davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (NV)

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 XXXX  : # XXXX XXXX XXXXXXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX : # XXXX XXXX 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.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is violating FCRA Section 623 ( 5 ) ( A ). This account has been illegally re-aged. Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA This account needs to be deleted from all credit files it resides on immediately.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

I have been trying to login and pay my bill for months. They never sent me a plastic card said it was virtual that i didnt need it. Can not logon bc i dont have the card number. No one answers any if their phones. I have tried all the numbers i can find and it always says to call back later or picks up and nothing happens. Can not access my statement, account or anything else. Think fraud is happening, but can not see my balance to see whats due, login in website, or contact anyone by phone.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (TX)

This memorandum is in reference to XXXXXXXX XXXX located in XXXX, Florida. This bank declined approval of a card from XXXX because I had an unsatisfactory obligation with their organization. I sent them a letter on XX/XX/2021 explaining my situation so they could correct my credit status. No corrections were made. 
I would appreciate it if XXXXXXXX XXXX would rectify the problem by deleting the erroneous information about my obligation of not paying on my account. I informed them that the doctor deliberately took money for services he did not perform. He was informed within XXXX XXXX  to cancel my application and he did not. He did take the funds that XXXX had given to him.
Consumer complaint received 2022-07-14
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. (IL)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 2024-10-27
Product: Credit reporting 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: Experian Information Solutions Inc. (FL)

I am trying to create an online account with Experian so that I can have access to my credit report online. When ever I try to access my credit report on line through the Experian website it is saying that I need to be verified before I can gain access to my credit report online via the experian website. I need access to my credit report via the Experian website so I have submitted the following documents so as to prove my identity and my address. Kindly see files attached.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I disputed transactions from my Wells Fargo bank and was denied. I used an online gaming site in which I thought everything was legal and legit but it turns out that all my transactions with this site was authorized using a third party merchant in which I can not get in contact with each and everyone of the different third party merchant. I reside in a state where illegal gaming sites are not permitted and yet Wells Fargo was still able to process these transactions. Because Wells Fargo allowed these transactions I thought playing on this gaming site was legal but it turns out that all my transactions where made through a made up third party companies. I feel Wells Fargo shouldnt have allowed these transactions to go through and at the very least notify me that these transactions were fishy and fraudulent. My disputed transactions were from XXXX of XXXX to XXXX of XXXX in the amounts ranging from {$25.00} to {$200.00}. Wells Fargo received my dispute on XX/XX/XXXX and was denied two days later. That just seems like a very short amount of time to process my claim and deny it so quickly.
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (TX)

I open a checking account with XXXX Bank on XXXX with XXXX XXXX XXXX. The terms and conditions of the offer says that if I made deposit of {$XXXX} within 30 days of account opening and maintain at least that balance for 60 days after the account opening, I will get {$XXXX} bonus interest. I only received {$XXXX}.
Consumer complaint received 2024-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (PA)

I just noticed for the first time that 2 items appeared on my consumer report looks like XX/XX/XXXX from XXXX rental car. I only rented a car from this company once which was rented on XX/XX/XXXX. All fees were paid at the time of the return of the vehicle. I even confirmed with the rental agent who I did not feel comfortable with because he kept asking me to pay with cash each time that I extended the vehicle. I verified that there were not any charges. When I returned 3 months later with a friend, who was complaining about charges that was on her consumer report, we were informed that the agent that my friend and I both worked with at the rental car place was fired due to him doing illegal things such as stealing money, fraudulent charges on people accounts etc. during the time that this Information was provided to us I did not have anything on my report, now that I do I reached out to XXXX rental car which they stated that the only charge that they see is for {$100.00} which I requested the invoice however, I have a charge of {$100.00} and {$1200.00}. The rental stated that they have no knowledge of this and do not have anyone I can speak to. This is causing me emotional stress, and preventing me from getting my business started. XXXX rental car company has now sold the debt with my Information to a debt collector called summit A R.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Our loan was previously serviced by XXXX. They fraudulently assessed fees on to our account and did not apply payments to our account. We went to court about all of this and the fees were removed but the credit report was never updated. In XXXX of XXXX, XXXX took over the loan. At the time they took over the loan XXXX records showed the account was 2 months behind. So every payment they received from us, they would apply to the previous month because their records showed we were behind. The account was not 2 months behind. They never applied our XX/XX/XXXX and XX/XX/XXXX payment to the account. We have been trying to refinance our mortgage and take cash out to remodel our 2nd floor. We have been trying since XX/XX/XXXX. Every mortgage company that says they can help us, ends up not being able to proceed because of all the late marks on my credit report. On XX/XX/XXXX, I had a conversation with a supervisor from XXXX who did in fact confirm she sees all the fees assessed to the account and then months later they were removed because we took them to court. The supervisor explained to me that they were only responsible for the loan from XX/XX/XXXX through the present. She said if I submitted paperwork showing that the payments were on time they should be able to correct the late marks on their end. She sent me the full mortgage history document and I went through and compared all the payments with the mortgage history. The XX/XX/XXXX and XX/XX/XXXX payments were never applied to the account as a regular payment which is what made the account 2 months behind. I provided XXXX with copies of my bank statement showing the payments were in fact deducted. I submitted an online dispute with all 3 credit bureaus and submitted the information for their review. Not to mention the credit reports are not even up to date. They only show payments through XXXX of XXXX. I need the report updated through XX/XX/XXXX so that my account can reflect 12 months of on time payments and I can refinance and get away from this nightmare. No one will help me. I don't know what else I can do to get this updated or to get the late marks removed from the credit report.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TN)

I Spoke again to Wells Fargo and was lied to again about my account by XXXX. XXXX refused to give me any other information to identify her other than her name. She lied that my account was under review when Wells Fargo said it was being closed. This is blatant discrimination.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (NY)

On XX/XX/2022, I spoke to a customer service representative for the Upgrade card. I complained of an issue, on my credit reports which show a maxed out credit card, at the purchase limit of {$9200.00} dollars. This amount is incorrect since my overall credit limit is {$24000.00} and should also have been reported to the credit bureaus ( XXXX, XXXX, XXXX ). Upgrade card deliberately does not report your balance and overall credit limit. They report only your active balance which shows your credit utilization rate at 100 % percent usage which is wrong and caused a XXXX point decrease in my personal credit score although I made all payments timely and never missed a payment. The customer service representative I spoke to promised to rectify this incorrect credit bureau reporting situation within 24 hours but failed to contact me again and never corrected the reporting error. This credit reporting error has had adverse life impact on my ability to get credit, goods, and services due to an inaccurate and non-inclusive, unfriendly, and punitive Upgrade card credit reporting model.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

There is a name that pops up on every background check and it is XXXX XXXX XXXX, that has never been my name. Today XX/XX/2022 background check was ran for a job and her name is on there as a previous name that I have used. I have never used that name my previous name ( maiden name ) is XXXX XXXX XXXX which is on there also. I have been declined housing and jobs because of this name because sometimes her charges shows up under my name. It has been reported to the cops, they have done nothing. This name is ruining my life.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (WI)

I am trying to close a checking account with Huntington Bank. They are asking me to either go into a branch ( I am >50 miles away from a branch ) or send a letter with my account information to a branch so that they can close. I am not comfortable doing either and would like a reasonable way to close my account like other banks offer. Thanks!
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/XXXX, I received a document from Midland Credit Management offering me payment options for an alleged debt in the amount {$3300.00}. XX/XX/2022 we sent a validation of debt letter to Midland Funding via certified mail. To date we have not received a response from Midland Funding in reference to this matter. I'm requesting your office to assist me with this matter. 
Certified receipt number : XXXX
Consumer complaint received 2022-06-06
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. (AL)

In accordance with Fair Credit Reporting Act, Experian have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : Fair collection & out acct # XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 USC 1681b no permissible purpose 15 USC 1692B ( 2 ) not state that such consumer owes any debt ; ( 1 ) identify himself, state that he is confirming or correcting location information consumer, which can only be done by 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, such information shall not include specific factual information on a consumers credit record obtained directly XXXX XXXX XXXX saw the violations & removed only being reported on Experian
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am a victim of identity theft. My information was used fraudulently, and now I see items on my report that I was never associated with. Following Experian 's instructions, I filed a report with the FTC and submitted it, but these fraudulent items are still on my report.
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

An appraisal was scheduled in furtherance of a mortgage needed to complete an agreement of sale of real property ( contract or sales agreement ). The contract contained, XXXX XXXX, an appraisal deficit waiver provision as well as an escalation clause that increased the sale of the property by XXXX over the starting sales price of {$550000.00} spelled out in the contract. Citizens contracted with an undisclosed XXXX XXXX XXXX ( XXXX ) and misrepresented my loan application by only partially uploading the contract, and failing to include the escalation addendum. XXXX XXXX XXXX XXXX ( hereinafter XXXX  ) was then contracted to perform the above referenced appraisal. They informed me that the sales agreement they utilized was retrieved from the XXXX and confirmed that the incomplete sale agreement was uploaded to the XXXX by Citizens. The appraiser relied upon the misrepresentation of Citizens in arriving at an appraised value of {$550000.00} ( the amount incorrectly listed as the sales price ), as evidenced by the appraisal itself wherein the contract is listed as being reviewed and relied upon. 

This issue was immediately brought to the attention of Loan Originator XXXX XXXX XXXX ID # XXXX ( XXXX ), who in response made a series of false and misleading comments in explantion, including but not limited to assertions that the sales agreement could not be provided to the appraiser and that they should not have it in any event, even calling it illegal more than once. Furthermore, XXXX asserted that the appraiser did not receive the sales agreement from Citizens, and must have gotten it from elsewhere. The Uniform Residential Appraisal Report utilized ( XXXX XXXX  XXXX XXXX ) provides on its first page an opportunity for an appraiser to obtain, analyze and consider the sales agreement for the subject property in arriving at a value. This form was last revised in XX/XX/XXXX, allowing this alleged illegal activity to take place for at least the last 16 years. 

The issue is that Citizens failed to upload the entire sales contract to the XXXX and omitted a key addendum. This is significant for several reasons. This is a material and detrimental misrepresentation impacting my loan because the appraisal did in fact analyze the incorrect sales contract in arriving at an appraisal value, to my detriment. Citizens, through XXXX, knew that my loan would proceed despite a lower sales price, and deceasing the lender risk associated by omitting the addendum, and then repeated the pattern and practice of misleading and false claims by offering emphatic explanations that were curiously as pedantic as they were incorrect. My loan has suffered as I am now required to obtain an amount of cash to close likely in excess of what should have been required had my loan not been misrepresented.
Consumer complaint received 2023-12-28
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. (VA)

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2022-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (SC)

The organization, sent a mass email to multiple loan holders disclosing private information regarding the status of loans. The sender was XXXX XXXX from Firstmark Services. After a few of us responded that this communication was a violation, she attempted to recall the email with no success. Proof of this email, the responses of the recipients, the lack of response from the company can be provided.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am disputing misinformation on my credit reports for XXXX, XXXX, and Transunion. There is inaccurate information that is being reporting for several accounts that are documented for each report from these agencies. According to 15 USC 1681e ( b ) I am entitled to have maximum possible accuracy on my credit reports. I have disputed these inaccuracies with each of the reporting agencies and they have not been removed. I want the inaccuracies removed from my credit reports with my various accounts.