARCLAYS BANK DELAWARE (OK)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TX)

I sent a dispute to XXXX XXXX and experian and it came back all information verified I dont see how when Date last activity is different XXXX XXXX have XX/XX/XXXX and experian have XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX and experian have XXXXAccount Description : XXXX XXXX have joint account and experian have individual accounts.Account Status : XXXX XXXX have open and experian the the account close. Account XXXX is the same difference date the fair credit act states credit reporting be 100 % accurate information every step must be taken to assure the information reported is completely correct therefore these accounts should be deleted
Consumer complaint received 2024-11-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: First Technology Federal Credit Union (AZ)

I purchased a vehicle XXXX of XXXX and was financed with First Tech Credit Union. I ran into a hardship and we called back in XX/XX/XXXX to ask for assistance. We were told that we didnt have our loan long enough, need 12 payments and that we need to maintain payments to keep reducing the days past due. We paid at the end of of XXXX, XXXX and had a payment set up on their portal for XX/XX/XXXX. They repossessed my car on XX/XX/XXXX. They stated a right to cure was sent back in XXXX and we didnt pay the total amount. Informed them we were told to keep making payments until we reached a year and then can revisit. I never received the right to cure and nothing was sent certified. How can they take my car if payments are pending/accepted and I was not properly notified of any issues? This is misleading and unacceptable. We have done our best to maintain monthly payments but can not catch up on all past due. I called to get my vehicle back and my wife made arrangements with other to have the total past due plus fees. We have gotten the run around and I am trying to avoid transport and more fees but I am getting now answers or returned calls. I do not understand this business practice and am trying to make this right but also, should not be in this situation as there was not indication my car was in jeopardy and payments still be ing sent and accepted.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/23 I received a surprise call from Wells Fargo Bank and I was rudely told that my accounts were being closed effective XX/XX/23 due to a Wells Fargo Bank business decision. I tried to ask questions to resolve the situation and the lady with Wells Fargo was very very rude and abrupt with me.
Consumer complaint received 2022-12-03
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: Resurgent Capital Services L.P. (VA)

In accordance with the fair credit reporting act ( XXXX XXXX {$650.00} ) has violated my rights 15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2020-06-05
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX {$500.00} XXXX {$410.00} XXXX {$590.00} XXXX {$240.00} XXXX {$970.00} XXXX {$970.00} XXXX {$330.00} XXXX {$1400.00} XXXX {$43000.00} XXXX {$22000.00} XXXX {$780.00} XXXX {$1700.00} XXXX {$850.00}
Consumer complaint received 2024-11-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SD)

Wells Fargo bank without my consent signed my account up for add-on products with drawing the service fee from my account causing overdraft after long period being overdrafted Wells Fargo closed my checking and savings account I live on a XXXX  with little to no access to essential nessities for personal health and wellness Wells Fargo denied my credit application leaving me financially crippled to purchase goods a debit card or credit card is a life saver on the XXXX to obtain goods from outside the XXXX  boarders credit account and deposit account are critical to the XXXX XXXX XXXX Wells Fargo 's actions denying credit and closing accounts had a direct negative impact on my mental and physical health and wellbeing also my credit and financial growth. 
I XXXX XXXX a XXXX XXXX living on a XXXX Wells Fargo bank has a local branch located on the XXXX XXXX XXXX XXXXXXXX XXXX I'm giving Wells Fargo bank a chance to make things right if not I'll file a lawsuit in federal court in the district of South Dakota possibly a class action lawsuits.
Consumer complaint received 2023-03-21
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. (GA)

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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reports 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 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VERITAS FUNDING, LLC (UT)

I submitted a complaint last year regarding TRID tolerance violations committed by Veritas Funding , LLC ( " Veritas '' ) complaint ID XXXX. This is not a duplicate of that complaint, rather it is a complaint regarding further violations as Veritas  pretends to be servicing a mortgage that has been rescinded. 

Veritas originated a rate and term refinance conventional mortgage on my primary residence in XXXX of XXXX. They sold my loan to XXXX, who sold it to XXXX. Eventually, Veritas had to buy the loan back from these entities after I brought to light they had completed terms in a blank contract sent to them with my closing package, without my knowledge, and used that contract to sell the mortgage FOR PROFIT. 
Due to TRID tolerance violations left outstanding, and Veritas ' unwillingness to acknowledge and cure those violations, I had no choice but to rescind the mortgage in XX/XX/XXXX. 

Veritas refused to acknowledge the rescission and rather than unwinding the transaction, they hired an attorney. I filed the aforementioned CFPB complaint not long after, in XX/XX/XXXX. 

Veritas answered the complaint by admitting TILA and UDAAP violations, lying about a cash out refinance, and offered me a tolerance cure - POST RESCISSION ( another violation ) along with another incorrect Closing Disclosure ; they misrepresented {$400.00} I paid outside of closing. 
I have not cashed the tolerance cure check ( s ), extended by Veritas. 

THE CFBP DID NOTHING REGARDING THESE GROSS VIOLATIONS! 

Veritas has continued to send me notices since then, on a monthly basis, as though they are servicing the loan. This past week, I received a letter from a debt collecting law firm, telling me I was in default on my mortgage and could be facing acceleration of the mortgage and potential foreclosure if I did not pay them over {$33000.00}. 

The failure of Veritas Funding , LLC to follow Federal Lending Statutes, to continue to act in the capacity of a servicer after being given notice of a lawful rescission, to attempt to collect on a debt that does not exist, and to consistently act in bad faith prompts me to file another complaint. 

I have not attached the monthly statements, as I have not yet scanned them. But, I can if requested.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

After i closed my Store Card on XX/XX/2019 with MACYS, They " Mistakenly " Charged my Account with {$350.00}. 
which is showed in my credit report 5 Late Payments since i noticed! 
Which is drastically Dropped my Credit Score. and prevented me from applying for Credit card.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I keep a very close eye on my credit reports, my credit is frozen with all credit bureaus per my direction and to protect my XXXX score. I recently obtained a copy of my annual free credit reports because my XXXX   number went from XXXX to XXXX and I found it worrisome, as I am debt free and only have a 3 percent credit utilization. Upon closely reviewing the reports I noticed that XXXX has a collections amount form a company named Amsher Collection Services that posted on XX/XX/20 for {$210.00} and it also showed a residential address I did not recognize. The company they are collecting for is XXXX XXXX. XXXX, we have an account with them under my husband 's name and it is current and without issue. I contacted the collections agency and the CSR ( XXXX ) could not locate the account with my social, full name or address and requested I e-mail his supervisor. His supervisor has not responded to my queries. We were in the middle of researching and possibly purchasing a vehicle, we have now stopped until this is resolved and my credit score with XXXX moves up again to what it used to be.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, Transunion, and XXXX continues to report inaccurate information on my credit report for the account listed listed below. 

XXXX XXXX XXXX  : Account number XXXX. 

I do not recognize nor understand the form of reporting of this account. This account has historically and continues to report inaccurate and inconsistent information to all 3 bureaus.

1. The company is fraudulently reporting last payment date of XXXX XXXX. Last payment was XX/XX/XXXX. 

2. The company has reported inconsistent payment statuses across all three bureaus.

3. The company has reported payments while the account is in charge off status. Last payment on Transunion shows as XXXX XXXX with a close date of XX/XX/XXXX. The company also shows " Times 30/60/90 days late 0/0/0 ''. On XXXX, the account was charged on XX/XX/XXXX. On XXXX, there is payment history. The account has been closed, reopened, and placed in 30,60, and 90 late statuses. 

4. The company is reporting the account on my family 's credit report.

5. The company is reporting payment history to XXXX for the year XXXX, while also showing CO status on XXXX during the same time. The balance also continues to fluctuate. 
1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX30 days late : Balance {$9400.00} 9. XXXX XXXX-Closed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} I demand the account be removed from credit report immediately. I do not authorize the reporting of this tradeline. It has damaged my credit report since XXXX with its erroneous reporting. Transunion, XXXX, and XXXX have failed me as a consumer, and has not operated in good faith and according to FCR and FTC rules and regulations regarding accurate reporting of information. I have been disputing the accuracy of the reporting of this account for years, and the credit bureau does nothing to ensure accurate reporting. Instead accusing my disputes as being frivolous to avoid investigation.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America on XX/XX/XXXX sent me a letter informing me that my risk profile somehow no longer aligns with the bank 's risk tolerance. They sent me this letter XX/XX/XXXX, which was just 4 days before my due date. They currently owe me XXXX points, for the purchases I made on my account from XX/XX/XXXX to XX/XX/XXXX at the very least, which is the date that they made the decision to close my account. I was a BofA Platinum Honors member and I thought a very good customer. I never missed a payment, always paid in full, have a great credit score etc etc. I am owed these points for the purchases I made and it is absolutely abhorrent that they think it is okay to steal peoples points just because they randomly think that someone is now a different risk. I believe this has to do with the Coronavirus and treating people unfairly because of it. That is the only thing that has changed with my risk profile. So I want Bank of America to give me my XXXX in the form of a credit to my checking account, which represents the points I earned from XX/XX/XXXX to XX/XX/XXXX the date that they closed my account.
Consumer complaint received 2023-05-26
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. (CA)

I have an outstanding debt with XXXX XXXXXXXX XXXX XXXX that I have with a deposit related debt for {$480.00} that does not belong to me. This debt is the result of identity theft back when the account was originally opened on XX/XX/2019.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (CA)

I'm submitting this complaint in response to the Credit Bureaus ' most recent investigation. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting additional information from the Credit Bureau about these specific accounts in question since I am not confident that enough was done to genuinely contact the creditors who are reporting these inaccurate information on my report. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report includes the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXXXXXX XXXX XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 2014
Consumer complaint received 2020-07-01
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I reviewed a copy of my credit report. I discovered inquires that I did not authorize. 
On XX/XX/2020, I reached out personally to the company to have the inquire removed from my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. Which I do not authorize. On XX/XX/2020, stating we regret that we're unable to offer you credit at the terms requested. This has greatly impacted my credit score.
Consumer complaint received 2022-07-20
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. (CA)

To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )