davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (CA)

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a complaint against Bank of America. 
I have been a customer of the bank for 15 years. 
We have 2 credit cards with the bank, both on auto pay. 
Credit card ending in XXXX had a payment of {$320.00} which was auto deducted on the XXXX of the month. 
On XX/XX/30 I had called to have the payment reduction to the minimum payment of {$210.00}. 
The agent on the phone did all the necessary changes. 
Now I am getting a bill of {$460.00} for XXXX. 
Because their system did not process the autopay on XXXX I am now tacked with a late fee. 
The agent on XX/XX/30 did not mention the need to make a payment as he indicated that {$210.00} will be deducted on XXXX. 
This is a scam, to squeeze every little bit from the customer. I have been auto paying my bill for months. Not charging a month and Then tacking in a fee. 
Please investigate
Consumer complaint received 2022-07-17
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Has Violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction
Consumer complaint received 2021-11-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WA)

I receive citi bank promotion on XX/XX/2021, they said if I opening a interest check account before XX/XX/2021 and deposit {$50000.00} within 30 days after opening the account, and maintain 60 days, I can receive {$700.00} bonus. 

So I opening a interest checking account on XXXX and deposit over {$50000.00} on XX/XX/2021, maintain the amount until today XXXX, 2021, they do not give me the {$700.00} bonus. 

On XX/XX/XXXX, XXXX chat with one of citi agent and ask when I can get the bonus, he checked and said I should get the {$700.00} no late than XX/XX/2021. 

So I wait until today there is no bonus deposit to my account, I chat with another agent today, she checked and told me I should call citi one stop sales unit phone number XXXX. 

After I call them, one lady she checked and told me I am not qualified for the {$700.00} bonus because I didn't make fund deposit with 30 days. 
The fact is I did what they required, and other agent already told me to wait until XX/XX/2021 to receive the bonus, now she just simply told me I am not qualified.
Consumer complaint received 2020-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2020-12-22
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: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me.
Consumer complaint received 2022-03-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NH)

I have been submitting payments to Sallie Mae. However, they keep sending me letters saying that the Account has not been found. Then, they send me overnight letters stating that my loans are about to default, despite me trying to submit payments. 

If the accounts can not be found, they can not default. If they will not accept payments, they should not be allowed to let the loans default, sell them, and profit off of my suffering.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
COMENITYBANK/NY & CO XXXX Balance {$0.00} COMENITYBANK/VICTORIA XXXX Balance {$0.00}
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For two years now TransUnion has had me locked out of my online account, despite my efforts to reset a password multiple times .There is inaccurate information on my report as I have gotten emails from loan companies stating that I was denied and I never applied for those loans. I also asked how they report their debt to income ratio and transunion could not give me a clear answer, my current salary is {$72000.00} a year therefore the salary information that they are reporting is incorrect.
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TX)

I change my old car XXXX XXXX XXXX for a new XXXX XXXX XXXX, the XXXX XXXX send the payment to Santander Consumer USA, they don't want to process my payment, tell me I going to have to pay late fees, have a negative report on my credit and making strange collectors calls, for something, I don't own anymore. I just want the turn off my Loan, they know I change my car because I get the financial with Santander Consumer Again. Thanks.
Consumer complaint received 2020-12-22
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. (TX)

I have been sending letters to XXXX in regards to an alleged XXXX loan asking them to verify an alleged debt, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-11
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 (LA)

I have done everyone asked of me and waited over a year but Pay Pal won't let me transfer my money. This company has made money off fees from my business account for over a year. It is unlawful for any business to do this to clients or partners where there are profits involved. I need help with this issue please help me. Reference ID : XXXX contact me at XXXX or XXXX.
Consumer complaint received 2020-08-25
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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (IL)

American Honda Financial has reported a charge off on my account for an auto lease that ended in XX/XX/XXXX. This account had excellent payment history for the duration of the contract. Upon turning my leased vehicle into the dealer in XXXX, IL, I was given a receipt that lease termination was successful and that all payments were current. I was billed for something that I disputed with Honda on more than one occasion by phone and went back and forth with the dealer who said that they would " take care of it ''. After a few months of no resolution, I paid the account through a third party, XXXX, on XX/XX/XXXX for the amount of {$820.00} with the understanding that this would not negatively impact my credit report. I contacted XXXX on XX/XX/XXXX and they were unable to provide any records of this transaction or payment and asked me to reach out to Honda. I contacted Honda on at least 3 occasions between XX/XX/XXXX and XX/XX/XXXX to discuss the matter and asked them to provide documentation of the calls and they refused ; in fact I was hung up on on XX/XX/XXXX. Furthermore, I have disputed this with Honda and they will not update my account nor provide support of these actions. I have attached my bank statement for proof of payment. 

The did not do what they promised to resolve the disputed charge to my account and Honda Finance has refused to work with me in this matter. I have attached a payment record.
Consumer complaint received 2021-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

I have an FHA XXXX loan with Dovenmuehle which is being serviced through XXXX XXXX. 

Due to either negligence ( or outright fraud ) by the HUD consultant assigned to my project by XXXX XXXX, the bank approved and allowed release of approximately {$63000.00} of my project escrow funds to the contractor which he then took and did not use on my project. The funds were released for project funding categories that the HUD consultant said work was completed, or that materials were ordered, where this was not the case. 

The HUD consultant also signed off on work where the contractor has caused damage to the structure of the house that now needs repair and for work that was done incorrectly and has to be redone and repaired. This has left my escrow account with inadequate funding to complete the needed renovations and repairs for my project. 

Thus far, XXXX XXXX has told me that I will just have to try and complete my renovation with the remaining project funds, which is unacceptable as well as impossible. and the renovation has left the project at a stage that no other contractor wants to take on without charging a premium. Also, costs of materials have risen since my contract was bid which would make it hard to complete the project even without the theft of $ XXXX from the escrow account. My house is just sitting now in danger of vandalism ( you name it ) and my project has lingered now for over a year ( closed on XX/XX/XXXX ). Ive been paying the mortgage faithfully for a house I cant live in which is emotionally and financially draining. 

I filed a complaint with HUD earlier this year in XXXX and they have completed their review and came to the conclusion that the bank is fully responsible for both the mishandling of the escrow funds as well as the HUD consultant. I got a response from HUD on XX/XX/XXXX that stated they were sending a directive to Dovenmuehle telling them they are responsible for the mishandling of the escrow funds ( and the consultant ) and that they need to determine to next steps and to comply immediately. Ive not heard anything or been offered any assistance and resolution as of today from the bank regarding this directive. 

I should not be required to pay for the mishandled escrow funds by the bank in my mortgage to the tune of $ XXXX with interest over the life of my loan. This to me is just a ludicrous notion. The fact that they just tell me I will have to try and complete the house with the remaining funds is insulting and negligent on their part.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/XXXX I received a text from XXXX saying " WELLS FARGO FRAUD : Did You Attempt To Send Money With XXXX For {$3500.00} On XX/XX/XXXX. Reply YES or NO. MSG & Data Rates May Apply. '' I replied back " No '' and received this message " WELLS FARGO FRAUD : No Funds Have Been Taken From Your Account. A Representative Will Be Contacting You Shortly. '' I then got a call from XXXX ( the official Wells Fargo number ) and a man claimed to be a Wells Fargo employee. He said we had to walk through some steps to avoid the funds from being transferred from my account. 
He said my phone number had been added to an account with XXXX XXXX and asked me to give him a code that was texted to me. After that he told me to go to the XXXX XXXX and put in my own name and phone number to avoid the money from being sent to anyone else. After I did that and hit send he hung up. 
I've called Wella Fargo and submitted claims but they have told me there is nothing they can do to help me.
Consumer complaint received 2021-10-27
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (DE)

WELLS FARGO IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & FDCPA RIGHTS!!!! 
Wells Fargo KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! 

I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! Wells Fargo HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! 

WELLS FARGO TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! 

WELLS FARGO IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS 7 YEAR STATUE ALONG WITH INACCURACIES!!
Consumer complaint received 2019-10-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

I disputed several accounts that were being reported on my credit report with Experian. Ive sent three letters requesting Experian to provide me with verifiable proof, such as the original consumer contract with my signature on that proves I owe the debt to these companies that are reporting on me. Experian has failed to supply these documents and continue to allow these companies to fraudulently report against my character, which is defamation. I have asked for the exact method and procedures that were conducted in the dispute investigation, but again, Experian has not provided me any of these lawful requests. I have asked for Experian to provide me the names of the end-users that have worked my file [ FCRA 609 ( a ) ( 3 ) ]. There are several inaccuracies that have been applied to the credit reporting that Experian has not addressed in my disputes. Experian is assisting and aiding in violating my consumer rights but not upholding their responsibilities as a credit reporting agency. According to FCRA 611 ( a ) ( 1 ) ( A ), the consumer reporting agency is supposed to conduct a reasonable reinvestigation upon the dispute request by the consumer, to determine whether the record is indeed inaccurate, otherwise it has to be deleted ; not just closed. This is considered unfair and unjust acts against consumers. In the case ( No. 95-CV-1743 ), Cushman vs Transunion Corp., 115 F.3D 220 ( 3rs Cir. 1997 ), the United States Court of Appeals agrees that the FCRA requires credit reporting agencies to go beyond its original sources of credit information when reinvestigating inaccuracies in disputes. The credit reporting agency must bear some responsibility for evaluating the accuracy of the information obtained. ( Stevenson vs TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ).
Consumer complaint received 2021-05-28
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. (TX)

I have complained to Experian several times about not removing the hard inquiries when they are passed the expired time to be reported. 

Experian has failed to comply with the FCRA about how they are continuing to report hard inquiries that should have been removed because its 24 months is over.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I have tried everything to resolve the issue from writing XXXX XXXX a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the XXXX at XXXX XXXX laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly XXXX to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way