davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.
Consumer complaint received 2022-09-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KY)

I had a mortgage loan with Wells Fargo which I refinanced to get a lower interest rate in XX/XX/XXXX ; my new lender is XXXX XXXX XXXX, XXXX, XXXX. Settlement date was XX/XX/XXXX ; funds were distributed to satisfy the mortgage loan with Wells Fargo on XX/XX/XXXX. 
Mortgage payments to Wells Fargo were withdrawn automatically from my checking account each month. It was my belief that the automatic payments would cease since the mortgage loan with Wells Fargo was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX, I attempted to use my debit card, and it was declined. When I went to my bank to investigate, I found that the Wells Fargo auto withdrawal had gone through my account on XX/XX/XXXX, which was not expected. At the banks suggestion, I initiated a stop payment for future withdrawals, for which I had to pay a fee of {$34.00}. No further payments have been withdrawn. Due to the unexpected withdrawal on XX/XX/XXXX, I was charged {$210.00} for overdraft and return fees. I asked the bank if they would refund these fees, but they refused. 
I contacted Wells Fargo on XX/XX/XXXX and spoke to staff member, XXXX ; I explained the situation and asked that Wells Fargo return the amount of the auto withdrawal since my mortgage loan had been paid in full on XX/XX/XXXX. She indicated that the amount of {$950.00} was used to cover a balance owed on my homeowners insurance policy. 
I contacted XXXX XXXX, who carried my homeowners insurance policy at that time, to verify the accuracy of the information given to me by Wells Fargo. I was told that Wells Fargo had paid my homeowners policy in full ( amount of {$1800.00} ) on XX/XX/XXXX ( see attached receipt from XXXX XXXX ). Any amount owed to Wells Fargo would have been included on the Settlement Statement dated XX/XX/XXXX ( see attached copy of settlement statement ) and therefore would have been paid as a part of the payoff they received on XX/XX/XXXX. 
I called Wells Fargo approximately a week after my first contact and spoke to staff member XXXX. XXXX again tried to tell me the funds withdrawn from my account had been used to cover a balance owed on my homeowners policy. I told him this information was incorrect. I shared with him what XXXX XXXX had told me. At that point, he filled out a complaint on my behalf. 
Two to three weeks later, a staff member from Wells Fargo called ( I dont recall his name ) to tell me Wells Fargo was investigating my complaint and my request for reimbursement of the automatic withdrawal. He said someone would contact me as soon as the investigation process was complete. It has been over five months, and I have heard nothing further from them.
Consumer complaint received 2022-09-29
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$11000.00} This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (TX)

On XXXX I received an email from XXXX for my final bill for a total of XXXX which was paid on XXXX in which I received a confirmation email regarding this payment. On XXXX I received notification on my report that the account for XXXX Account Number XXXX was charged off for non payment. Yet I received my email confirmation for this payment. On XXXX I received another bill for a total of XXXX which was also paid. They have claimed that they never received my first payment in XXXX which caused my account to be a charge off. This should not have been the case being that I have proof of conformation of payment.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

1. please remove old items i.e XXXX XXXX XXXX  XXXX etc. 
2. Why does it still show I owe? Please remove items that have been paid
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (AL)

I purchased a XXXX gift card from XXXX on XX/XX/XXXX. Shortly after, I attempted to use the card at a seafood market. The transaction was declined, the merchant showed me his computer screen verifying the issuing bank declined transaction, however, a hold for the purchase amount of {$87.00} was placed on the gift card. On XX/XX/XXXX I called XXXX ( number on the back of the card ) and spoke with a representative who assured me that, without fail, the hold would be released on XX/XX/XXXX. Today is XX/XX/XXXX and the hold is still not released. I called customer service again and was advised the hold would not be released until XX/XX/XXXX. 
In addition, I have a {$12.00} balance on the card. I have attempted four separate time, at four separate merchants to use the card ( all amounts less than {$12.00} ). Each time, the card is declined for insufficient funds. Customer service has no explanation as to why these transactions are being declined. 
This company is holding {$87.00} of my money when the merchant has verified numerous times the transaction was declined and settled on their end. The small balance that is available is unusable because all transactions are declined.
Consumer complaint received 2022-07-29
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. (NJ)

It has been drawn out into the open that EXPERIAN, XXXX and XXXX are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. Please remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX  XXXX XXXX NJ XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-09-29
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. (PA)

NOTICE OF COMPLAINT To : Experian XXXX XXXX XXXX XXXX, TX XXXX Take due notice that this letter is a formal written complaint is a demand for the following items on my credit report to be Removed immediately as they are in violation of 15 U.S.C 1681 ( b ), whereas the following unauthorized inquires are indeed inaccurate and did not obtain my oral or written permission to report such unauthorized inquires and has done so by way of FRAUD! Each unauthorize inquiry calculates up to {$1000.00}. 

15 U.S.C 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

UNAUTHORIZED INQUIRES CREDITOR DATE FEES XXXX XXXX XXXX XX/XX/XXXX {$1000.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} In result of these unauthorized inquires, complainant shall be entitled to the calculation of {$16000.00} in remedy for fraudulent reporting of each inquiry on said credit report as it has caused an effect to my credit score.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (WI)

This is the timeline of the botched transaction from my XXXX XXXX to Barclays. during this time, my credit score dropped from the high XXXX to the low XXXX. 

XXXX - Begin hearing about XXXX transitioning from XXXX to Barclays. 
XX/XX/XXXX - Last automatic payment of full balance to XXXX XXXX 
Was Notified they were switching over to Barclays. 

XXXX - Notified that a new Barclays credit card was getting mailed out. This card was never received Called Barclays and requested a new card be sent out. 
Barclays refuses to use my last name of XXXX and insists on using my maiden name of XXXX unless I send a copy of my marriage certificate. Gap had been using my last name of XXXX since I got married in XXXX. I told Barclays to close my account. 

XXXX - I never received any new Barclays card. They insisted they had mailed two out. 
Begin to see negative impacts on my credit score, but never received any statements from Barclays and was never given any information on how to pay online.

I again asked them to close my account and requested they mail out a paper statement. 
Called Barclays again and asked them to mail out my final statement. 
Still no final bill sent. Call Barclays again ( for the third time ) to ask for the final bill. I told the XXXX I would be mailing a check in to pay the amount in full, minus late fees and interest charges. 

XXXX - I finally received the final bill. 
XX/XX/XXXX - Mail check # XXXX for the full amount, minus interest and late fees. 
XX/XX/XXXX - Check for {$2300.00} is cashed by Barclays. 

XXXX - Call Barclays and talked to a customer service rep who let me know that they did receive the check and my account had a {$0.00} balance. I thought everything was revolved. 
XX/XX/XXXX - Credit monitoring shows Barclays has marked the account as more than 60 days delinquent. 
Call Barclays again, asking to confirm payment, and close the issue, and fix the credit reporting issue. They claim they cant find the payment, despite my bank showing the check was cashed by Barclays on XX/XX/XXXX. 
Still calling me by my maiden name of XXXX. 
XXXX is investigating this, but says it wont be resolved for 30-45 days. XXXX ID # XXXX At this point, it has been almost 4 months of trouble and this has ruined my credit score.

Another 30-45 days of this is unacceptable.

My account has been pain in full. I would just like this issue to be closed and my credit score restored.
Consumer complaint received 2022-09-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (PA)

My name is XXXX XXXX my consumer Rights are being taken advantage of by these debt collectors, Santander Consumer USA and XXXX XXXX XXXX XXXX for committing identity theft with my name.Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the the initial disclosure, to direct that such information not be disclosed to third party under 15 USC 6802 ( B ) 1c. With that said brings up yet again another violation under 15 USC 6802 ( B ) 1c, were i wasn't explained or shown clearly how to exercise my rights as a consumer to that nondisclosure from a consumer credit transaction between me and santander, to opt out of furnishing information to non affiliated third parties.Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by XXXX XXXX who now says i owe them a debt which on XX/XX/2022 i requested validation and have not received up until now but they are communicating to me via consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from XXXX XXXX services and all other third parties involved. If i don't find remedy to cure these violations of my right to privacy under federal law, i will have no choice but to file a lawsuits which i will be looking for actual damages caused from these companies unfair practices. XXXX XXXX XXXX XXXX and all other third parties involved to be criminally liable and persecuted for aggravated identity theft pursuant 18 USC 1028A, extortion mail fraud and theft by deception. Please note that i went through all channels to get this problem solved and i am giving formal notice that i intent litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.
Consumer complaint received 2024-09-23
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (DC)

I just received my new credit report for XXXX and I found quite few auto Account XXXX Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XXXX XX/XX/2022, AMERICAN CREDIT ACCE XX/XX/2022 I had to do it over again, complaint forms again with this same problem on another account because CFPB complaints didn't go through on my other CFPB account because of a system glitch technical difficulty. I'm not here to play mind games with you people.
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (KS)

I had an injury to my XXXX  and needed time off that wasn't covered by sick leave and so am having financial issues, my bank stopped payment on the loan, I did not request a stop payment. Advance America has been calling everyday, sometimes twice. Due to financial difficulties I am in between phones now. I sent in via their email delivery system, that I needed an payment plan sent to me through email to start repaying the debt. They have now started calling my work place, I am uncomfortable discussing my debt at the work place. They have called once XX/XX/22 around XXXX and then again around XXXX. They were informed by our front desk to contact me via email. The woman responded that she has no way to do that. I have already asked them via email to cease and desist phone contact and prefer email. This seems to be harassment since they are contacting me at work. 
Also their repayment schedule makes no sense. All of the payments vary and are never the same which makes budgeting very difficult. Their interest is also absolutely ridiculously high and seems to fluctuate based on what they want to charge you for that period. They present you with an initial repayment schedule but once you start paying it off it disappears, the payments never seem to have an end date and can go on as long as Advance America deems appropriate. They take advantage of those in financial crisis. The in-person team I worked with before always seemed helpful but now that it's online it seems very deceptive.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, and XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received a letter in the mail today, XXXX XXXX, dated for XXXX XXXX stating that my checking, savings, and credit card with USAA will be closed because they are exercising their right to no longer do business per the depository agreement. I called and was told its because of negative news about me which Im not sure what this means or how that affects my ability to have a bank account with them. Im assuming its because of my criminal background, which has no convictions. Im looking for a thorough explanation on why my accounts are being closed and if this is a violation.

Thank you.