davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
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. (NH)

-On XX/XX/2020 I applied for a mortgage and my credit report was legitimately accessed by the mortgage company -It was discovered that my credit was significantly impaired due to a fraudulent delinquent item on my credit report -The charge in question for {$1700.00} was fraudulent, details as follows : XXXX XXXX, Account # XXXX, opened on XX/XX/2020 -Sent to collection XX/XX/2020, collection company : -XXXX XXXX XXXX, phone # XXXX XXXX XXXX XXXX  XXXX  repeatedly, they answered but hung-up each time upon transfer or otherwise -Called XXXX XXXX XXXX XXXX repeatedly and they hung up on me each occasion -Fraud report # filed under Experian : XXXX -Police report filed on XX/XX/2020 with our local police dept.
Consumer complaint received 2020-11-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIRST NATIONAL BANK OF OMAHA (TX)

On XX/XX/XXXX I received a phone call from someone who claimed they worked for XXXX XXXX XXXX A firm that had been tasked with collecting a debt I owed to my XXXX credit card that had been issued through First bank Nation of Omaha in XXXX. The firm representative called my partner since didnt have my contact and thats how she got my number. She told me that her law firm was preparing documentation to have me arrested for the debt of {$1700.00} that I owed to XXXX. She threatened me with arrest and told me I had to make the payment in full to avoid it. I told her I didnt have that much money in my account and for fear of being arrested I asked her for my other options. She suggested that if paid 40 % of what I owed, my debt would be settled. I ended up paying {$710.00} using me debt card to her over the phone to XXXX XXXXXXXX XXXX as shown on my bank statement and I was told a receipt would be mailed to me and that the debt had been settled and would reflect XXXX balance. I didnt think much of it until a derogatory debt from First Bank National of Omaha showed up on my credit report earlier this month showing full balance of what I owed for my scheels credit card. I did more digging into the payment I had made but was not able to get a lot of help from XXXX XXXX XXXX  and my bank cant dispute the payment as its been almost a year. The bank suggested I fill out a police report but I did more research it brought me to this.
Consumer complaint received 2023-03-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account XXXXXXXX XXXX DELAWARE # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXXXXXX 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 FLORIDA # XXXX, XXXX XXXX XXXX FLORIDA # XXXX XXXX XXXX XXXX XXXX FLORIDA # 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
Consumer complaint received 2022-05-02
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

I have an auto lease with XXXX XXXX  XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX  XXXX Date opened XX/XX/2006 Balance {$0.00}.
Consumer complaint received 2022-05-01
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. (GA)

XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Im trying to getting my report on equifax and they have somebody else social security I already send copies to support my identity and they still havent fixed and I can see my credit report because at that issue. I send yall copy of the social security that have wrong in my account please help fix the because its annoying to see that on my file
Consumer complaint received 2022-05-02
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: U.S. BANCORP (CA)

The bank representative started off by promoting their credit card the XXXX XXXX in XXXX as he stated their wonderful product that gave XXXX points for dining and XXXX points for groceries and gas. Those are the things I use most so I was sold on the concept. So I applied and he suggested to use the mobile app and go paperless. I started the mobile app but still requested the paper statements to cross reference if I needed too. I recently needed to cross reference some charges and realized I have not been getting the points I was told in the very beginning. I am actually getting XXXX points for dining and XXXX points for groceries and gas. Its been going on since when I first got accepted even though the mobile app states XXXX getting the XXXX and XXXX. Basically its fraudulent that they advertise XXXX thing but give you another. Bait and switch is what I have and Ive contacted US Bank card member services on XX/XX/XXXX, XX/XX/XXXX. The first customer service person lied about my points. She insisted I am getting the correct points. The second customer service rep XXXX acknowledged the discrepancy and offered me XXXX pts. I agreed to it and also wanted all my points from the very beginning to be added to my account. She told me a supervisor would contact me on Friday, XX/XX/XXXX but nobody called. I then called today XX/XX/XXXX and spoke to XXXX and then XXXX the supervisor from card services at US Bank, Altitude Go which stated they are looking into it. I told her to add up my purchases for dining and they dont add up to XXXX points. She refused and told me rewards department would do it. I never got XXXX points stated by XXXX on XX/XX/XXXX. I did receive a survey of my call experience but XXXX quite dissatisfied. False Advertising/ Bait and Switch Tactics by US Bank
Consumer complaint received 2022-03-11
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. (CO)

This account is reflecting my credit report and it does not belong to me. I have spoke to XXXX XXXX with an agent by the name of XXXX XXXX he informed me this account is not in their system under my personal information, FULL NAME, DOB SSN. I have spoke to them a times and they dont have any record of it. I have filed a police report, FTC complaint and tried disputing it with Equifax but I have not had any success. I have a copy of my lease which shows I have been renting the XXXX XXXX  around the same date. This account does not belong to me
Consumer complaint received 2021-01-27
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: WELLS FARGO & COMPANY (TX)

Wells Fargo illegally opens loans, for customer. - and masks the loan as escrow in the beginning of the year as an addition to customers actual mortgage balance, and reports that annual balance to credit reporting agency, while reporting the true mortgage balance to customer.
Consumer complaint received 2023-03-03
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: Professional Finance Company, Inc. (FL)

These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as Professional Finance Co. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector XXXX XXXX XXXX, The Original debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (TX)

WELLS FARGO SETTLEMENT XXXX XXXX VS CFPB Wells Fargo Auto XXXX mismanaged my loan and wrongly repossessed for XXXX XXXX. 
The Wells Fargo Auto loan occurred on XX/XX/XXXX. At the time I complained, but fell on deaf ears. I did exactly what Wells Fargo told me to do and this still happened. The Repo action was on my credit report causing my financial damage. The loan and car value at the time was approximately {$200000.00} VIN # XXXX Wells Fargo had a payment plan in place for me. I made the payment in the time promised. 1 month car payment. 

My car was wrongfully repossessed days later. 
Initially I thought my car was stolen, but Wells Fargo Auto XXXX worked out an agreement with me that I complied with, and yet my car was still taken. 
My payment to Wells Fargo was received and deposited. Approximenty a week after repossessed, my car payment cleared my account.

I read an article in USA today about the settlement between WELLS FARGO and CFPb. I am victim in the lawsuit and should be compensated.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I would like to file a complaint against the following consumer reporting agencies. XXXX  and Equifax I originally made each of these agencies aware of inaccuracies on my credit report due to identity theft in XX/XX/2019. Each month since then I have sent them proof of those inaccuracies. In my recent disputes to XXXX   and Equifax on XXXX XXXX I submitted proof to them that the creditors had not legally verified my accounts. In addition I have sent proof that my address and drivers license number was different from the ones held on file by the creditors. Also The creditor were not able to provide the original contracts bearing my signature. However XXXX  or Equifax has not removed these inaccurate accounts.They have told me that these accounts were verified I questioned how. Their method of verification was not disclosed to me despite my request. These account are inaccurate and should be removed. These agencies also allowed the creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  to re age the accounts showing missed payments and a past due balance after being charged off.
Consumer complaint received 2023-03-03
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. (DC)

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 Accounts name # XXXX has violated my rights 1 These reflect FFIEC-approved procedures. 2 15 U.S.C. Secs. XXXX. 
3 15 U.S.C. Sec. 1601 et seq. 
4 Pub. L. No. 108-159, 117 Stat. 1952. 
5 Section 1029 of the Dodd-Frank Act generally excludes from this transfer of authority, subject to certain exceptions, any rulemaking authority over a motor vehicle dealer that is predominantly engage in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. 
6 The agency responsible for supervising and enforcing compliance with the provisions of the FCRA and the implementing regulations will depend on the person subject to the FCRA ( e.g., for financial institutions, jurisdiction will depend on the size and
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union cost me a job in the past for including incorrect information on my report. Now they are playing with my credit score because they know I am a women own a XXXX  applied for the sba loan and they work hand in hand. My score dropped to a 400something which I have never had in my life with the other credit companies have my score 130 points at least higher. They are always unavailable for any disputes. You can not send them letter they do not respond and now they claim to be busy. I have worked on their XXXX XXXX and they sare information sell information that americans have no clue about and just trust any company. Just like the covid being treated wrong and because of american greed trans union reports wrong information. I am in control of my information not them and they better remove XXXX XXXX XXXX   etc and all of my late payments. It is incorrect - and I have never been late on any accounts - also inquiries which car dealerships did with out my approval next to complain about - My XXXX lease came to end PAID on time - I purchase dthe car from XXXX  ... .no inquiries necessary from any vendors Remove everything late and you better get my credit score to where it should be crooks! You are not playing with me just because I applied for my business for the sba and yes you are in cahoots! Trans Union needs to be audited! how they misuse the information not the first time! Their data is not secure they use legacy equipment they do not do backups ... .etc etc
Consumer complaint received 2023-03-07
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Real Estate Equity Exchange, Inc. d/b/a Unison (TN)

I JUST DISCOVERED TODAY THAT ITS NOT ONLY UNISON VIOLATING EVERY POSSIBLE CONSUMER PROTECTION LAW, BUT ON THEIR PAYOFF THE INVESTOR XXXX XXXX XXXX I, XXXX AS WELL ( ATTACHED ) This company marketed themselves as a Heloc alternative, they had me complete an application, they pulled my credit, had me provide income documentation and then right before funding the loan that they claim isnt a loan their sales reps told me that I would need to dismiss my XXXX  XXXX bankruptcy that I had been involved in for two years and provide proof that it had been done. ( attached a couple of these emails in a quick search through my email ). A simple XXXX search has shown several pending lawsuits, including TILA lawsuits and their XXXX  site is full of similar complaints. I am sure you will find many more on PACER then my XXXX search below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They claim to not be a lender in order to avoid adhering to TILA, but take all of the same steps as a lender would. Even the funding of loan and repayment. The reason I am looking to get help is that I closed on this loan 13 months ago for XXXX, I am now over a week past my closing date and they sent me a payoff based off of an appraisal that they never shared with me, instead of the actual purchase price which is XXXX higher then what the actual sales price is. What they are doing is wrong and likely a TILA violation, predatory, and I am sure in my case violates bankruptcy law.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (MI)

Purchased a {$200.00} XXXX XXXX gift card. Went to XXXX to make a purchase in the amount of {$190.00} and it was declined. I called the gift card company and they told me that there is a limit and I can only spend {$100.00} of the available {$200.00}. I asked to speak to a supervisor and the supervisor told me that XXXX is not an approved merchant. I informed him that this is a universal XXXX XXXX  gift card and should be accepted wherever XXXX XXXX is accepted. He told me that I was wrong and that he would send me a list of approved merchants. He never sent me a list of approved merchants and I read the terms and agreement on my gift card and there is no such limitation of the amount or list of approved merchants. It states the card can be used wherever XXXX XXXX is accepted.
Consumer complaint received 2023-03-05
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: FORD MOTOR CREDIT CO. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6o2, states I have the right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I had a Wells Fargo auto loan since XXXX. I paid off the loan in full on XXXX. A few weeks past and the bank took my payment after I officially paid the car loan off by bill pay. I got the run a round that it was the bill pay responsibility, Bill pay informed me that it was the auto departments responsibility. Auto department stated that it was ACH departments responsibility. Finally, I had a customer rep filed a claim on my behalf. I was able to receive my over payment of XXXX back to my checking account on XXXX XXXX. I also received a letter from the banks auto department that everything is paid in full and I have the title of my vehicle. On XX/XX/XXXX, I received in my checking account the monies that I had paid in full. I tried by phone for several days that the money in my account was not mine. They gave me the run around and cut me off the phone. I went to the Wells Fargo branch near my home. Today, the branch manager assisted me for several hours explaining to them that the money in my account is not mine. She even explained of the letter from the auto depart. They were not cooperative. The auto department stated that they were not going to take away any fines and interest. The auto department is being unethical and having me pay interest of XXXX for receiving the money back and having it for three days.
Consumer complaint received 2023-03-06
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. (CA)

it has been four years XXXX  keeps replying to my disputes with a verified message. consumer reporting agencies must CORRECT OR DELETE INACCURATE, INCOMPLETE OR UNVERIFIABLE INFORMATION. 


XXXX XXXX XXXX XXXX  ACCOUNT # XXXX invalid phone number ( XXXX ) XXXX XXXX. 

invalid address. XXXX XXXX XXXX # XXXX XXXX, ca XXXX reporting incorrect information for over 4 years please delete or provide validation
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

Navient is reporting late payments on account which are jeopardizing my credit score. 
My account was not late and I expressed to Navient many times that I am out of work and am unable to make payments in which they promised to defer my payments for the dates that they are reporting as late. 

The dates that they are reporting late is listed below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I need this removed those late payments are keeping my score low and I am unable to get a job. 

Thank you
Consumer complaint received 2023-03-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (AZ)

In XX/XX/XXXX, the debt collector threatened to add this medical debt on my credit file, and stated my score would go down. I inquired about the debt collector sending me Proof of the debt. I received the document and reached to the creditor. I advised due to the Presidents XX/XX/XXXX, Executive Order on strengthening access to affordable, quality health care coverage, that the debt could not be added to my credit file for 2 reasons : 1. The medical debt is under {$500.00} ( {$480.00} ) and that the collection agency has had the debt less than 6 months ( They received it in XX/XX/XXXX ). In the Executive order the President 's Administration also noted the following, the Consumer Financial Protection Bureau ( CFPB ) will investigate credit reporting companies and debt collectors that violate patients and families rights and hold violators accountable. The CFPB has already issued a bulletin to prevent unlawful medical debt collection and reporting. A month before the Executive order was signed, the three largest credit reporting agenciesXXXX XXXXXXXX, and XXXXannounced that they will no longer include certain forms of medical debt on credit reports, removing XXXX of dollars in debt from consumer reports. This change covers borrowers with already paid debts, unpaid debts less than a year old, and debts paid or unpaid under {$500.00}.