davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (VA)

On XX/XX/2022, I discovered an inquiry on my Experian for a department store credit card ( XXXX XXXX ). I immediately called XXXX XXXX at XXXX pm on XX/XX/2022, and was told by the representation that NEITHER my Social Security number nor phone number was used to apply for the card. I tried to call Experian the same day and was told I would have to call Monday morning. I called Experian Monday, XX/XX/2022, at XXXX am and spoke to XXXX. I was assured the error would be removed and a message was posted on my account for a year. I was also told Experian would contact the other two credit agencies. The information was not removed in the 24-48 hours and I contacted them again to get it removed. Experian is telling me it has to come from XXXX XXXX. XXXX 's tells me since none of my contact information could be mirrored on any of their accounts it was an Experian issue. My credit is XXXX and I am trying to increase my score. I disputed several items on my account which were removed immediately, however, this is a blame game with XXXX XXXX and Experian. If I didn't apply for a XXXX 's card it should be removed and investigated. I have not been impressed with Experian. For a two-month period, my balance was not updated. Experian suggested I contact the companies who hold my debt. I contacted XXXX and XXXX XXXX and both told me they report each month and it was an Experian issue. A few days later it was corrected. However, it is apparently clear that when Experian makes a mistake they want to defer it to someone else instead of fixing it.
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have a conventional hoome mortage with Wells Fargo Bank. Recently, Wells Fargo emailed me and offered covid-19 assistance to defer three of my mortgage payments. Wells Fargo claimed that the deferment of payment wasn't going to effect me in any way, shape or form. They weren't going to report me to the credit bureau, they wouldn't charge late/interest fees. Long story short, I wasn't going to be reflected on my account at all. All I did was go on my Wells Fargo Account page, clicked a couple of buttons and automatically enrolled. A couple of weeks ago, I started a refinance on my mortgage to lower my interest rate. I completed everything with my refinance company. The called me a couple of days ago telling me they can't refinance my loan because it shows me being in " forbearance '' status with Wells Fargo. I was told that Wells Fargo listed my account in forbearance, and indicated that zero payments have been made on the mortage to the credit bureau. They never EVER mentioned once that I wouldn't be able to refinance my mortgage if I take advantage of the payment deferral with them. I feel like I have been lied to and now I won't be able to refinance my loan for at least 1 year, which Wells Fargo never told me before. I have been devastated because I needed the refinance to lower my monthly payments and Wells Fargo with their shady practices have ruined that opportunity.
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc. (PA)

I bought Refrigerator through XXXX XXXX   store & 3month finance through American First Finance XXXX101 days to pay off {$1400.00}. There was {$50.00} fee for application that was separate from amount to be financed. So three payments of {$240.00} to be paid XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. This would leave {$710.00} to be paid in full by XX/XX/XXXX, as XX/XX/XXXX fInance charges would be added. Additional payment of {$500.00} was paid on XX/XX/2022, and the remaining amount of {$210.00} ( this makes it paid in full ) paid on XXXX XXXX. Here it is XXXX & they American First Finance is attempting to take another {$240.00} and I had to put stop payment on it. I am out not only {$35.00}, but American First Finance made a 2nd attempt to take money that they were not entitled to & I have another {$35.00} fee to pay my bank.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX  XXXX {$180.00} XXXX  XXXX {$370.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$280.00} XXXX/XXXX  XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX/XXXX XXXX {$780.00}
Consumer complaint received 2022-11-05
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-10-11
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. (IL)

EXPERIAN has broking the law. EXPERIAN assumed this role I never gave them permission in the first place to have my private information that's identity theft. EXPERIAN is not exercising their grave reasponabilty to insure me the consumer has fairness, impartiality and respect to the consumers privacy .EXPERIAN violated 15 usc 1681e ( A ) ( B ) ( C ) ( D ) They continue to violate the FCRA. Pursuant to 18 usc 8 I own no debt. EXPERIAN violated my consumer right to privacy pursuant to 15 usc 1681b2 EXPRIAN has no permission to report ANYTHING using my information pursuant to 15 usc 1681A. The accounts in question is XXXX XXXX XXXX  LATE PAYMENT ) and XXXX XXXX CHILD SUPPORT ( LATE PAYMENT ) Me being the Consumer my rights have been violated and I want that late payments removed immediately. And don't act like you don't no my information because you have all you need.
Consumer complaint received 2022-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (VA)

XXXX has illegally hired a debt collector and illegally shared my information and subjected me to spying, stalking, and XXXX terror, identity theft, blackmailing and more. My account was set up so there can no automatically payment can be made, and then they closed it so during the so I had no accesses to my account during the time period they want to charge me for. Then I get an email from a illegal debt collector who claims to have been hired by XXXX. After receiving the scam debt collector agency, I contacted XXXX and demanded them to cancel the false debt collection, which they did not. I herby press charges against XXXX, and Rozlin Financial Group, Inc ( RFGI ). Please arrest everyone involved and make sure that they can not ever terrorize the citizens of the united states again. 

Thank you. 

XXXX XXXX Rozlin Financial Group, Inc ( RFGI ) XXXX XXXX XXXXXXXX XXXX, IL XXXX ( XXXX ) XXXX Website : www.rfgionline.com Pay online : www.rfgionline.com/pay
Consumer complaint received 2022-11-05
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. (PA)

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 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 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Yesterday I deposited {$5000.00} cash via the ATM into my Bank of America business checking account. The ATM stopped functioning during the transaction and I have only been credited with a {$3600.00} deposit. The bank did not issue any receipt for my deposit. They said I would receive an email confirming the error and that it was being looked into but I have nothing. They said I would see some kind of credit to my account but I dont have that either. I have nothing in writing to confirm what happened or that the issue is being looked into. Basically I gave the bank {$5000.00} cash, and theyre only crediting me for {$3600.00} with no evidence provided to me that they acknowledge an error occurred. They have essentially stolen {$1400.00} from me.
Consumer complaint received 2022-10-08
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. (MO)

Credit Bureaus claimed that the accounts were verified, but it is obvious that everything is electronic and therefore they never talk to anyone to do a " reasonable investigation '' as required by law I actually disputed some of the accounts directly to some of the creditors and they never responded to my request for investigation, just refuse to validate the debt they claim I owe as requested by the FDCPA., yet the bureaus turn around and tell me that these accounts have been verified by the creditor. I would appreciate it much if you remove the items I will be listing below
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Global Payments Check Services, Inc. (FL)

On XX/XX/XXXX Sunday the Global Payments Gaming Services is denying me to have my personal checks cashed through their services at Gaming Establishments. 

When I asked why they are refusing to tell me. I haven't used their services since the XXXX 's and I satisfied all checks in the allotted time that was given at that time over 20 years almost ago!
Consumer complaint received 2022-10-08
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: PNC Bank N.A. (AZ)

There were many disputes unanswered with My Bank PNC and my job at XXXX .. A portal at XXXX  made without my consent a compensation change and payment election were chosen, after that I had nothing but problems I did not even know my routing number changed when BBVA was changed over to PNC XXXX A account by the name of XXXX XXXX with a different routing number was being used. Loan payments sent through my account for private banking XXXX which I never initiated, shares from my credit union at the time were bargained with. Which I was unaware of. My email was hacked as well as my telephone. I went to address these issues numerous times only to be dumb downd by the bank executives.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The foreclosure of my home happened while no notices were ever sent to me, nor was ever posted on any part of my residence, I hereby accuse XXXX XXXX XXXX XXXX XXXX and the law offices of XXXX XXXX, XXXX  of violating all foreclosure law and procedures. I have nor had any knowledge of foreclosure activities against me or my property until a change of ownership notice was left taped on my front door. 
I strongly believe the lender and its trustee have broken the law by foreclosing on a property with any Debt validation nor any proper foreclosure notices at stipulated by California civil code 2924. ( a ) through ( F )
Consumer complaint received 2022-11-05
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 2022-04-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (NC)

Took a SunTrust loan towards a vehicle purchase in XX/XX/XXXX. The loan was transferred to Truist. After paying down the loan in full in XX/XX/XXXX, was unable to log into Truist website to review account details, payment history or get account statements. Every time I successfully logged in, the system would automatically log me out instantly. 

After several unsuccessful attempts I called Truist customer support and the customer support representative mentioned that Truist doesn't allow customers access to their accounts online once the accounts are closed or paid in full. 

It's baffling and beyond reason how in XXXX a digital banking company like Truist would deny its customers access to their own financial information and more importantly break several FCC rules around customers ' rights to their financial information. 

I did have an internal complaint registered but the customer service representative couldn't share with me the details of this complaint. 

This is utterly disappointing and frustrating and I will likely never bank or transact with Truist willingly in the future. I would not recommend Truist to anyone.
Consumer complaint received 2022-08-11
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: National Credit Adjusters, LLC (GA)

With XXXX I have issued a letter of receipt for XXXX  acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With National Credit Adjusters I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by XXXX I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and XXXX ignores them and allow the creditors to lie. NCA  confirmation # XXXX & XXXX  # XXXX
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (WA)

An unknown person with an telephone # beginning in XXXX called in to XXXX   last week trying to breach my account. Netspend/XXXX  put my acct onhold. I called in several times this week XX/XX/XXXX thru XX/XX/XXXX. 
XX/XX/XXXX I was not able to get thru to anyone on several attemptd, in which i can get phone records and recordings for calls. TuesdayXX/XX/XXXX..I spoke w/ reps " XXXX Bagde # XXXX and XXXX # XXXX i WAS N 2 SEPERATE CALLS EACH FOR AN HOUR AND then they hang up while i was on hold ... THEY CLOSE at 4 my time ... the 2nd call w/XXXX  adv me she needed to call mycell phone while i was aqt work to verifyits me ... so I left my job to accomodate ... she sed she will call in 4-10 min and never did at which that 10 min mark was whn they closed. XX/XX/XXXX i start again in the morning calling on hold another hour, the woman on the phone advised ne they are gon na have to close myaccount and send a check to address on file. I advised the woman on the phone that im in the middle of moving and that address is not good and i would like to find a diffrent solution and asked for a supervisor ... .she put me on hold where i was for 10additional minutes to only have her end the call. I had taken so much work Time iff During the 2 days ... I couldnt take more time and call back .. XX/XX/XXXX I believe the rep from the previous day closed myaccount ... as today they had a hard time finding my account ... so today my 1st rep was XXXX badge # XXXX ... i ASKED IF HE KNEW WHO THE4 CFPB WAS HE SAID he had no idea ... adv will be making comoplaint today so ineed to make sure we tryn to handle my call a little better today ... he transfers me to supervisor XXXX badge number XXXX THIS IS ABOUT 20min into call ... he places me on hold after advising me neither does he know who cfpb is..he states i need to speak to fraud dept now ... they left me on hold for an hour and 36 min until they closed and call just went dead ... They have XXXX of my money and cant touch it or talk to anyonte about it ... i BELIEVE THIS IS THEFT. I NEED HELP
Consumer complaint received 2022-10-16
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. (GA)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.
Consumer complaint received 2022-10-08
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: FIRST NATIONAL BANK OF OMAHA (CA)

THE PROBLEM IS WITH INVESTIGATION THAT TOOK PLACE WITH CREDITOR FNBO THE COMPLAINT WAS FILED THROUGH CFPB AND RESPONSE CAME THAT THE INFORMATION IS ACCURATE AND BELONGS TO ME ITS ABOUT FNBO CARD I SUBMITTED COMPLAINT TO XXXX ABOUT ADDRESS THAT DO NOT BELONG TO ME AND UPON INVESTIGATION XXXX CAME WITH A CONCLUSION THAT ADDRESS DID NOT BELONG TO ME AND ERASED IT AND THE ADDRESS WAS XXXX XXXX XXXX SAME ADDRESS THAT WAS USED TO OPEN THESE ACCOUNTS SO HOW THE VERIFY THAT THE INFORMATION IS ACCURATE WHEN THEY SHIPPED THESE CARDS TO THE ADDRESS THAT I NEVER LIVED IN? I UNDERSTAND THAT NAME DOB AND SSN IS MATCHING AND ARE MINE BUT IT IS NOT PROPER REASON TO BELIEVE THAT ACCOUNTS WERE OPENED BY ME THAT WHAT ITS CALLED IDENTITY THEFT WHENEVER SOMEONE IS USING YOUR INFORMATION WITHOUT AUTHORIZATION TO OBTAIN GOODS OR SERVICES UNDER YOUR NAME IF ITS CELLPHONE THAT THE NUMBER IS TRACING TO ME I HAD A OPEN DISPUTE WITH XXXX ABOUT STOLEN PHONE WHEN I ORDERED IT SO THERE IS ABSOLUTELY NO EVIDENCE OR SUPPORTING EVIDENCE TO KEEP THIS ACCOUNT ON MY CREDIT REPORT
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.
Consumer complaint received 2022-10-08
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. (FL)

I've been trying to get these fraudulent inquiries removed from my credit report for a while now. I told them that i didnt authorize any transactions from these businesses. One of those inquiries is for a gas station... i would never apply forb a gas card because my credit bureau already gives me 3 % cash back plus a whole lot more than some gas card! I also tried to explain to experian that i dont have an account with first XXXX XXXX XXXX but they said they wont fix it because im an authorized user? But they are playing games with me because everyone knows that authorized are not to have their files pulled because ita a breach of private. Im not sure why they are being difficult but I'd appreciate it if you can help me get them removed because i dont want them on my credit report.. then i can move on. Thanks you *** i just remembered that I also have a late payment on my credit report by XXXX XXXX XXXX i just forgot about it after a while because they kept playing games. I paid the account on time... it was just on a holiday ( XX/XX/XXXX ) and i was informed that no late payment would be given. Years later, when i got serious about my credit, i saw the late payment but i already had paid the loan off. SEVERAL times, I've informed the credit bureaus that I was never late but they keep saying that the account was verified? How does that even make sense when im the one who had the car and i know i was never late? Moreover, they cant even get their lies straight! Experian says i was late on 1 month but then XXXX says another? Please help me with this situation as well so i can finally relax. Thank you