davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXXXXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-09
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. (NC)

accordance to the Fair Credit Reporting Act XXXX Account # XXXX has been violated my rights. 15 U.S.C 1681 602 A. Section 1 have the right to privacy. 15 U.S.C 1681 section A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions
Consumer complaint received 2019-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (IL)

In XXXX of 2019 my wife XXXX and I purchased a XXXX XXXX XXXX and also opted in for the extended warranty. Within two weeks we decided to cancel the extended warranty which was within the timeframe to do so and filled out the paperwork with the dealer. In XXXX we had seen no credit applied to our loan and contacted the dealer. We found out that the extended warranty was still active and that no action had been taken. We complained to the dealer who contacted XXXX XXXX XXXX to find out what the hold up was. Now it's XXXX and when we checked back on this the extended warranty is still active and no refund has been issued. The full price for the extended warranty is {$3800.00} which is what we are due to be refunded, unfortunately these depreciate over time which means that this warranty is worth less now than it was when we cancelled it. We would like the full refund due.
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CA)

I had requested an escrow balance breakdown and it still shows that the property taxes were paid by the mortgage servicer in spite of the fact that I had made a payment separately for the XXXX tax year. 

So they just added it to my escrow account and increased my payment when in reality I had made a payment separately and they also made a payment making a duplicate payment for the same thing. Also, the county showed that I was delinquent on the property taxes from the XXXX tax year for one of the installments. 

The mortgage servicer did not review the information I had sent them showing that I had made that payment, but the County of XXXX XXXX did not clear/deposit the check until XX/XX/XXXX. 

Basically, all the taxes had been paid by me separately as I have always done it except for the last tax payment in XX/XX/XXXX which the mortgage servicer had paid it all combined for the XXXX tax year. 

The escrow balance is inaccurate as it should not show a shortage given that I had paid the taxes separately. They need to adjust for duplicate payments. Please see attached for the supporting documents. Thanks!
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report as such reporting is " aged ''. On or about XX/XX/XXXX, I filed federal bankruptcy under XXXX XXXX During the course of these proceedings my XXXX XXXXXXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX XXXX. XX/XX/XXXX, my bankruptcy was discharged. I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rd party and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was US statute conversion. There was also a reference that all debts were the responsibility of consumer. XXXX XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XX/XX/XXXX. XXXX have deleted the bankruptcy from my credit report. Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX https : //equifaxconsumersXXXX
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX, someone tried to hack my Venmo account. I immediately received a call from Venmo and they blocked the transaction. While I was grateful for that, on XX/XX/XXXX ( I had already initiated a transfer from my bank to my Venmo account ) I tried to access my Venmo account to send money to a friend and I learned my account was frozen. I have spoken and chatted with representatives every day, sometimes multiple times a day. At first, I was told it would take 5-7 business days for their account specialists to do their due diligence and confirm my identity. I have NEVER heard from an account specialist in the 13 days since. Yesterday, I chatted with yet another representative and was told it would take three weeks!!! 
I am XXXX and I am also my XXXX XXXX XXXX mothers sole, full time caregiver. We have no family or friends to turn to for financial assistance. We have no money and need access to that money in my Venmo account! Without access to that money I can not purchase groceries and, most importantly, I can not purchase her insulin. She has already been 3 days without her insulin, her blood sugar is over 350 and she is in imminent danger of XXXX XXXX!! If I do not have access to that account almost immediately, I will have to call 911 and have her hospitalized for treatment, which is ridiculous and we will incur the costs of such hospitalization! 
I need someone, someway to get through to Venmo for me! I am filing complaints every place I can and I am also contacting an attorney who deals with Venmo cases. 
Venmo is essentially holding my {$700.00} XXXX, through NO fault of my own, and thereby putting my XXXX XXXX XXXX mothers life at risk!!!
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I WAS SPEAKING WITH A LADY ON THE PHONE REGARDING THE DEFERMENTS XXXX XXXX WAS GIVING DUE TO COVID TO PUSH BACK PAYMENT. I WAS SENT A BILL I WASN'T AWARE OF ABOUT THE DEFERMENT SO I CALLED AND ON THE PHONE SHE INFORMED ME THAT IT WAS AUTOMATICALLY GENERATED FOR ALL CUSTOMERS BUT DON'T WORRY ABOUT THE BILL.I SAID OK PERFECT AND WHILE I'M ON THE PHONE CAN I PUT ANOTHER DEFERMENT IN FOR THE FOLLOWING MONTH? THE WOMAN ON THE PHONE SAID YES I CAN DO THAT FOR YOU. I SAID GREAT THANK YOU SO MUCH. I DIDN'T WORRY ABOUT THE NEXT MONTH AND THOUGHT MY ACCOUNT WAS IN DEFERMENT AS THE LADY TOLD ME. COME THE FOLLOWING MONTH I GET A PHONE CALL TOWARD THE END OF THE MONTH MAYBE 15 20 DAYS OR SO INTO THE MONTH SAYING MY CAR PAYMENT IS LATE. I WAS IN SHOCK. I HAVE NEVER BEEN LATE ON A PAYMENT IN MY LIFE. I TOLD HER THIS ENTIRE STORY AND SHE COULD SEE THAT I DID CALL IN AND SPEAK TO SOMEONE SO SHE WAIVED MY LATE PAYMENT FEE WHICH I HAVE PROOF OF ON THE SITE AND SAID CAN I PAY NOW. I SAID ABSOLUTELY OF COURSE I WILL PAY IT RIGHT NOW AND ALSO ASKED HER TO TRY AND MAKE SURE THIS IS NOT ON MY CREDIT BECAUSE I WASN'T LATE I NEVER KNEW I HAD TO MAKE A PAYMENT.
Consumer complaint received 2023-05-05
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX  XX/XX/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 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 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 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 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 XXXXXXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (TX)

I have a barclays master card for a while now with a credit limit of XXXX and now in XXXX of XXXX they lower my credit limit to XXXX and I called to ask them why and I was told they were concerned that i have to many high revolving credit limits and that is why they lowered my limit. at the beginning of the year i started to pay down the card from XXXX to XXXX now in XXXX they dropped it down to XXXX which now is back at a high revolving credit limit keeping my credit score down. I have even told my wife that this is the year that we pay down all the cards. barclays is telling me that i can't pay my bills, they are running my credit score without my permission. i have never been late on any of my bills. since when does a credit card company dictate on what you can and can not do. I just got an increase on two of my cards this past month alone without asking but i have not used them. I have my credit locked and i don't see how they can see my credit file. if i have to i will take legal action because this does not sound right at all. i can't believe a credit card company can say we don't believe you can make your payments when in fact i have been making my payments on time and never late. what barclay just did was to steal the money that i paid to them when they lowered my credit limit.
Consumer complaint received 2023-01-29
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. (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 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  Account Number XXXX XXXX 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 2020-07-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I've had this account since XX/XX/XXXX and have tried resolving it with several companies, the last is named IC System Inc. It's regarding XXXX demanding payment of an early termination fee in the amount of {$130.00}. I have asked that I be provided documentation of a two year agreement with XXXX, and as a result only received a copy of my last bill. Upon receipt of a " Collection Notice '' dated XX/XX/XXXX from ICS, I placed a call and spoke with XXXX XXXX about resolving the matter and my paying the amount owed {$180.00} ( minus the early termination fee ). On XX/XX/XXXX, I mailed check # XXXX with an attached letter stating my paying the balance " in full '' and would close my account. ICS returned the check stating XXXX refusal to accept the amount submitted. My account was then submitted to the credit bureau 's. I've disputed this debt with XXXX on two occasions because ICS nor XXXX has been able to provide any documentation indicating a two year agreement between XXXX and I. After receiving XXXX   's first letter ( XXXX XXXX ) stating, " the information you disputed has been verified as accurate '', I assumed they had recovered some form of agreement from XXXX, so I responded by letter asking them to provide me a copy their supporting document ( s ) which assisted in their decision. Again, I provided XXXX with a letter and supporting documents of all correspondence from all parties since this account began in XX/XX/XXXX : XXXX, ICS, XXXX XXXX and XXXX. The results from my request from XXXX  was the same result, ruling in favor of ICS while not providing me any supporting documentation from their investigation. With all my attempts to resolve this matter, I think XXXX and XXXX has not offered proper due diligence in their investigation and is casually concluding their results.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Transunion Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, transunion has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Transunion failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : XXXX o Account Number:XXXX XXXX below the inaccurate information persistently affecting my credit report.
Consumer complaint received 2022-08-15
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)

I am bothered by the action taken by the Credit Bureaus! It appears that my credit has been compromised and yet the Credit Bureaus have been XXXX! I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any account and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for yours and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$6200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXX XXXX  XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$9700.00} XXXX XXXX  XXXX Balance {$6500.00} XXXX XXXX  XXXX Balance {$3200.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$3700.00}