davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-22
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out ... 


-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 2020-08-22
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. (TX)

Dear CFPB, Beginning XXXX, I have mailed multiple disputes to XXXX, Experian and XXXX  for the following accounts. On XXXX XXXX, I mailed additional disputes to all of the above credit bureaus with the Police Identity Theft Report ( attached ) and Notarized Identity Theft Affidavit ( attached ) for the following accounts by USPS with Tracking Numbers. 

XXXX XXXX {$13000.00}, XXXX {$460.00}, XXXX XXXX {$200.00}, XXXX   {$84.00}. 

XXXX  and Experian removed all of the above fraudulent accounts except XXXX XXXX and XXXX  did not remove any of the fraudulent accounts, Because they have not removed these fraudulent accounts, it is severely damaging my credit scores and is preventing me from purchasing my first home for my family.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My XXXX XXXX XXXX XXXX was reported late payment on my credit report for the months of XXXX and XX/XX/2020, Which is a mistake. because of that my family life is about to fall apart, I am in the process of buying the house because of that we got stuck, i keep calling to XXXX XXXX at least to email me the letter as the account wasn't late they keep promising to email me but nothing happened over two weeks. it's very unfortunate now I am suspecting because of my accent as an immigrant they thought I can't do anything or I don't know. 
Please help me and my family before things get worse, i already give notice to my apartment and get stuck. if you want to get the proof i can email you all the mortgage documents. 
Thank you and Looking forward to see you Help! 
XXXX XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (AL)

I had a scheduled XXXX on XX/XX/2023... .in my local hospital to have a XXXX XXXX. I was in XXXX for approximately XXXX hours then went to recovery. On XX/XX/2023... I looked at my bank acct to see if my social security check had hit my acct yet. When I went in to check there was over XXXX missing out of my act. The $ missing was from XXXX fraudulent charges of XXXX each. Made on my acct. Which I locked immediately.The charges were made while I was in XXXX and recovery. I contacted my banking institution and the Said I had to file each individual complaint as fraudulent. An individual finally worked with me to help me file them since I was just getting home and still recovering from XXXX on XX/XX/XXXX. I noticed on XX/XX/XXXX that my bank sent me an email stating they needed to verify my identity by XXXX Eastern standard time to keep my acct open I sent the copy of driver license and a selfie. The identity verification tab verified my identity went through at around XXXX XXXX. The email from my bank also stated the reason they wanted to verify who I was is because they thought " based on ther data and analytics my dispute my be fraudulent or false '' ... ..now I have been in the hospital in XXXX the days all this happened!!!! ... now ot XXXX XXXX  XX/XX/XXXX I get another email from my bank stating " we closed your cash card you didn't verify your identity after your dispute was flagged as fraudulent or false '' your dispute has been denied... .reason for declination " acct history..trans dusputes ... or other possible violation of terms if service '' ... .we can not provide further details and are unable to change decision. Then finished with I can't order a new card but I can still access my money in the acct and stocks and bitcoin hiw can they determine my acct was making a false or fraudulent accusation when I jumped through all the hoops they wanted me to. Then when I called back in I was treated like a criminal over the phone and Noone offered any help if it did not go by there pre scripted statements ... ... .there was over XXXX ... ... XXXX charges ... .I am a XXXX XXXX  man ... I have better thing to do especially when I am having a XXXX XXXX  that listening to over XXXX songs on an app.thanks for your assistance ... ... all this info is verifiable and none of it is false. It is all documented with emails and XXXX times at hospital ... ... .thanks for your time
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (SC)

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 Name : XXXXXXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-07-01
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. (TX)

XXXX/XXXX  XXXXDispute XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations sent over 35 days
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (NV)

I got an offer from Wells Fargo for a {$300.00} bonus for opening a checking account and meeting certain requirements with a XXXX XXXX XXXX. 

I opened the account online using the website wellsfargo.com/XXXX which was specified. However, they did not prompt me for the Promo Code and instead applied a different promo Code XXXX. 

I completed the process, and downloaded the BONUS DISCLOSURE ( see attached ), but nowhere on the 2 page document does it mention the amount of {$300.00} as the bonus I will get if I meet all the requirements. 

I went to a branch, and was told I need to call their toll free number since account was opened online. 

I just finished the phone call, and the person would not send me an email confirming that the amount of bonus I will get is as {$300.00}. She said I will know it when I get it, which is four months away. Given Wells Fargo previous frauds, how can we consumers trust them to do so, when they refuse to put the bonus amount in writing.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have filed a police report and an identity theft report for multiple accounts on my credit report and they were removed and then more were able to somehow be opened after I sent In everything and also put a lock and fraud alert on my credit report. There is credit cards and loans that were opened in my name in the last year that is identity theft and the credit bureaus have been absolutely no help with all I have done to try and take care of this since 2020.
Consumer complaint received 2022-11-29
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: AMERICAN HONDA FINANCE CORP (CA)

*There are numerous collections and fraudulent accounts that have been sticking to my credit profile affecting my credit * Debt collection agencies have been harassing me for payment for accounts that were reported as not me * Debt from fraudulent accounts and bills reported on my credit that's also not belonging to me * I have payed numerous credit repair agencies lot 's of money to fix these collections and fraudulently open accounts and no results * There was Payday loan opened up that was not me * delinquent account for also a Vehicle loans or and leases XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} Account information disputed by consumer under the Fair Credit Reporting Act AMERICAN HONDA FINANCE Date opened : XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (LA)

Back in XXXX I noticed charges a couple of times a week that I did not make. After doing my research i figured out that Someone was using my American Express card to purchase food through the XXXX XXXX. After contacting American Express and explaining to them the situation they said they would open an investigation. There where 7 transactions that were totaling over XXXX dollars. The fraud department then emailed me a form which I filled out with the dates and the amounts that were charged. They advised me that they would look into the fraud and let me know and that it could take up to 45 days which was fine. All I wanted was my issue resolved. After contacting them the customer service representative advised me that they decided they were not going to return the fraudulent charges. Ive dealt with American Express for the pasa 10 years and they have the worse customer service.
Consumer complaint received 2023-09-01
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. (TX)

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 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CO)

I recently realized my mortgage payment was raised XXXX dollars per month for my home mortgage. Wells Fargo has given me a lot of conflicting information and mistrusts about this. One the phone, they have claimed that I have a negative escrow balance of XXXX dollars. My online account shows an escrow balance of XXXX dollars. The information they sent me after 3 transfers on the phone ( which all said they did not work for a department that controlled my mortgage ), show a different number. I believe Wells Fargo has manipulated my escrow numbers to make money. There own documents do no add up. They also have a history of malpractice when it comes to this. See documents attached.
Consumer complaint received 2023-09-07
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

I applied for a payment plan with both my Lowe 's and Amazon cards on XX/XX/23 with the understanding that I'm all caught up on any late fees/late payments. Synchrony, the company who issues the credit cards informed me multiple times over the phone ( recorded conversations ) informed me multiple times that there are no additional payments I need to make and I'm not considered late as long as I meet the minimum for the plan they put me on. I found out on XX/XX/XXXX that this was a lie after speaking with a supervisor and requested they investigate their conversations so this wouldn't reflect poorly on my credit report. They told me this would take 30 days and I never received any correspondence from them. They've abused my credit by reporting late payments that shouldn't have been considered late as they never informed me that I was behind when setting up this plan. They never sent the findings of the investigation even though they have recorded conversations.
Consumer complaint received 2023-07-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Equifax on XX/XX/XXXX. Despite my initial contact, I have not received any response from Equifax regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$9200.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$750.00} XXXX. Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$100.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$750.00} The above accounts were never late, contrary to the information on my credit report. I kindly request Equifax to correct/update this inaccurate information on my credit report.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Dear Sir or Madam : I am writing you because Chex Systems provided information that allowed adverse action against me based on the information they provided. 

Chex Systems never provided details as to the allegations against me. 

Consequently, per section 609 [ 1681g ] ( b ) Free disclosure after adverse notice to consumer of the Fair Credit Reporting Act I am entitled to a free credit report. 

The federal Fair Credit Reporting Act ( FCRA ) specifies section 611 ; subsection 1 ( A ) that a 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller is reasonable time to reinvestigate and remove the inaccurate information.

Moreover, Section 611, subsection 5 ( A ) states that any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer This verification was not done. Consequently, the adverse information from ChexSystems must be deleted from the report as soon as possible.
Consumer complaint received 2023-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX XXXX Transferred/Sold my account to Specialized Loan Servicing, which part of computer share group. 

In my attempt to communicate with such company it has failed. I am formally complaining about the following : 1. Mismanaged and appropriation of funds- When making a payment to my Principal Balance, it does not posted on the month when the deduction from my bank account happens. What that means is that they keep my money and when ever they feel like it they posted, which in turn my money is not working for me as every day counts. interest rate does not stop, in my case my mortgages interest is daily therefore my money is not working for me. A recalculation of funds should be done monthly and appropriate credits to account. 
2. They don't allowed for me to pay my home early- I tried paying my house bi-weekly, this did not work. although they were taking the money out my bank account, XXXX did not posted until the amount was due. Therefore it did not make sense to pay 2x month. This is different form making a principal balance payment. 
3. Making it hard to take PMI out- my house had doubled in price, they would not accept my request to removed it. the mortgage balance is halve of what the house is worth. 

I have made my payment on a timely manner from the moment they became my servicer, never have I been late. I must add getting through their auto attendant is a task as they make it impossible to talk to a live representative. the system hangs up on you if it does not like your answer, how about that.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

My family was directly affected by XXXX XXXX & XXXX XXXX in XXXX  as a result a payment is showing 30 days past due on my credit report. 

As it relates to a natural disaster, my mom told me to contact my bank and ask for a good faith removal of the 30 day late as all payments were current prior and after this one. 

I contacted the bank and was told the credit bureau makes that decision which is not true.
Consumer complaint received 2020-08-22
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. (MS)

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and Trans Union.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.