davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2015-08-06
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Shellpoint Partners, LLC (SC)

I am filing a complaint against Shellpoint Mortgage for reporting an account that is not mine on my credit report. The account in question is a Shellpoint mortgage account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my XXXX report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX, which is further proof that it should not be there in the first place. XXXX should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name.
Consumer complaint received 2024-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

I am having Wells Fargo XXXX XXXX XXXX ( XXXX XXXX ) ending in XXXX. 
I had setup automated payment on this account. 
I have no idea how that automated payment was switched off.

I realized on my own ( there is no email or notification from wells Fargo regarding the same ) and then I setup again on XXXX XX/XX/year> and immediately made a payment of {$1000.00} Called Wells Fargo at XXXX XX/XX/year> at XXXX at around XXXX XXXX CST. It's so difficult to reach a human out there- annoying IVR based bot. Finally was talking to a lady who had an attitude as if she is doing a favor by working on the weekend.

I asked why my automated payment got off? it was setup. She said it was never setup. I said please check in the system and provided the previous dates when it worked. For this she said that " I am rude '' I simply told her i know it's weekend but i am also making a call on the weekend. Can you please check at least the latest automated payment is setup correctly? For this her answer was - she can't it will take 3-5 business days. I said let me talk to the supervisor. Her response nobody want to work on weekend so there is no supervisor and simply hang up the phone on me.

I was asking her to create an internal case so that i can call later and follow up regarding this issue.

This wells fargo is nothing but nuisance.

It's so messed up website - setting up automated payment is nightmare.

Then reaching out to customer service is so difficult.

Then those customer service folks are having such an attitude that they hang up the phone.

Wells fargo charges late fees of {$29.00} on this account even when this card has 0 % APR for 12 months and I had already made the minimum payment and there was no stoppage from my side regarding automated payment.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (GA)

On XX/XX/2024 I settled my account with Flagship Credit Acceptance for {$2000.00}. The account is suppose to reflect paid and settled but Flagship has continued to report delinquent each month since then. Even after contacting them and disputing the account XXXX times.
Consumer complaint received 2024-11-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (AL)

CREDIT ACCEPTANCE CORPOR SYSTEM REFLECTED VEHICLE PAID IN FULL AS OF XX/XX/2024. TITLE/ALL PAPERWORK HAVE BEEN RECEIVED BY OWNER. 
BUT, XXXX, XXXX, OR XXXX DOESN'T HAVE CURRENT PAYMENT INFORMATION AS IT HAVE BEEN RECORDED EVERY SECOND OF THE MONTH, NOR REPORT INFORMATION OF CURRENT PAID OFF IN FULL STATUS AS OF XX/XX/2024. AS OF XX/XX/2024 CREDIT ACCEPTANCE ADVISE TO WAIT UNTIL THE END OF THIS MONTH FOR REPORTING. I AM REQUESTING IMMEDIATE REFLECTION OF THE CORRECT CURRENT PAID IN FULL STATUS TO BE REPORTED. THANKS!
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I had additional fees added to my contract. A service contract which I never used was added in order to get the loan. I was told that the down payment was XXXX price then when I went to pick up the suv i was told that I had to pay more toward the down payment in order to drive off.
Consumer complaint received 2015-10-15
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX I sent a wire transfer on the amount of XXXX from our account on Bank of America, XXXX XXXX XXXX XXXX to a company in XXXX, XXXX XXXX, XXXX Bank, dollar account. The Supplier responded to me one week later that they have no receive the money. Since then I has been in contact with bank of America, wire transfer XXXX XXXX XXXX XXXX and they say they transfer the money to XXXX, but XXXX have not received. I ask for the money to be returned. Nothing have happening and they tell me that XXXX have answer.
Consumer complaint received 2024-11-16
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (TX)

On XX/XX/year> we lost our home to a huge house fire. We contacted our mortgage company shellpoint on XX/XX/XXXX and they sent a rep out on XX/XX/XXXX, they took pictures and said that this was a total loss. We also found out that they had placed a hazzard insurance policy on our home with them ( Shellpoint ) as the only one covered and the policy holder. We only owed XXXX dollars left on the home at the time of the loss. We reached out to XXXX XXXX XXXX XXXX because that was the insurance company listed on the policy to find out what was going on. They stated that they sent a check out on XX/XX/year> that would cover the pay-off of the loan, plus additonal funds. However it has yet to be applied to the balance of our loan for the complete pay-off. This home is a mobile home and can not be rebuilt nor do we wish to, so there is no reason at all for shellpoint to be holding on to this check, and for us to keep continuing to make mortgage payments on this completely burned home. We have made XXXX more payments on this home since its burned down, and the mortgage company is sitting on a XXXX dollar check. We believe they are doing what we call double dipping which is illegal. We can not buy another home with this open mortgage loan.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2015-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Tri-Counties Accounts Adjustment Bureau (CA)

Hi, I am a victim of identity theft. Someone used my personal information and identity for fraudulent gain. I did not create the accounts or gained any services or goods from them. When I became aware I was a victim, I reported it to the police, FTC and credit bureaus ( XXXX, XXXX and XXXX XXXX ). Account Recovery Services is a fraudulent account and is being reported on my credit report. I notified them via certified dispute letter with a copy of my police report, FTC affidavit, identification, current mailing address and explained to them the debt was not mine and a result of identity theft. Account Recovery Service verified the fraudulent account with the credit bureaus and have not removed their reporting of the fraudulent account, ignoring my disputes. The debt is n't mine and is a result of identity theft.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

DELETE HARD INQUIRIES In accordance with Fair credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C Section 602A. States I have the right to privacy.

15 U.S.C Section 604 a Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report agency 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 XXXX sever years. 

15 U.S.C 1681s-2 ( A ) ( a ). A person shall not furnish any information relating to a consumer to any consumer agency reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

DELETE THE ACCOUNT BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-22
Product: Credit 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: BMO Bank, N.A. (CA)

I was charged XXXX on XX/XX/XXXX from Diners Club for an XXXX XXXX visit on XX/XX/XXXX. They should not have charged me as I have full insurance that paid this claim. I have tried to deal with them several times and sent them the proof that insurance paid, the explanation of benefits, and my insurance company tried to follow up with them as well. They refuse to suspend this amount as they say they dont do that. I dont understand as that is illegal when I have submitted proof that I should not have been charged.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX. Date : XX/XX/2023. 
- Creditor name : XXXX XXXX. Date : XX/XX/2023. 
- Creditor name : XXXX. Date : XX/XX/2023. 
- Creditor name : XXXX XXXX XXXX Date : XX/XX/2023.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc. (ME)

Attempted to pay off card balance in XXXX. Only allowed me to pay off a percentage of it. Called in XXXX and paid remaining balance in full. In XXXX received a bill for {$2.00} interest. Called and spoke with rep who was going to waive the charge. Didnt do it afterall as in XXXX received another bill for a late fee and additional interest charges now owe {$4.00} including XXXX late fee and have reported 30 late payment to credit bureau when I paid the balance in full back in XXXX. Called again todays date XX/XX/year> and was told something different by 3 representatives and refused to allow me to speak to a supervisor and wouldnt wipe out the {$4.00} ; therefore, I paid {$6.00} today and they will now owe me money and I have requested my card to be canceled. They said they have properly escalated my request to a supervisor who will contact me by email after I requested repeatedly to be contacted by phone. Lastly said my card cancellation will be processed once the payment posts but hasnt yet posted ( why I have no idea for the delay as its always done in seconds while on the phone ) but then said my account was closed. So which is it?? It must be illegal to charge interest fees, late fees and report a bogus balance due to the credit bureau for late payment of false charges when the balance has been paid in full. It has now been paid in full again with an overpayment so can I charge them interest on the credit balance that should now be on my account? I have requested a refund check for my credit balance and a letter stating my account is closed with a XXXX balance. The rep also didnt ask my permission to repeat my cc # back to me and just rattled it off along with my exp date and zip code which I know is a privacy violation by federal law.
Consumer complaint received 2024-11-20
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (FL)

This letter serves as a formal complaint you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance weather reported or not. 
Auto Loan-Westlake Financial Servic.Account ending XXXX XXXX I also respectfully request to be provided specific proof that these alleged payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to process that proof, or if lacking proof of these payments being late, please update my payment history to PAANL ( Pay As Agreed, Never Late ) according to consumer laws
Consumer complaint received 2024-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CA)

I took financing plan from XXXX and bought a phone. But after some days, I decided to return the item as I do not like the item. I returned the item on XXXX which was within the return window to adhere with the company 's return policy. I packed the item and dropped it into the box, on that day. On XXXX, I got an email from XXXX saying they receive empty box and denied my refund. I was shocked and realized someone stole the item during their way to XXXX. I explained the situation to XXXX and asked them to investigate but they only said they are not giving me any refund as they received empty box. So I ask affirm for help and try to dispute the purchase. But after waiting for a long time from affirm, I received an email from Affirm on XXXX saying they sided with company because company showed them proof. I showed the affirm my receipt, my situation, the photos of the boxes and explained the situation. But affirm denied all of my explanations and sided with the company which is not acceptable as a consumer who got suffered due to the bad service process. I already made a police report about this situation to get help in legal ways.