davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (FL)

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 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-09-11
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. (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.

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 2024-08-29
Product: Credit reporting 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)

: This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am very much in disbelief of what's happening with my consumer report, the listed accounts are listed below. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX The fraudulent accounts have led to multiple erroneous hard inquiries and collections on my XXXX credit report, causing me significant distress. I request the immediate removal of these fraudulent entries from all of my credit reports and demand that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws. Attached is a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the XXXX Federal Trade Commission, verifying that these accounts, collections, and inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NV)

In XXXX XXXX I contacted Truist Bank about unauthorized transactions to my checking account. I have filed a previous complaint about these fraudulent transactions in which Truist Bank responded by doing absolutely nothing. I mentioned charged were being done on my checking account in Georgia when I have never lived or used my account in Georgia including debit card transactions. Fraudulent checks were being deposited in Truist Bank ATMs in Georgia. The bank one day later sent me a notice stating the transactions were authorized by me and declined any assistance. I then filed a CFPB complaint asking for proof of their investigation. Under the FCRA ( Fair Credit Reporting Act ) when a consumer filed a complaint with a lender the consumer has the right to ask and and receive proof of the investigation. Truist Bank has refused to show me any documentation of any investigation that shows I authorized any fraudulent check deposits or debit card purchases to my checking account. Since Truist Bank proceeded to place a negative XXXX report on XX/XX/XXXX I am requesting proof of the investigation. Whether that means atm surveillance showing who accessed my account and deposited fraudulent checks, electronic activity showing they investigated the fraudulent debit card purchases. Truist states they have an identity theft claim/investigation that they opened in XXXX but I received no documentation of the identity theft investigation or the outcome of this investigation. I feel Truist Bank did not due to an investigation because I requested proof multiple times and received no documentation or proof of any investigation. Since Truist Bank can not produce any documentation showing I specifically authorized these fraudulent check deposits and debit card purchases I am requesting Truist Bank to remove the negative XXXX report completed on XXXX XXXX XXXX I am also requesting Truist Bank to remove the negative deposit activity and to absolve me from this due to identity theft.
Consumer complaint received 2024-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (NC)

I applied for both a home and business loan through Wells Fargo Bank on XXXX different occasions. I did this because Wells Fargo was my bank for checking and savings for over 4 years. I am claiming discrimination, my credit was XXXX and I was making okay income. I found out that applicants of different ethnicities received loans with equal and lower credit scores and income. I am suing for $ XXXX, the costs of the home loan, and $ XXXX, the cost of of the business loan. Thank you.
Consumer complaint received 2022-12-06
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 
Validate inaccurate reporting late payments. Please remove inaccurate reported late payments. Update to paid as agreed.
Consumer complaint received 2022-07-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-03-17
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: TOYOTA MOTOR CREDIT CORPORATION (GA)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, XXXX ) credit report, and I noticed some late payments posted on my credit report : Toyota Motor Credit XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2024-09-16
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. (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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-08-14
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. (AK)

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

XXXX XXXX XXXX XXXX Account # 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 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NE)

I started working for XXXX XXXX in XX/XX/XXXX. I tried to submit XXXX paperwork in XXXX to get my payment counts started, but learned my loans were not the correct type and a consolidation was necessary. This was completed in XX/XX/XXXX when my ffel loans were consolidated into direct loans. Fast-forward to XX/XX/XXXX and the temporary inclusion of ffel payments XXXX. I waited until XXXX XXXX ( apologies, I don't have the exact date written down ) before I called my servicer at the time, XXXX, to inquire why my account hadn't been closed out under the new terms. I was told that the department of Ed had not sent them payment information on prior loans so they couldn't do anything. I nosed around online and found payment information on my ffel loans and included screenshots ( not the best documentation, I know ) along with a fresh pslf form, hoping that would prod them into reviewing the account when it came up for review. This form was never processed and my account was transferred to MOHELA in XXXX ( at least XXXX additional calls had been made to FedLoan seeking status of the DOE XXXX, which I'm told was received, but there was no way to give me an estimate on when my specific data would be reviewed ). We are now 12 months later with an account that has had ZERO action by the servicers, that has a documented qualifying period between XX/XX/XXXX and XX/XX/XXXX. Given the existing qualifying range, this balance should be forgiven without any further paperwork required. I have included screenshots of my XXXX payments made on the ffel loans ( serviced by XXXX ) XXXX as well as screenshots from MOHELA records XXXX the beginning and end of the qualifying payments already recorded. All calls with MOHELA have had wait times in excess of 2 hours with no progress or concrete information available. 
I am not, and have not asked for much -- just a confirmation my ffel payments are on record and that the loan is scheduled for forgiveness before we enter another tax year. It blows my mind hearing people that had to consolidate their loans and submit pslf forms for the first time being forgiven and I can't get an account simply reviewed and forgiven off historical records. 
Any assistance in getting this done in XXXX would be much appreciated!
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

Hello, On XX/XX/2022 at around XXXX XXXX  while I was at work, I received a notification that a {$400.00} atm withdrawal occurred from my chime debit card. The second I got the notification I locked my card on the chime app and then I got a second notification that another transaction of {$140.00} was attempted but could not go through due to me locking the card. I immediately called my bank chime and told them I did not authorize this transaction. In the midst of being on the phone I also verified that I still had my debit card. I spoke with XXXX at that time and she told me that she canceled my card and will be sending me a new one but that I had to wait until the transaction settled before I could dispute it. So I waited until Monday when the transaction finally settled and called Chime back and disputed the amount. Within a matter of hours they decided that the transaction was valid and that they were dismissing the case. Once I got that email that they were dismissing it, I called them back and they told me I had to supply evidence that could help support my rebuttal. Im not sure what information they needed so I wrote them a letter of what happened as they requested. They opened the case again then denied the case again same day. I sent them photos of how far the location was from me ( which is about 45 minutes away ) and they still denied my claim. I have most recently sent them my time card with my clock in and out hours proving I was at work at the time the transaction happened and they are still denying the claim. Theres no way I could have done this if I was at work. I can not be in 2 places at once. I never even been to the location the transaction happened. I have been trying to contact the owner but to no avail. My next step is to drive down there and see if I could get some footage of whoever was making a transaction at that time, but I should not have to be the one to do all of this investigation. A bank is supposed to protect my money and they are not. I just want my money back!
Consumer complaint received 2024-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NV)

I am submitting this complaint due to ongoing issues with Wells Fargos handling of my loan, which remain unresolved despite my previous complaint and ongoing mediation. Specifically, the issues I am facing are : Failure to Provide Complete Payment History : I have requested a full payment history starting from the beginning of my loan, including the period before my loan was transferred to Wells Fargo in XX/XX/year>. Wells Fargo has only provided the payment history starting from XXXX. Despite multiple calls and requests, they have refused to provide the complete history, which is essential for resolving discrepancies in how my payments have been applied and continuing the mediation process. 

Incorrect Payment Application and Legal Fees : Wells Fargo has failed to properly apply my payments, and additional legal fees were added during the loan modification process. These fees are not explained, and their impact on my loan balance remains unclear. I need clarity on how these payments were applied and the fees assessed during the modification.

Delays in Loan Modification : The loan modification process has been significantly delayed, which has negatively impacted my financial situation. Despite being in mediation, Wells Fargo has not provided adequate assistance in resolving these delays or their effects on my loan. 

Negative Credit Reporting : Throughout this process, Wells Fargo has reported negative information to the credit bureaus, despite my ongoing efforts to resolve these issues through mediation. This reporting has harmed my credit score and financial standing.

I have already made several attempts to resolve these matters directly with Wells Fargo, including requesting t
he complete payment history and clarification on the issues listed above. However, Wells Fargos response has been insufficient, and the critical information remains missing. As a result, I am unable to resolve these discrepancies and continue with mediation. 

I request the CFPBs assistance in ensuring that Wells Fargo provides the missing payment history and resolves the outstanding issues with my loan servicing.
Consumer complaint received 2022-09-27
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: Bread Financial Holdings, Inc. (OH)

In accordance with the fair credit reporting act this credit has violated my rights under 12 USC 1681 section 6 o 2 states I have the rights to privacy 15 USC 1681 section 6 0 4a and section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-02-04
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)

XXXX  on my credit reports show a balance of {$420.00} but is is not XXXX and has not been updated since XX/XX/22.