davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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: WELLS FARGO & COMPANY (CO)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments on multiple accounts ( list the accounts ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX and XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-01
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

I have been struggling to pay for this house while the repairs are taking place. Fay Servicing has done everything possible to not release my escrow funds to continue my home repairs. XXXX, 2022, I was approved for $ XXXX from my flood claim. I received the check and ended up terminating the contractor therefore, I sent the check back to Fay to deposit back into my escrow. I informed Fay that I will be looking for another contractor and contacting them once I have a signed contract to receive the XXXX. I contacted Fay ( 3 ) weeks ago requesting to receive the 15k for my newly hired contractor. Here we are ( 3 ) weeks later after many, many phone calls, Fay has still not released the funds. I have been told that I need to go through the approval process which takes approx 5 business days. ( 3 ) weeks later, no check no approval. Why should I go through the approval process when I was already approved in XXXX? Meanwhile, Fay demands the mortgage payment or my home will be foreclosed but they fail me for every home inspection and refuse to release funds in a timely manner.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

At the beginning of the pandemic, I have tried to speak to XXXXhellpoint Servicing Company, who are the servicers of my loan. I had initially requested a forbearance in XXXX which they had granted for 3 months easily. Then in XXXX I submitted a request for extension via their website portal. I had not received any response and in XXXX my account was past due. I called several times and finally spoke to someone that told me that the extension could not be processed because they were missing documents from me. I was not aware that I had to submit any documents, other than attesting my hardship which I did when submitting the request. On XX/XX/XXXX, I sent the documents. With no reply I kept sending them via fax and email. On XX/XX/XXXX, I finally received a response that the letter is not accepted due to it not having a signature. At this point the account is 2 months past due. I submitted it promptly and I received an email on XX/XX/XXXX, stating that there have been " several attempts '' to contact me, which is untrue. Finally on XX/XX/XXXX, I see in the web portal that the forbearance extension is processed but now the due date is 9 days away. I request for an extension for until XXXX at least. Through much back and forth, I was notified on XX/XX/XXXX, my extension was granted at the maximum that they allow, which is 6 months from XXXX. That means my account is now due again. I have tried to contact them regarding extending it further but there has been no response. Still to this date, XX/XX/XXXX, I have received no response, even though I have made several attempts to contact them. 

I have been continuously trying to contact them and it is a very arduous process to have anything accomplished. They finally extended my forbearance for a month, but it took them a month to do so and now my payments are due again. 

Their business practices are very frustrating as it is difficult to get anything accomplished within a sensible time frame. They consistently say that there has been " several attempts '' to contact me but that is untrue. I have been patient but with the forbearance payments past due I am forced to take action as it seems my efforts have been in vain. I know that the loan is not federally backed so it is not protected under CARES act, but I still would like to have a response in a timely manner so I can figure out what to do without having to worry about losing my home.
Consumer complaint received 2020-12-03
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. (FL)

Now I am providing the documentation/proof that XXXX  XXXX XXXX and the reporting companies are complicit in reporting grossly incorrect information on my credit report. I've disputed it, filed complaints but both XXXX  and the reporting agencies have refused to investigate and correct the problem. XXXX should have this exact documentation OR, the documentation they do have is incorrect and not only do they need to correct the information but also refund the payments they never accounted for and include interest and penalty amounts for all of the time spent and damages experienced ( declined loan, credit cards cancelled ... ) due to the entry and negative affect to my credit from this over the years. 

The bottom line is they state I was 30 days late with payment in XX/XX/2016 but I was not as the documentation clearly shows. In fact, I made payments to XXXX through XXXX of that year and only in XXXX did they refund the money. Also and in reality, at the time I was trying furiously to stop these payments and they would not stop them which I should also have all of that documented so this is not an oversight, this is XXXX intentionally trying to harm my credit and thus harm me personally. Not only XXXX but also the credit agencies as well as they were informed of this issue and they chose to side with XXXX 

The attached documentation is bank statements showing the automatic payments to XXXX XXXX XXXX and then only in XXXX did they stop and refund the payment.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX reported a charge off on a lease that was returned over a year ago. 
the unscrupulous dealer ( XXXX XXXX NJ ) advised at the lease end that any fees would be adjusted based upon the fat that I had 3 leases with XXXX all in good standing. 

XXXX reported it as a charge off this is unfair business practices as their dealer stated no charges were due at lease termination.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

HELLO MY NAME IS XXXX XXXX XXXX XXXX I HAVE INCORRECT INFORMATION IN MY CREDIT INFORMATION AND I HAVE BEEN A VICTIM OF IDENTITY THEFT, PLEASE DELETE THIS COLLECTION THAT IS FRAUDULENTLY MADE FROM MY CREDIT REPORT, HERE I SEND YOU THE IDENTITY THEFT, PLEASE DO NOT PLACE A FRAUD ALERT, AND IF THERE IS A FRAUD ALERT PLEASE RENEW IT THANK YOU
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (OK)

PLEASE NOTE : I am a consumer making this statement on my behalf and I am not using any third-party agencies to assist with this matter. I am asserting my rights in accordance to 16 C.F.R. 433.1-2.

I, the consumer is in receipt of documentary evidence that on multiple occurrences the company in question has violated my right to privacy and has stolen my personal and private valued consumer data. 

In accordance to 16 C.F.R. 603.2 ( a-b ( 1 ) ) Identity Thief is ( a ) The term identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
( b ) The term identifying information means any name or number that may be used, alone or in conjunction with any other information, to identify a specific person, including any ( 1 ) Name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; PLEASE SEE ATTACHED EXHIBITS A : 1/5 & B The unauthorized use of my personal and private valued consumer data has been used by the company, through the use of the postal service to communicate unsolicited credit card offers violating 15 U.S. Code 78j Manipulative and Deceptive Devices, 15 U. S. Code 1692e False and Misleading Representations, 18 U.S. Code 1341 Frauds and swindles, 18 U. S. Code 1028 Fraud and Related Activity in Connection with Identification Documents. 
PLEASE SEE ATTACHED EXHIBIT A : 2-3/5 The company in question has sent unsolicited deceptive instruments that lack full disclosure and are in violation of 42 CFR 1001.1101 and fails to disclose the calculation of the finance charges and/or annual percentage rates in accordance to 15 U.S. Code 1605 PLEASE SEE ATTACHED EXHIBT A : 4-5/5 I, the consumer did not authorize or consent to my personal and private valued consumer data to be used by the company in question for solicitation or advertisement purposes. I have not given the company in question any written or verbal consents to be contacted. The company in question is in violation of 18 U.S. Code 1028A Aggravated identity theft and 15 U. S. Code 1611 ( 1 ) - Criminal liability for willful and knowing violation by furnishing multiple unsolicited documents. 
PLEASE SEE ATTACHED EXHIBTS A & B NOTICE : PLEASE CONSTITUE THIS COMPLAINT AS A NOTICE OF INTENT TO SUE WITHOUT RECOURSE U.C.C. 1-308/1-207
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY (TX)

I open an checking account with wells fargo last year. I used my overdraft that was a service availableto me as A checking account holder. Shortly after I miscarried and was off work for a few months. As A result I faced some finacial hardships and was unable to bring the account to A positive balance. A family member willing to help me keep the account wrote me a check to cover the over draft and I would have a few bucks left. I deposited the check and the next day I was advised by the family member they wront the check from the wrong check book and that I needed to stop the check from going threw. I contacted wells fargo and advised but XXXX of the check had already become available. The lady said it would put the account back in overdraft and that they could not reverse the check as it has already been deposited. That brought my balance to A negative XXXX or so. I went to pay this balance and reopen an account and was informed I was showing on early warning consumer report. I requested a copy and to my surprise wells fargo and has reported the account closed due to account abuse. Which was incorrect information. The account was closed due to the overdraft balance and I didnt resolve it in a timely manner due to me being off work from a XXXX. I reached out to wells fargo and was informed somebody would contact me to get this inaccurate reporting removed from early warning and allow me to pay the balance I owed. It has been over aonth and no response from neither early warning or wells fargo.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I had a loan with XXXX XXXX XXXX from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, XXXX XXXX reported I was XXXX late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to XXXX, Equifax, and XXXX as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with XXXX XXXX.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX my 0 % balance transfer promotion ends. 
According to Credit Card Act XXXX Section 164 B.2 Two months prior to promotion expiring, excess payment over minimum is applied to balance on which interest is deferred. 
XX/XX/XXXX I made an autopay of XXXX ( minimum ) XX/XX/XXXX I made an additional payment of XXXX intended to be applied to the promo balance 0 % that expires XX/XX/XXXX. It was not applied to that balance. 
XX/XX/XXXX I contact Citi customer service and ask for that payment to be allocated to expiring promotion in accordance with this section of regulation. I was told we understand but our system has no way of adjusting that. 
Im wondering how many people are being left with an unexpected interest charge due to this noncompliance.
Consumer complaint received 2021-10-13
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. (PA)

the Following inquiries are fraudulent and authorized inquiries I WANT THEM BLOCKED AND REMOVED FROM MY PROFILE XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Late closed/Open : This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OR)

On or about XX/XX/2022 I tried to send {$250.00} via Venmo to a friend who was having financial problems. She didn't know how to set up her bank to receive so she rejected it, with the help of a Venmo customer service agent. Because of that they froze my Venmo account and they have not transferred the {$250.00} back into my bank account. I have worked with a customer service agent probably 10 times, twice today, and nothing. Change passwords. I have done that about 6 times. Send in my ID to verify myself. I have done that 3 times and they keep asking me to do the same thing over and over. I have corresponded with them over 20 times via email since then and nothing. They keep asking over and over for the same thing. Change my password and verify my ID. I want my money back and they don't seem to want to give it to me so I came here for help. I can not get into my venmo account to get anything like the inability to transfer to payee. If you want copies of all the emails, XXXX correspondence or anything else let me know.
Consumer complaint received 2022-11-30
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 2024-09-02
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. (NY)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2022-08-20
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. (MI)

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened. I've sent dispute letters in the past and have been having a hard time getting everything removed. Please remove these accounts as soon as possible.