davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (FL)

Experian is reporting inaccurate information on my credit Report i notified Experian over 6 months ago multiple times and Experian is still reporting the XXXX inaccurate accounts on my credit report : Name : XXXX XXXX XXXX Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

XXXX and XXXX has both done an investigation and Deleted the XXXX inaccurate accounts above off of my credit report but Experian is still the only Credit Bureau that is reporting the accounts inaccurate. Its is an violations under the FCRA to report inaccurate information on an person credit report and I demand that Experian Delete the XXXX accounts immediately off of my credit report ( Name : XXXX XXXX XXXX Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

Im fed up and Im on my last leg i will sue Experian if they dont removed the XXXX inaccurate accounts off of my account immediately. 

Thanks
Consumer complaint received 2023-01-09
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. (NY)

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 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 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.

15 U.S.C 1692e 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

15 U.S.C. 1681s-2 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

In addition as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification and they have continuously used itemized documents to " verify '' my debt. Attached to this complaint I have several letters and documents contacting these collection Agencies as well as the credit bureaus to try and attempt to remedy this situation, as well as their responses. I also have a copy of my credit report attached to this with several of the inaccuracies specifically highlighted
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-09
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. (NV)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-09
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: Bread Financial Holdings, Inc. (NY)

Comenity took over the XXXX extra points credit card from XXXX but claims to have the same promotional purchase XXXX ( 0 % interest for XXXX for XXXX ticket purchases ). Purchases made after the card transfer were not placed in the promotional plan, but I did not immediately realize it and paid the expiring promotional balances prior to their expiration. Once I noticed the issue I called and opened a dispute- the call center rep told me it could take XXXX days ( that would have been XXXX ) but that my purchases qualified and would all be taken care of/not an issue moving forward. Because the purchases were not addressed the payments for the deferred interest plans were applied to the new purchases and Im now accruing interest that I shouldnt be. I have followed up by phone and in writing and have received no updates or information or response other than someone will get back to me.
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Consumer complaint received 2023-01-08
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)

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-06
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. (NY)

EQUIFAX INFORMATION SERVICES, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : INQUIRY REMOVAL Dear Sir or Madam, While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following company : 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 I did not authorize anyone employed by these companies to view my credit report or make any injury to my credit score. I did NOT benefit from these inquiries on my credit report and I did NOT authorize these companies or EQUIFAX to negatively impact my credit score. 
I demand that they be deleted. 
This constitutes as fraudulent activity due to the unauthorized use of my credit card. In addition, I did not give you EQUIFAX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, EQUIFAX to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-01-06
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. (NY)

TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX RE : INQUIRY REMOVAL Dear Sir or Madam, While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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  Inquiry : May 23, 2021 I did not authorize anyone employed by these companies to view my credit report or make any injury to my credit score. I did NOT benefit from these inquiries on my credit report and I did NOT authorize these companies or TRANSUNION to negatively impact my credit score. 
I demand that they be deleted. 
In addition, I did not give you, TRANSUNION permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, TRANSUNION to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-01-06
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. (IL)

Hello, To whom it may concern, I was a victim of identify theft and I found out in XX/XX/XXXX. There were three inquiries that were made and some credit cards were closed. The following are the inquriries that are still showing up on my credit reports as of today : 1. Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised by the XXXX XXXX to contact the banks for the inquiries listed above so that they can contact the bureaus. I spoke to XXXX on XX/XX/XXXX and they advised me that they have previously sent a letter to the bureaus to let them know this account was fraud months ago. As of now, the inquiry was never removed. XXXX in particular was a company that had an open line of credit which has since been removed. So why did the account get removed but not the inquiry? 

For XXXX XXXX, I spoke to them on XX/XX/XXXX and they advised me that the inquiry should fall off from the credit report as of next month because they had failed to successfully closed the account that I had fraud on. 

Lastly, XXXX XXXX XXXX XXXX XXXX was a company I called and they told me that they do not have my social security on file and that I should reach out to Equifax to have this removed which I already did but they have failed to do so. I submitted a dispute and they have failed to solve my problem.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MS)

the card if my American Express business card. from time to time I am late on a payment. strictly because i get busy and forget. on my XX/XX/XXXX closing date, i was XXXX day late but paid in full. on my next statement i expect a late fee and some interest. I was late and I paid it. that would be the closing date of XX/XX/XXXX. note : this statement was paid on time and in full. 

on the XX/XX/XXXX closing date statement, i notice interest. I called, they said it was interest from the XXXX day late statement. back on XX/XX/XXXX. when you ask, they can not explain it. 

XX/XX/XXXX statement : XXXX day late. which will generate interest on the next statement. 

XX/XX/XXXX statement : late fee plus interest from XX/XX/XXXX statement. statement is paid in full. 

XX/XX/XXXX statement : has NO late fee but more interest from the XX/XX/XXXX XXXX day late. 

how and why : the XX/XX/XXXX statement that included the late fee and interest from the XX/XX/XXXX XXXX day late was paid in full. Hence that stops all interest. you are not charged interest if you pay your bill in full. 

now I dont care what the hidden rules state on the card. this bureau was set up to create fairness and protect consumers. 

I did not mind paying the late fee and interest on the XX/XX/XXXX statement. but if a person pays that statement in full and on time, the interest should stop. under this situation, when will the interest end???? where in my contract does it clearly state if you are late or fail to pay your balance in full, the interest will take XXXX, XXXX or XXXX statements to zero out. 

how do you zero out the interest? that needs to be crystal clear and it is not. this is a scam. and when i called, they can not answer the question. they can not show you in the card agreement where it states, it will take X months to zero out. 

and how does XXXX day late generate interest when the bill is paid in full? i understand it generates a late fee but not interest. your only suppose to pay interest if you carry a balance. 

the entire issue is very simple : how do you zero back out on the interest when you are paying your bill in full every month??????????
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I contacted Wells Fargo regarding multiple overdraft fees that were charged to my account in XX/XX/2022 as a result of a {$14.00} purchase. They charged me {$35.00}, which resulted in a negative balance on my account, and then charged me compounding fees. This was not mentioned in their deposit agreement as XXXX of their standard procedures. I have attached the total fees charged to my account thus far. I even reached out to see if they could at least reverse some of the fees. I was refunded {$35.00}. I've attached some supplementary materials.
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I have previously submitted a complaint and would like an additional review and response. 
CFPB Complaint ID : XXXX As was stated in the response to the complaint ( attachment XXXX ), I did apply for the COVID forbearance, and it was completed on XX/XX/2021. As a result of the forbearance and unprecedented financial burden that my family underwent during XXXX, {$29000.00} was added to my balance at the end of the forbearance period. 

In the response letter ( attachment XXXX ) it states that this was due to past due interest and escrow. However, it was not clarified as to why the XXXX XXXX XXXX XXXX did not notify me at any time that this would be the case. During my forbearance period, I spoke to the XXXX XXXX Department numerous times, and they assured me that I would not be charged during my forbearance and that at the end of my forbearance period, the balance would be adjusted. I was informed that the length of my loan would increase, not that my balance would increase. Since all calls are recorded, can you please review each of my phone calls with your representatives during my forbearance period in order to ascertain that what I am stating is true? In addition, letters such as attachment XXXX, only reassured me that I would not incur any additional charges. Those letters should have clearly stated that I would incur interest and escrow charges at the end of my forbearance period. 

Also, in the response letter ( attachment XXXX ) it states, " since you accepted the modified loan terms to bring your account current ... '' I would like to clarify that I was required to accept the modified loan terms in order to bring my account current. That was the only option provided to me. I did not want to accept it, but I also received a letter ( attachment XXXX ) that my modification agreement will prevent " the referral of your loan to foreclosure. '' I felt compelled to agree with the loan terms that I did not agree with, in order to avoid further delinquency and possible foreclosure. 

As a result of the misinformation and lack of information provided to me by Flagstar and the XXXX XXXX XXXX XXXX, I incurred a balance that is almost {$30000.00} higher than my original loan.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Deutsche Bank (TX)

I am trying to help my mom transfer money she has in XXXX to the USA. It is currently in her Deutsche Bank account. I can not get a wire transfer to the US to work. However a transfer of some funds within XXXX is no problem. So moving it to the US is the problem. I have spoken to the banks on both ends of the transaction and they say they try but it will not go through. this leads me to believe that the US treasury or?? is blocking this. Mom is XXXX and may not have declared the origin of the money ( sale of a property she got from her deceased husband ). How can I fix this so we can invest that money to help cover her expenses?