davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 NA # XXXX ; XXXX  XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX/XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Consumer complaint received 2019-03-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I never lived here. I sent four ( 4 ) certified mail notices and two ( 2 ) emails with a sworn affidavit and a FTC Identity Theft affidavit and I am still constantly harassed for a debt that is not mine. I lived in New York at the time of the alleged debt.
Consumer complaint received 2022-03-31
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: Westlake Services, LLC (OH)

Am a XXXX XXXX XXXX retiree that inquired about one specific vehicle on a used car lot XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. I did not sign a consent for credit to be run. I was verbally told by XXXX XXXX, salesperson, that I was already approved to buy the specific vehicle, which was a used XXXX XXXX XXXX. I specifically told this salesman to not apply for any kind of loan, but just use this approval. He agreed, said I was for sure approved and asked that I send 3 months of bank statements and proof of income. These were submitted online to him ( have kept emails ) and I was awaiting for finalization of deal on XX/XX/2022 for pickup no later than XXXX or XXXX ( substitute teach and working on XX/XX/XXXX ). I called on XX/XX/XXXX and was told by XXXX XXXX, that 'sorry, we sold car to someone else and forgot to call you '. I subsequently have been receiving XXXX to XXXX letters a week in the mail from multiple loan companies that XXXX XXXX XXXX took it upon themselves to apply to WITHOUT MY CONSENT. It is now XX/XX/2022, close to XXXX weeks after which XXXX XXXX apparently ran my credit on XX/XX/XXXX. XXXX, I contacted Credit Bureau XXXX XX/XX/XXXX and they put a 'fraud alert ' on my credit report. I called XXXX XXXX XXXX a little over a week ago and he not only did not apologize, but basically expressed that he did not care -- expressing that the XXXX loan letters for weeks on end is what they do, and did not care that I did not consent.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX  ; XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Consumer complaint received 2022-06-23
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. (NC)

In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXX & XXXX # XXXX
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I received an email from Bank of America saying " Welcome to Online Banking. '' I do not have an account with BoA and never signed up for one. I called BoA 's fraud department that day and learned that an application was in process in my name using an old address from 10 years ago. I was transferred to the Application Department, which said they didn't see an account using my name or social security number ( conflicting with the fraud department ). They then transferred me to the credit application department, which also said they did not see any applications in process. 

On XX/XX/XXXX I received emails saying that my application was approved and an account was now open. The account type is the " Bank of America Advantage SafeBalance Banking. '' I called the fraud line again and they said they closed the account ( though I have not received confirmation yet that it is in fact closed ). I also received an email on XX/XX/XXXX stating another application was in process. The fraud department again said I need to speak to the Applications Department, which is closed today, in order to cancel the application. 

BoA allowed a checking account to be open using an old address. My identity was not verified using a physical form of ID to open the account, nor was my current address used. They were not effective at cancelling the application when I called the first time, causing the account to be opened. Now another application is in process, yet the department I need to call is closed today. These are unsafe business practices and I believe the bank needs to raise the bar to open an account. I have seen several other descriptions on forums of this same thing happening to others where the same account type " Advantage SafeBalance '' was fraudulently opened using an old mailing address.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Charged {$35.00} annual fee up front. I assumed this was charged after one year. I only got the card for a short term thing, and would like to close ... Ive had about one month. Please return the {$35.00}. For anyone reading this ... this is a capital one quicksilver card for people with average credit ... apparently they like to XXXX you with these little fees ... if I had better credit no annual fee, lame.
Consumer complaint received 2018-12-31
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. (NY)

I am contacting your company because Trans Union and  XXXX Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Opened XX/XX/2015 +  {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both Trans Union and XXXX  about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I just got off the phone with US Bank, per my statement is still not generated for my XX/XX/XXXX due date, and I'm in the middle of a refi and need that statement asap. I was told the statement will not be generated until XX/XX/XXXX for a due date for XX/XX/XXXX. The last statement that was generated was on XX/XX/XXXX. 
They are not giving there customers expectable time to make there mortgage payments, and for others trying to close on refi 's there holding everything up. 

I'm in no way in a position of being delinquent, however for others out there this is completely unacceptable. Giving there customers 12 days from cycle to pay is unacceptable and should not be tolerated. Most people won't even receive there statements until maybe the XXXX - XXXX, seeing the XXXX is a Friday. I wanted to bring this matter to someone's attention so that it can be addressed. It is not fair to those that are struggling right now and depend on there statements to budget there finances. 

I can be reached at XXXX if there are any questions. 

Thank you XXXX XXXX
Consumer complaint received 2022-06-22
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. (NY)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : 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 an account without my written instructions.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Background : I have a couple of business loans ( about XXXX ) in my corporations name with Wells Fargo that have been suspended since the pandemic began. I made regular payments on them before the pandemic. For three years since, I have made no payments. 

In XXXX of this year, the bank suddenly took about XXXX from my personal and business accounts and applied it to the loan. I called them and asked them to create a payment plan. They refused. They said they would come after my personal assets for the rest of the loan. I have no personal assets. In fact, after they emptied my accounts, I was at extreme risk of financial collapse. It was tantamount to a sudden and unproved violation that left a family of 4 on the brink of disaster. I pleaded with Wells Fargo to structure a repayment plan ( as I have done with many of my other credit lines ), but they intended to engage in this aggressive posture. My pleas fell on deaf ears.

The outcome I am looking at from this part of my complaint is for Wells Fargo to restore the funds to my accounts and engage in good-faith negotiations to structure a reasonable payment plan. At this point, I am faced with their belligerent threats to drive me into abject poverty by confiscating any and all of my existing or upcoming funds. I am at a loss as to why and how this is allowed. I am not a corporate entity with deep pockets. I have no employees. I am essentially a self-employed individual who has incorporated because of the demands of my profession. Please help me gain mental and emotional stability by limiting the banks ability to violate my family and me.

As an IT professional, I have a limited income and have struggled financially through the pandemic. I need assistance to stay on my feet and continue being a productive member of society. Please do what you can to provide guidance or move to remedy my situation with Wells Fargo to help ease my mind. This has been very difficult for my family and me emotionally, and I need any help I can get to navigate this challenging situation I have been thrust into.
Consumer complaint received 2018-12-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services (NC)

The company is Lendmark Financial in XXXX NC. These people, especially XXXX and XXXX call everyday, even on Saturday. I explain to these people to expect payment soon, as I am trying, to catch up. They then begin to lecture me in paying. What you will not do, is lecture and expect payment as well! I am not a child! Every day they are calling me! If this continues, they will owe me {$500.00} per call. I will continue to charge them until the loan is forgiven. I took a second job to get caught up. If I do not answer my phone, these people continue to call. It is not a game nor a joke. 
This office even has the main office in XXXX NC calling me. This office is in XXXX NC. This stops here. If these people continue to call, I will consider that harassment and take further action.
Consumer complaint received 2019-10-21
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: Experian Information Solutions Inc. (GA)

A few months ago, XXXX XXXX XXXX processed an order to purchase a mobile phone because someone fraudulently used my SS # and DOB. We reported the problem when we received a statement. No problem, they took care of the issue and I filed all the necessary alert, notifications, even the .gov site where you report identify theft. This week, while attempting to access my Experian site, I requested that they send me my user name which I had forgotten. When they replied back that the user name had been sent to my email address, the email address was not mine. I've attached a screen print. I do not recognize this partial email address at all. I have attempted to call Experian to alert them that they have the wrong email address for me. It is IMPOSSIBLE to reach Experian by phone AND reach an actual person. I've tried at least 5 different numbers that all lead me through the same progression but never to an actual person. I have entered my SS # and zip code multiple times but it never results in making progress. It is unconscionable that they can not be reached to clear up this fraudulent use of my information. Thankfully, I have a credit freeze on all my accounts. However, this issue needs fixing. I did not choose to do business with Experian. It should be possible to reach them or even email them. Currently, it is not. Please fix this and clearly, consumers are not able to do anything but appeal to a regulator. Thanks.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance keeps lowing me credit score by reporting a closed account as open. Its for a vehicle i dont even have anymore. I have not made a payment since 2017. I dont have this vehicle anymore. They keep reporting this account in my revolving accounts. I am over 1000 days late. They report im on 120 days late. The account is open and i dont have the vehicle. If this account is open where is the truck?? Why dont i have the truck. They need to be stopped. This is ruining my life. I want to be compensated for all this. I want to seek legal action. The account should be closed. And if they cant fix it and do whats right i am going to have them prosecuted. They were sued for the same things in the past. They are fraudulently reporting this on my credit report.
Consumer complaint received 2023-06-01
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)

Im frustrated to learn that This credit bureau Does not repect or follow the Laws of FCRA. I feel that I have been Grossly discriminated against and also, 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 BANKRUPTCY : # XXXXXXXX XXXX XXXXXXXX BANKRUPTCY : # XXXX XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXX BANKRUPTCY : # XXXX All of these accounts listed above has violated my rights According to 15 USC 1681i ( 5 ). However this credit bureau is saying that these accounts were either updated or verified for 100 percent accuracy. However I asked them how? when the opening date on each account is wrong. I also requested that they provide me proof and a written description of the investigation according to 15 USC 1681i ( 7 ) which they never did.

Additionally, according to 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. Also, I've learned that according to the following FCRA Laws my rights were purposely disrespected because 15 U.S.C 1681 section 602 A States that I have the right to privacy. So reporting the inaccurate accounts blatantly disregard my rights.

Lastly.according to 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish any account information without my written instructions and I have not Giving Any written instructions to do so. These are Serious Violations of my rights. I feel situation is causing me alot of stress because I believe my rights have been violated purposely which makes me loose hope in this whole system. I hope this complaint compels this credit bureau to do their jobs more effectively with the consumers rights being respected. 

I DEMAND THAT AL OF THESE ACCOUNTS BE DELETED IMMEDIATELY!!
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has XXXX XXXX on my hard inquireys when it has been in lock down for 2 years. How is it possible to keep getting inquireys when my file has been. Locked for years. This happened on XXXX XXXX XXXX? I tried calling police but they don't think it is fruad because the company or person didn't steal anything but my credit score which is theft to me. They said if everybody wrote complaint about hard inquirey that the local police couldn't do anything else to help people that didn't loose points buy articles like a house. This happens every couple months to years. They have their customer service in XXXX and they aren't taught are laws but XXXX laws that are nothing like our laws when it has to do with FAIR CREDIT Reporting Acts? This can destroy Americans futures. These XXXX credit bureaus should not be aloud to use XXXX laws ( XXXX not American XXXX. )