davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

I have insisted that WellFargo keep my personal and small business assets separate for legal purposes, as recommended by my accountant and attorney. WellsFargo has consistently mingled access to those accounts against my expressed wishes. 

When I attempt to make a personal transaction, they routinely pull up the business and vice versa. This is online and in the branches. I have told them my business debit card should only access my business accounts and vice versa. My personal mobile phone should only access personal accounts automatically, and the same for my business phone. 

I tried to make multiple payments from my small business account on XXXX XX/XX/2023, but received a message that I had to contact them. After nearly XXXX hour, the only information I could receive was that the number on the account is not valid because it is not a U S based mobile number and not accepting texts. My office number is XXXX and accepts texts. We receive and make multiple text messages daily from that number. No one really knew anything or could help. This was not a problem days ago. 

If I can not pay my bills, including to WellFargo, I can not operate my business properly. I mentioned to them that larger businesses do not provide the personal mobile contact information to them. This is a problem of their making and needed correction. 

An LLC is a legal entity that protects the personal assets of the owners, unless they co-mingle assets. WellsFargo forces mixing of these assets to harm the small business owner by forcing the business owner to bypass those protections. If they want me to call in or have some passcode or something that is fine, but to randomly, arbitrarily, and capriciously block my access to my accounts, after 3 years is not tolerable. 

Had I not been paying weeks early, I could have been forced to default on my rent, business credit cards and lines of credit with suppliers closed, and I would have been forced to default on my line of XXXX with WellsFargo.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently reviewed my credit report, and noticed my XXXX XXXX account ( Account number XXXX ) was not reporting accurately. It showed i had a late payment, that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX Last XXXX of SSN - XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting actXX/XX/XXXXaccount XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was never late on this account. I am demanding proof but I haven't received any. 

Dates Late Reported XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2020-04-18
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. (NJ)

I pay my payment to XXXX on line as many people have a problem with their billing system you pay the lease payment on line then they contact you stating the payment did not post and Charge you late payment and reporting late fees I have had XXXX leases for many years never had this problem till I did on line payment they are impossible to reach and give a constant run around its getting extremely frustrating I want theses 4 late payments removed it completely unbelievable why dont they contact people before the 30 days late no they just want to collect late fees its piracy please help me to remove this ASAP unfair reporting
Consumer complaint received 2023-10-10
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc. (LA)

I was informed by representative to continue with previous complaint due to misrepresentations. My previous case number was XXXX. 

XXXX XXXX, XXXX and XXXX, My itemized account was disputed due to misused of information. You stated in your feedback that you are in communication with an attorney ( as requested ) and the itemized statements were directed to only " my attorney ''. I have not yet officially hired an attorney, therefore I do not have an attorney. Please provide the business agreement between you and the company that you stated you sent to an attorney ; pertaining my last 4 digit social, WET INK signature, because I do not recognize coming into agreement with you or gave consent to the original creditor to give out any of my personal information. Provide the documents and please send it with notary to verify authorization and not a computerized letter. Also, state 15 U.S. Code 1692e ( 2 ) ( A ) & 15 U.S Code 1692e ( 3 ) - False or misleading representations. Due to you stating to have sent the document to an attorney whom does not exist.
Consumer complaint received 2020-04-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX XXXX, XXXX ( XXXX ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached.
Consumer complaint received 2023-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (MD)

On XX/XX/2023, my husband and I met with XXXX XXXX from PNC Bank located at XXXX XXXX XXXX, XXXX, MD XXXX at XXXXXX/XX/XXXX. We inquired and submitted a loan application for a personal loan in the amount of {$8000.00} and wanted to increase my husband 's credit score, thereby, asking for the loan to be in my husband 's name as the primary borrower and myself as the secondary borrower since I had great credit. The loan was denied based on my husband 's credit score. We met with XXXX XXXX again on XX/XX/XXXX at XXXX and completed another application with myself as the primary and my husband as the secondary borrower and the loan was denied due to my husband 's credit score which baffled us. Prior to XX/XX/XXXX, I applied a third time for the loan by myself and it was denied due to too many inquiries from PNC, which baffled my husband and I again. XXXX XXXX contacted the underwriter department to ask for an explanation of the denial and he persuaded their decision, and it was reversed. On XX/XX/XXXX, I met with XXXX to pick up the check in the amount of {$8000.00}. I noticed the interest rate was 17.135 % and asked for an explanation. XXXX gave me the phone number to the consumer loans underwriter department, and I called them on XX/XX/XXXX regarding the explanation of the interest rate. I was given the complaint # XXXX and was told someone will call me back in a few days. PNC called me on XX/XX/XXXX and XX/XX/XXXX regarding my concern and I was told that loan rates are applied based on zip codes as well as the computer algorithm decides the rates for the customer. I questioned both procedures and didn't get an answer. I was finally informed that PNC don't have the personnel to review and approve all the loans, thereby, the computer assists in that area. I strongly believe the loan rate should be around 9 - 13 % based on my credit score of XXXX and not a predatory rate of 17.135 %. I asked for a follow-up call regarding this issue and haven't heard back from PNC. Also, I noticed on my Credit Monitoring report that the PNC {$8000.00} loan has increased to {$8000.00}, which is false.
Consumer complaint received 2020-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX   which was bought out by capital One but instead they stated that it was a debt with XXXX XXXX XXXX that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of XXXX XXXX XXXX XXXX XXXXCapital One. This debt was Re-aged and XXXX XXXX XXXX did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made XXXX XXXX could not. The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by Capital One/ Then was Re-Aged by XXXX  XXXX XXXX which is illegal and in clear Violation for the FCRA and FTC
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with Fair Credit Reporting act XXXX account # 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 2023-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (FL)

I enrolled in a XXXX fitness program in the spring of 2023, I believe it would have been XXXX or XXXX. Someone in my life passed away causing me to move and I was no longer able to attend the gym and wished to cancel my membership. I contacted them multiple times to cancel my membership and they refused and continued to try to charge me. After my last attempt at communication they never responded. I assumed they canceled my membership as I was no longer getting charges for it from my bank. I found out today that they sold my debt to Aldous & Associates, I was not aware of a debt as I believed my membership to be cancelled and was never told otherwise. The debt is in the amount of of {$260.00}, which I am sure seems like a small amount but I simply do not have this money in my budget, my bills increased exponentially after I had to move due to loss. But I also don't believe I should have to pay this and that this is a result of Crunch fitness 's horrible customer service lack of empathy for its patrons, as I requested several times to cancel this membership. When I called A & A to dispute the debt as it says I can do on the letter, the woman on the phone told me that I had to write my dispute and it's the only way they'd accept it. Which I think is wrong as it says I can dispute it over the phone.
Consumer complaint received 2023-10-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (AR)

This is the second issue last year I paid towards the principal. I don't know what happened to my extra {$200.00} but my payment increased. The rep told me it was only a few dollars more. I told her that wasn't the point. I complained to Selene but nothing was done. This year I received a notice that I could pay the escrow shortage again. I did pay it, they received o XXXX XXXX. Well they did the same thing. It was put in a suspense account. No one can tell me why. I put the slip in there about the shortage and the amount. They took it out of the suspense account. Several reps are telling me that I will need another escrow analysis. Why when I am paying the storage? This what I was told last year but they claim My mortgage wouldn't decrease if I paid to the principal. That was my first time hearing that. This is the worst company to have a mortgage with. But my mortgage was sold to them. I wish I could add attachments to this complaint. I contact Selene Loan resolutions and customer service on the phone a emails.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately
Consumer complaint received 2023-10-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Volvo Car Financial Services U.S., LLC (OH)

Final vehicle payment on account XXXX ( the only account I had ) was made for {$370.00} on XX/XX/23. VCFS reported a new account, XXXX, on my credit report, showing the same amount due. At no time did I authorize VCFS to open a new account. 

This has been reported to XXXX XXXX ( XXXX ) times in an attempt have the fraudulent account removed. 

I called VCFS and they could not substantiate the actions taken nor the amount " due ''. 

I received another statement for account XXXX dated XX/XX/23 and VCFS still can not provide substantiation.
Consumer complaint received 2023-10-09
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 would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to remind you of my rights under XXXX U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX
Consumer complaint received 2023-07-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I had autofinance fraud attempted at XXXX XXXX XXXX and also XXXX XXXX XXXX and the same day Fifth Third Bank shows also a credit inquiry to my credit reporting service and I have absolutely neve had anything to do with this bank and it is identify theft I tried to call this bank and they wanted all sort of details and would not transfer me to fraud and I gave my name only and she wasnt interested and seemed incompetent and keep asking me for my bank account no which does not exist so I am forced tofile this complain. I do not have any details as fifth third bank was useless when I called. and its listed on my credit report the bank with someone unknown faking my identify tried or did something.