davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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. (FL)

Page 1 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 Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXXXXXX XXXX  XXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It V 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 all consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (UT)

To Whom It May Concern : I am writing to file a complaint against Wells Fargo Bank , N.A . ( Wells Fargo ) regarding an unauthorized transaction on my account. 

On XX/XX/2023, I was at a casino in XXXX XXXX and withdrew {$180.00} from an ATM. However, I was also charged {$760.00} for a transaction that I did not make. I immediately contacted Wells Fargo to report the unauthorized transaction, but they refused to credit my account. They claimed that the transaction was valid because it was made with my debit card and PIN. 

I am disputing this claim. I lost my debit card after my transaction of XXXX on XX/XX/2023. I reported the lost card to Wells Fargo immediately, and they issued me a new card. It is clear that someone else must have used my card without my permission. 


Thank you for your time and attention to this matter.
Consumer complaint received 2022-04-25
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 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 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

Well Fargo continues to brush me off with responses that do not provide any proof that they acted in an ethical and non-discriminatory fashion. As a matter of fact article after article, class action suit one after another including Floridian 's own DA has found Wells Fargo to be nothing less than nefarious. Wells Fargo has stated repeatedly that I was approved for a " Modification '' and that I didn't accept their proposal. They expected me to fall victim to their fraudulent ways just like the millions of other who were approved for so called Loan Modifications by ASC servicing which was a subsidiary of Wells Fargo. Customers believing Wells Fargo had granted them a " modification '' to keep their home paid on their modification for XXXX  months, received a XXXX and XXXX signed and notarized to the proof of the modification. Only to find a foreclosure envelope in their mail box. Trust me says Wells Fargo we reviewed you documentation and upon fair review we were able to offer you the same loan terms and conditions, but just not call it a XXXX XXXX XXXX  .... What? I refuse to speak with some used car salesperson on the phone trying to talk me into believing that Wells Fargo has acted and continues to act ethically and responsibly. Again all evidence points to lies and deception on the part of Wells Fargo and I reiterate that my loan modification was not assessed in an ethical and non-discriminatory court ordered manner. Before furnishing any further additional documentation Wells Fargo need to first establish an interest in establishing their claim of no wrong doing on their part as they've monetarily have paid for via class action settlements. I request Wells Fargo 's senior management team set up a meeting with me and my advisors and walk us through my entire loan modification along with the process utilized.
Consumer complaint received 2022-07-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX Account # 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 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MA)

I paid this company over a year ago through XXXX XXXX. XX/XX/XXXX. I confirmed with company. Recently XX/XX/XXXX they said I still owed, I contacted them. They have tracking number for the money transfer from XXXX XXXX but it was never put on account. They said they would call me back. A week later I got a letter, they could not get enough information and I still owed the debt.
Consumer complaint received 2022-04-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My Loan XXXX issued a preapproval again on XX/XX/XXXX for the purchase price of {$220000.00} loan amount XXXX told me on XX/XX/XXXX I didnt have to pay anymore debt off and gave me a good faith estimate on XX/XX/XXXX telling me I was good to go.. then XX/XX/XXXX I was issued a mortgage commitment letter telling me I had to suddenly pay off and close out the following accounts XXXX XXXX number XXXX {$5800.00}, XXXX XXXX  {$4900.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX  XXXX Stores {$1200.00} . Also then had to pay off my XXXX XXXX pilot down to a balance of {$2800.00} on or about XX/XX/XXXX then 1 month later on XX/XX/XXXX was told by XXXX that I had to pay the balance on the XXXX XXXX pilot which was {$2600.00} as well as previously paying my XXXX XXXX Credit Card on XX/XX/XXXX for {$13000.00} come to find out I didnt have to pay any of this debt off because from day one and XX/XX/XXXX he should have figured out that my debt to income ratio would not work considering my income of {$2800.00} to Pay a mortgage of {$1500.00} which is about .54 % DTI and I have All copies of all loan commitments and XXXX different closing disclosures now 71 days into this and have no other choice but to switch lenders because Im borderline to lose this house. Also my XXXX XXXX XXXX had to be paid account ending in XXXX and XX/XX/XXXX in the amount of {$4800.00}. 

We are talking a lot of emotional distress physical, inconvenience on me my mother and stepfather who eventually had to cosign on or about XX/XX/XXXX Which was well over 60 days for bank to figure out that I finally needed a cosigner that is inexcusable and unacceptable especially for a guy with 30+ years experience in the same business. I still have a ton of documents to submit I will be here for hours but thanks for your time and prompt attention to this matter have a great night!! 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # # XXXX. Account # # 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 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 ( AX1 ) 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 belleve that the information is inaccurate
Consumer complaint received 2022-04-25
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 report act US SM BUS ADMIN ODA has violated my rights regarding a hard credit inquiry posted on my Credit Report 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 a account without my written instructions.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper is the Mortgage Servicer to whom my home loan was recently sold. At my previous servicer I was enrolled in bi-weekly mortgage payments, which allows me to pay off my loan a little faster through automated payments that add up to making one additional payment per year.

Upon my transition to Mr Cooper, I have learned that though they offer this payment method, they seem to discourage it by making it cumbersome and convoluted to do so. The existence of the option is not clearly available on the website, and I only found the option through internet searching outside of my personal payments account. Information is here : https : //www.mrcooper.comXXXX I am asked to CALL Mr. Cooper to set it up. I called and was told that it must be done via email. I recieved a link to a " secure messaging account '' that allowed me to receive messages from Mr. Cooper 's " research team. '' I had to create an account to see the message that had the information to set up my automatic biweekly payments. 

Once I read through the document I filled out the required forms. The requirements were burdensome compared to the online autopay requirements, ( including signatures from both names on the mortgage ) and attached the necessary documents ( including a voided check ) and sent them to the email address provided. 

After sending my documents in I waited several days, I was unable to check the status until I received a denial letter from the company citing that I had not prepaid my loan. I immediately prepaid and sent an email to the address given to me in the denial with all the information I had received and sent in to date. I waited 5 days with no response and called the company, who told me that the only way to work with the team that handles biweekly payments is through email and that I had used the incorrect email. 

Mr. Cooper takes autopay digitally, and can be setup in seconds, but to autopay biweekly, one must surmount burdensome and unnecessary hurdles.
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MA)

Im frustrated because yesterday I woke up and my credit points was on XXXX and yesterday when I check my crdit its on XXXX and Im very frustrated and feel bad because I always take care of everything that its on my name and when I check in my credit app I see XXXX XXXX  AND A OTHER COLLECTION COMPANY put me a debt that I really dont owed I gave all the equipment back to them every time I move and I feel its a FRAUD because I call the collection company ( SEQUIUM ASSET SOLUTI ) and they ask my information and I gave them and they said that the social security number that I provide its wrong and my birth information THEY TAKE ME XXXX POINTS OUT OF MY CREDIT FOR SOMETHING THAT I DONT OWED I NEED HELP ON THIS SITUATION
Consumer complaint received 2022-02-14
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: Santander Consumer USA Holdings Inc. (DE)

Chrysler Capital financed my auto Loan in XX/XX/2021 for approximately {$32000.00} and for 7 months has failed to secure the title for my vehicle. The car dealership has also failed for 7 months to secure the title or the tags. The XXXX dealer of XXXX nor Chrysler Capital has supplied the Delaware DMV with financial proof that the title was paid for and received within the 60-day legal guidelines nor was the DMV supplied with proof of payment for the registration fees and as a result will not issue me any more temporary tags. This has been being requested for 7 months and Chrysler capital is forcing me to pay my car payment of approximately {$780.00} per month for a vehicle they have no title to and one that I can not drive as a result of being unable to obtain my tags and registration. 

Each month I have had to pay for temporary tags and at times I have had to struggle to get the Delaware DMV to issue me more temporary tags. Multiple times I have being unable to drive my vehicle as a result of this. I have requested for several months that XXXX have their Dealer Relationship Manager, or the Dealer Control Team assist in this manner, with no results. Chrysler Capital has failed to utilize their resources to assist consumers with problems with dealers in which they finance with.

To assist me in this manner, I have also requested that Chrysler Capital put one or two payments on the back end so that I am not paying for a vehicle that to date, I can not legally register or drive through no fault of my own, but my request was denied. I have also requested that the XXXX dealer supply me with a loaner car while this is being resolved and that request was denied as well. 


Chrysler Capital is not holding their partnerships accountable and not being accountable for the things that they are legally required to do when financing a vehicle for customers. 
I have paid my car payment on time as agreed upon and am disappointed in how Chrysler Capital has handled and has continued to handle this matter. 

I have filed a complaint of Vehicle Fraud with The Pennsylvania Vehicle Fraud Department