davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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)

I am writing to formally notify you of violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681n, about the unauthorized use of my consumer report by your organization. I have discovered that my consumer report was accessed and used without my express consent or lawful authorization, in violation of federal law.

Violation of 15 USC 1681n : Civil Liability for Willful Noncompliance Under 15 USC 1681n, any person who willfully fails to comply with the requirements imposed under the FCRA concerning any consumer is liable for damages. The violations by your company in this case include but are not limited to : Unauthorized Access to Consumer Report : My consumer report was accessed without permissible purpose under 15 USC 1681b ( a ), which explicitly lists the conditions under which a consumer report can be legally obtained. No permissible purpose was present in this case.

Failure to Notify of Rights : Under 15 USC 1681g ( c ), you are required to provide a clear and conspicuous summary of consumer rights under the FCRA when my consumer report is used. This right was not honored in this instance.

Failure to Ensure Accuracy : Under 15 USC 1681e ( b ), you have a legal duty to follow reasonable procedures to ensure the accuracy of the information in consumer reports. The information in my report was not accurate, nor was it verified before being used unlawfully.

Negligent Noncompliance ( 15 USC 1681o ) : Should this matter be determined to involve negligence, you are also liable under 15 USC 1681o, which imposes civil liability for damages caused by negligent noncompliance with the FCRA.

Damages As a result of your willful noncompliance, I am entitled to actual damages, punitive damages, and statutory damages of up to {$1000.00} per violation, along with reasonable attorney fees, as outlined in 15 USC 1681n ( a ) ( 1 ) ( A ).

Additionally, I reserve the right to pursue remedies under : 15 USC 1681p : The statute of limitations for any legal actions concerning FCRA violations, which allows for recovery of damages up to two years from the date of discovery of the violation.

15 USC 1681q : This provision imposes penalties for knowingly and willfully obtaining information from a consumer reporting agency under pretenses, which may also apply here.
Consumer complaint received 2024-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (MD)

XXXX XXXX XXXX Preliminary loss mitigation filed ( XXXX XXXX XXXX ) while open loss mitigation review was on the table ; regular mail sent to a relative home instead of property address on XXXX XXXX XXXX ( postmarked XXXX XXXX XXXX ) ; and Final loss mitigation filed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX working with a housing XXXX and receiving a secure message after the line was filed with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX date prior to being notified that the case was closed for review w no mention of knowing about a housing counselor.
Consumer complaint received 2023-02-07
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. (MO)

For years I fought against collections from a XXXX XXXX XXXX XXXX, claiming they have accounts from XXXX for years I did not visit the hospital. The reputation of the doctors incompetence, as well as the overcharging XXXX does keep me away, and instead I visit local clinics and pay for my visit the same day. I have not had any significant medical issues since I was XXXX, and hit by a vehicle. That was the last time I would go to that hospital, except for with others when they would go. 

My issue is that both XXXX and XXXX took this information, found the investigation in my favor that the company could not furnish proof that it wasnt identity theft. I took this information to Experian. Using my other credit reports to show that they had been removed, the dispute results from both XXXX and XXXX, and tried to fight this collection on my Experian. Experian investigated one account out of two, and labeled to other as correct and refuses to take any more information or change their decision.

Essentially they looked at the two accounts from the same company and said one could be removed, but didnt at all bother with the second investigation. I never received information about the dispute in progress other than for the account that was removed.

I also want to add that I could not dispute them online when I started this process. I had to call and speak to a representative, and I believe that he did not enter my dispute in correctly then.
Consumer complaint received 2022-06-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I'm filing a complaint to let Equifax know that LITIGATION IS PENDING if these items are not immediately removed. My attorney advised me that we can seek damages of {$1000.00} per violation, according to the FCRA. On XX/XX/2022 Equifax received a letter I sent regarding inaccurate and unknown items on my credit report. Over 30 days went by and I never received a response! I feel like I have been taken advantage of, and my disputes are being deliberately ignored. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives reason to immediately delete these items from my credit report! Clearly they violated my rights because 30 days went by with no response. These items need removed immediately or we will pursue litigation due to the immense stress Equifax has caused me, and their continual violation of my rights! Equifax also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) - The credit bureaus are supposed to complete the investigation before the expiration of the period under Section 611 ( a ) ( 1 ). ACCOUNTS : XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX Account XXXX XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. ( ACCOUNT NAME NOT EVEN LISTED ) Account # XXXX, has violated my rights. I will attach the tracking number below, along with my dispute letter that I've sent to Equifax to try and rectify the situation, you can clearly see they have been violating my rights, and have failed to do a proper independent investigation as required per the FCRA. These accounts need deleted immediately. They didn't complete their investigation, or respond, within the 30 day period AS REQUIRED BY LAW! Also filing complaints with Attorney Generals Office, & XXXX. Tracking # : XXXX
Consumer complaint received 2022-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (MO)

1 ) This is not a valid debt. It was disputed two years ago with no response from the original company.

2 ) I disputed this debt with another collection agency and they stopped action rather than responding, so once again this is not a valid debt.

3 ) I sent them a dispute letter and they never responded. So once again this is not a valid debt.

4 ) They are reporting the date of this debt as being now, rather than two years ago as it actually is.
Consumer complaint received 2022-06-30
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (AL)

I am an XXXX Driver. I recently moved to another state and requested that XXXX change my location which they did. I submitted all my documentation and they ran a background check using a third party provider which is CheckR. 
They informed me that I was ineligible XXXX XXXX because of either a pending XXXX XXXX or XXXX. I reached out to both XXXX and Checkr numerous times notifying them that the information was incorrect. I have never been charged or arrested for anything. I requested a detailed copy of the report from Checkr as I know I am entitled to see what is on it. Checkr is sending me only a brief summary of the report and not giving me the full report listing the charges making it impossible to dispute the information on the report. I did speak to attorney who told me to get the full report from Checkr so that we can dispute the incorrect information they are reporting. 

Please see the supporting documents that I have attached. You can contact me through, phone, text or email with any questions. 

Thank you for your help and attention to this matter.
Consumer complaint received 2022-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

Citibank declined our mortage refinance application stating we had insufficient income for our total obligations and insufficient stability of income. During every step of the process, we provided every single document they requested including the most recent statement from XXXX from XXXX XXXX before the U.S. Government placed student loans on deferement. They stated that this statement along with my entire payment transaction history was not sufficient and used 1 % of my loan amount as my repayment to calculate my debt to income ratio. I consulted with my attorney and was able to obtain a letter from XXXX stating my repayment amount when repayment started in XXXX of XXXX. I sent this letter to Citibank on XX/XX/XXXX after they issued the adverse notice on XX/XX/XXXX. Not once did the underwriter ask for such a letter which could have easily proved the payment amount and kept our debt to income ratio in line for approval. We have kept all of the correspondence from citibank during this process and can prove that we submitted all the required documentation multiple times because of Citibank 's failure to appropriately organize our loan documents. In addition the insufficient stability of income is a completely unfounded claim. Citibank would not use one of my secondary sources of income through the XXXX XXXX where I have worked consistently for the past 4 years despite my providing tax documents from XXXX XXXX and having our loan officer confirm with the XXXX XXXX  that I am a regular Sunday employee. Neglecting to count the XXXX XXXX as income has reduced our monthly income by {$2200.00}. There is absolutely no reason for the underwriter to state that this is unstable income. 

Citibank reviewed the letter that I obtained from XXXX the day after they gave us an adverse notice and told us this Tuesday XX/XX/XXXX that our debt to income ratios were now in line and we could be approved for the refinance. Today XX/XX/XXXX we got a call from our loan officer and received notice that our debt to income ratios are still not in line because mortgage rates have increased and there is no guaranatee that my XXXX XXXX income will be counted. 

The inability for us to be approved for the refinance falls on Citibank because the underwriter did not do their job appropriately and ask for the correct documentation. I am not a lending expert and would not know that you can obtain a letter from XXXX  showing what a future payment would be. It is ridiculous that I had to contact an attorney for help with this. There is also severe bias in the fact that my XXXX XXXX income was not included when we provided more than sufficient evidence.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NC)

I received a letter from American Coradius International, LLC on XX/XX/22. The letter said they were a debt collector trying to collect on a debt owed to XXXX in the amount of {$2700.00}. I do not owe any money to XXXX. I called XXXX to verify and they said this was a scam.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

We paid our XXXX 's account off early ( Amount : {$1100.00} Date : XX/XX/2020 ) and have asked that they remove the recent 30 day late payment in XXXX, 2020 due to financial hardships but they are not working with us. We were trying to get through these recent hard times and trying to save and purchase our first home but this is affecting my credit so much and I find it extremely heartless that they won't find it in theirs hearts to delete the negative information especially because they've got their money we owed them and paid it off even earlier than expected. Can you please tells us what other options we have or please help us out to get a resolution?
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WA)

Requesting the following documents from American Express : 1 ) Credit Card Statement XX/XX/2019 American Express credit card statements for the time period of XX/XX/2019 for card number ending in XXXX and XXXX 2 ) Credit Card Statement XX/XX/2019 American Express credit card statements for the time period of XX/XX/2019 for card number ending in XXXX and XXXX 3 ) Credit Card Statements XX/XX/2019 American Express credit card statements for the time period of XX/XX/2019 for card number ending in XXXX and XXXX
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc. (TX)

I submitted an application for SoFi Credit Card through the link ( XXXX  : XXXX ), which clearly showed earning {$200.00} bonus when spending {$1500.00} in the first three months of account opening. My application was approved on XX/XX/2022. I spent more than {$1500.00} with the credit card and has not yet received the bonus. I contacted SoFi customer service and was told by email that my credit card account was not eligible for the promotion bonus.
Consumer complaint received 2022-09-02
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)

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This is the second time Bank of America has sent me a promotion and not honored it. The first time they claimed I didn't meet the qualification, and I let that go. However, this time not only did I meet it, but they admitted to me meeting it and refused to honor my promotion. The promotion code was XXXX and it stated {$500.00} had to be deposited into the account within 6 months and you will receive {$200.00}. I meet the qualifications the beginning of XXXX and I gave them until XXXX to make the deposit. When I called to question why I had not received the funds it was escalated and the refused to honored it. When all call to see why it was not honored they stated they will not going to honor the promotion even though I met my qualifications. The result I am looking for is for the bank to honor my new savings account promotion, as well as my new checking account promotion. My savings account was opened on XX/XX/2019.
Consumer complaint received 2020-05-15
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CO)

I have a " XXXX XXXX '' branded XXXX credit card provided by Comenity bank. I use this card monthly for purchases and pay the balance in full. According the marketing and terms of the card, " points '' should be accumulated when purchases are made. These points can be redeemed for rewards, Sony purchases, etc. On XX/XX/XXXX I received an email from the company stating that " were working hard to fix the rewards issues caused by our recent system update '' - I examined my account and noted that no points were accumulating despite eligible purchases being made on a monthly basis. After several months of waiting, I contacted the company on XX/XX/XXXX via their messaging center and notified them that points were still not accumulating. They requested that I contact the " XXXX XXXX team at XXXX '' and when I did so on XX/XX/XXXX, the representative I spoke with confirmed that my account was in a broken state because " XXXX accounts exist in our system and they aren't linked. '' She confirmed this is not something I caused or could resolve, and that she would escalate my case for resolution in XXXX weeks. Because the issue was not resolved, I called again on XX/XX/XXXX. Again the rep stated the issue needed to be handled by their " XXXX  department '', sent me an email with a case number, and estimated " a couple of weeks '' for resolution. Noting that the problem had still not been resolved, I contacted XXXX again on XX/XX/XXXX. Again I was told " we will send this to our XXXX  department, please wait XXXX weeks '' - I do not believe the company will ever make good on its promise and would like assistance in reaching a resolution.
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$4400.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX AR XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}