davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp (OH)

My name is XXXX XXXX. My brother submitted a complain earlier today. I also want to file a complain against XXXX XXXX, and XXXX XXXX ( real state agent ). She also convinced me to apply for a mortgage in XXXX. She ran my credit, and told me I didnt qualify. Why does she need my social security number when she no longer has a loan originator license. Her XXXX license number : XXXX. XXXX also asked me to drop my taxes to her house. Her address is : XXXX XXXX XXXX XXXX XXXX XXXX. Why would she asked me to drop my taxes? all personal documents need to be secured according to federal rules. Does she think rules do not matter? Her license was taken away and she still does this with the help of her husband, XXXX and now XXXX XXXX. She wants to triple dip and take advantage of costumers like me. She lied to me, and now has all of my personal information. 

Also her current address is a home her mom bought with XXXX  in XXXX but never moved in. In other words, XXXX lives there with her kids and husband and the mom committed residence fraud. 

Why does this keep happening? Why cant we trust that you guys will do something about it this time? First it was my brother, then it was me. I can not imagine how many others are out there believing her lies.
Consumer complaint received 2024-12-18
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 (NM)

On XX/XX/XXXX I received a text inquiring if I made or authorized a {$550.00} expenditure at XXXX XXXX  It looked like notification from the bank ( Wells Fargo ( WF ) ). I responded no. A few minutes later I received another text thanking me for the response and an agent will contact me in a few minutes. I received a call, verifying first/last name, last 4 digits of SSN, etc. The " agent '' very reassuring asked to verify last 3 purchases and ending balance after transaction. " Agent '' stated verifying Account to close and open new account. Transaction handled through XXXX for {$500.00}. I was at work, I'm a nurse and did not have time to go to a branch to withdraw/transfer. Arrangements were confirmed to to transfer via ATM after work. 
I did pull out {$2000.00} dollars out of my account so it could be closed and deposited into new checking account. Which I was told I would receive I would receive an email with new account info. They walked me through how to convert into the the phone tap payment method. They also walked me through how to change the amount of max daily withdraw from an ATM. 
I did not receive the email. I contacted the bank to follow-up the evening of the 10th after I got off work. That's when I found out there was no record of what I was describing. She did confirm the withdraw of {$2000.00}. I Filed a claim with the bank fraud dept., filed a police report, contacted the State Attorney General, and filed a claim with the FBI. 
I received notification to day from Wells Fargo regarding denying the claim. I contacted WF to find out the procedure such policy appeal/adjudication. I was told they don't have such a policy.
Consumer complaint received 2022-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I replied back within the 30 day window for debt validation according to the letter LVNV funding does not own this account its being serviced by Resurgent Capital. I sent everything through Consumer Financial protection bureau and I have a copy of the reply from Resurgent Capital whos managing this account. I requested proof for documents Resurgent Capital who owns this account stated communication about this account would be ceased and nothing will be reported to the credit bureaus Of LVNV is not removed from credit file in XXXX business days I will file a lawsuit against this fraudulent company. I will be suing for improper use of account, no debt validation was done as I replied within the 30 day window. And I will sue for punitive damages. I just reached out to my attorney on the next steps. And I just forwarded my attorney the copy of the response I receive from the Consumer Financial Protection bureau. I will have LVNV XXXX down and investigated on every account they have in office and file a class action lawsuit. Let me go online and start a petition to get this ball rolling. I will post the petition and see if we can get a class action lawsuit for improper use of credit report, improper debt validation from a junk buying company. I would like for the XXXX XXXX XXXX shut this business down immediately.
Consumer complaint received 2023-03-06
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: Experian Information Solutions 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 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 2022-05-26
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. (TN)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX has violated my rights. 

1

5 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 ex
press 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 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I have been making transfers to and from accounts and then suddenly my funds was being held for 5 business days then 10 business days, then we i did a mobile deposit the funds was held even though the system said i could deposit up to XXXX, the check for was XXXX and i should have had immediate access to my funds and because i didnt, i had several bills and payments declined and was sent back and then i suffered many NSF from USAA XXXX dollars for each occurrence, this has to constitute some kind of fraud on USAA part. 

Also if you will look at the pdf of my bank statement you will see where I was charged XXXX dollars Over draft fee, I WILL NOT STOP FILING A COMPLAINT UNTIL IM TREATED RIGHT AND USAA FIX THIS ISSUE.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SPRINGOAKCAP, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouris identity theft and credit reporting laws.

It has unequivocally come to my attention that SPRINGOAKCAP has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Under Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. 

I assert with unwavering certainty that I have not provided consent for SPRINGOAKCAP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. 

I demand, with the utmost certainty, that SPRINGOAKCAP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SPRINGOAKCAP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

on XX/XX/XXXX i noticed that i had a pending transaction from XXXX. I didnt order anything so i called XXXX and asked if anything was purchased for {$190.00} with my card. They said only one purchase was made for the amount of XXXX with the last four digits of my card number and it was from a visa, not a XXXX. I called XXXX bank to dispute the charges. I had also noticed an charge from something called XXXX for XXXX dollars. when i talked to the agent i told them about both. i was more concerned with the XXXX dollars. they told me that it looked like a monthly charge on the XXXX thing. I told them i didnt know where that came from. they submitted the claim. I called a week later to see what was going on because i never received any information. I was told that they noticed those charges for XXXXe go back to XXXX of XXXX and they were only going to credit my account for the first 90 days. I said that was crazy and i asked about the XXXX transaction. they told me it had just posted and that they were working on it. I said okay and hung up. A week later i called back because i noticed that i was given a provisional credit of XXXX and then it was rescinded the exact same day. Once again i didn't get an email, letter or call saying anything was resolved with my dispute. So after being on hold for an hour, hung up on, hold for another hour i talked to an agent that told me that said my XXXX claim was outside of the 90 days. I said it was XXXX different issues. i was told i should have caught the first fraud sooner so the next one didnt happen. How is this a solution? That same agent was completely rude and got mad at me for asking for a supervisor. and told me if i resubmitted the dispute nothing different would happen. Ive never had anything like this happen to me with any other bank. i literally told them that XXXX didnt have anything from me and they telling me i took too long to catch the fraud. i caught the XXXX fraud before it officially posted to my account. how am i on the hook for that? why wasn't i notified at any step in the process?
Consumer complaint received 2022-05-26
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. (MN)

I have 5 unauthorized inquries that need to be removed, I never filed for XXXX XXXX and the courts say they don't report this to credit bureaus and it should be removed and I have an account was paid off satisfactorily and never late. Also one account that says it was included in bankruptcy which i s totally wrong. I also want to validate XXXX accounts I do not recognize, all of these items are detailed in the letter enclosed
Consumer complaint received 2022-08-12
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. (GA)

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

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-04-22
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: Preferred Collection and Management, Inc. (FL)

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692 C. Communication continuous phone calls/ voice mails all hours during the days and nights.
Consumer complaint received 2022-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

On XX/XX/XXXX, my mortgage was supposed to automatically withdraw the monthly payment. On XX/XX/XXXX, I logged into my account and there was no sign of a payment being processed for the month of XXXX either in past or pending payments. There was a box that indicated the next automatic payment would be processed on XX/XX/XXXX. I then made a payment on XX/XX/XXXX since one had not been made. On XX/XX/XXXX, I logged into my account once more to double check. I was then able to see that two payments had been made-one auto payment and the one-time payment. At this point I called PENNYMAC and was instructed to notify my bank and request a stop payment. The supervisor at PENNYMAC said they would also issue a refund for the other payment and that my account would then be current. They also stated that they were currently submitting a formal complaint and that the app developers would be made aware of the incorrect information regarding automatic payments on their app. On XX/XX/XXXX, I made a full XXXX payment once again and this was posted through my bank as I had noticed that both payments were reversed. On XX/XX/XXXX, I received a message from PENNYMAC that my payment was not processed due to my account being frozen. When I logged in to check, there was record of a payment posted on XX/XX/XXXX, however it was indicated that a payment was not made for the month of XXXX. When I called and spoke to another supervisor at PENNYMAC, I was told that they returned an extra payment and that my account was not current. The payment made on XX/XX/XXXX was supposedly applied to the XXXX payment. I was also told it was standard procedure for them to refund money they had not received. They also shared that the previous supervisor should not have advised me to initiate both returns and that they were mistaken for that. When this supervisor stated they would be submitting a complaint and that it would remain accessible to anyone who views my account, I asked if they could see the prior complaintthey could not.
Consumer complaint received 2022-05-26
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. (GA)

Hi I am submitting this XXXX A XXXX this isn't 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 719transunion has me at a score around 590. 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 im XXXX now.with no help.
Consumer complaint received 2022-05-26
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. (CA)

Years ago my identity was stolen by someone who used it to get credit cards and loans under my name, and affected my credit so badly that I had to dispute the accounts with the bureaus. They helped me at first and everything was going well, until this past XXXX, when I checked my credit reports after not pulling them for quite a while, only to find some of the previous accounts that I had disputed years before back into my records for some reason. At first I wanted to make things right once again by phone calls with the bureaus, but their answer was that I needed to treat this as a new case of identity theft and needed to follow the usual protocol. So I started disputing the fraudulent accounts once again, but it's been 5 months and the accounts still appear on my reports, and I'm starting to wonder if the bureaus are actually checking my case or just discarding everything I send to them. Currently I'm disputing a charge card account from XXXX XXXX XXXX, some credit card accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX, and also , some addresses that don't belong to me, but are being reported too. I really feel quite anxious about this and don't know what else to do regarding this situation. I'm having trouble getting the creditors to acknowledge me as a good consumer because of the information that's being reported and I don't know how long I can take it. I ask for your help on this matter, because I don't want any more time passing by and be stuck in this situation forever. Please help me!
Consumer complaint received 2022-05-26
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. (FL)

Hellos Guys!! 

I sent letters to the 3 credit agencies Experia, XXXX and XXXX to verify some elements that are being reported on my credit. I have been investigating and discovered that the credit bureaus have been violating my rights by reporting accounts or negative items incorrectly, since I see that each one of them reports different balances, wrong dates and incorrect late payments.

I have also sent letters to the creditors who are reporting on my credit to update the information in my report and they ignore me, they have not given me answers. 

I have sent letters to the bureaus since XX/XX/XXXX and to this day they continue without giving me an answer.
Consumer complaint received 2022-06-05
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: Bread Financial Holdings, Inc. (NY)

I have a hard inquiry on my credit report dated for XXXX XXXX for comenityBankXXXX  and I have not applied for anything and I have not authorized this. No contact information has been reported by this creditor.