davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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: WELLS FARGO & COMPANY (MA)

I disputed a transaction of {$510.00} which I paid for an XXXX purchase. I bought an electric scooter for my roommate as his birthday gift. The order was supposed to be delivered by Friday XXXX XXXX but it hasnt arrived yet. Whenever I call XXXX regarding the issue, they just postpone the delivery date. They said it will be delivered on Saturday and when I called them again, they again said it will be delivered some day later. 
I am so frustrated at the XXXX customer service. I have been a loyal customer of XXXX for years and they couldnt keep their promise of lightning fast delivery for their XXXX XXXX  customers. I am so embarrassed I couldnt attend my roommates birthday party just because they ruined the gift. I deem this to be customer dissatisfaction of the highest level and thus dispute the transaction. 

And since the credit card I used to pay for the card has purchase protection and am covered for customer dissatisfaction, I disputed the dollar amount with Wells Fargo. I used their XXXX XXXX. They registered the dispute but have been lazy about resolving it. 

My statement closing date is XXXX XXXX and I am afraid that of the {$510.00} would be showing up on my statement balance. It currently shows up as a posted transaction and is included in the statement balance. Since the dispute is ongoing, I am technically not required to pay the interest or fees for this charge until the dispute has been resolved. However, even after paying the remaining bills on the credit card, this charge still stays there and if not paid, it gets reported to credit union. 

I requested the bank to help me suspend that transaction or give a probationary credit or do something to take that {$510.00} out of the statement but they said that the cases take 10 days to resolve. In ten days, this balance would have been reported and my credit score would be damaged. 

My credit limit on the card is {$2000.00} and {$510.00} balance would mean 26 % credit utilisation. I have been using this card for the last three months and always I have paid the full statement balance before the cycle closing date. I never even had {$1.00} balance being reported to the credit union for this card. Now, a 26 % utilisation being reported on this card would mean a huge impact my credit score. 

I requested the company to alleviate my situation but in vain.
Consumer complaint received 2022-11-28
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. (GA)

I submitted a dispute letter on XX/XX/XXXX, as my sixth attempt to let you know that I was the victim of identity theft, and I'm writing to contest some things that the criminal added to my file. The things I'm disputing have nothing to do with any purchases I made or authorized that resulted in the acquisition of any products, services, or money. Please prevent any information in my credit file that was obtained through identity theft from being reported. I don't know what these things are. Additionally, I have concerns about the accuracy of the information you provided on some accounts because it has been DELETED from other bureaus, and the reported payment histories on some accounts are a mystery to me. FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items as they were the result of the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-28
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. (AL)

XXXX XXXX XXXX XXXX XXXX Domestic XXXX and Identity Theft Victim in offense of identity theft ; which prohibits " knowingly transfer [ ring ] or us [ ing ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ).

-Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C . 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties -- in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture.

Other Violations : Fair Credit Reporting Act The Privacy Act of 1974 15 U.S.C. 1681 g ( e ) Identity Theft and Assumption Deterrence Act Ala Code 13A-8-190 Ala Code 13A-8-193 Ala Code 13A-8-194 & 195 Ala Code 31-13-14
Consumer complaint received 2022-11-28
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: CCS Financial Services, Inc. (CA)

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Ceast & desist Re : Notice to Cease and Desist To Whom it May Concern ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/2022. 
While checking the above report, it came to my notice that your Company has furnished an account on my report. 

In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums.

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation Sincerely, XXXX XXXX XXXX Beneficiary ALL RIGHTS RESERVED
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My employer is : XXXXXXXX XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section XXXX of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2022-11-28
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. (GA)

These inquiries do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA (DC)

I XXXX XXXX natural person practicing my right to rescind. I have made an attempt on XX/XX/2022 to rescind on this fraudulent contract with XXXX XXXX. I sent Rescission of Contract, Cease and Desist letter Affidavit of Truth. XXXX has not attempted to rebut my Affidavit. XXXX has been continuously violated and Harassing me by continuing to send statement about a debt I do not owe, I Told XXXX to Cease all communications with me and send me the Title to my vehicle.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (NJ)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2018-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

I have tried on a number of times in person and via phone to contact this company. Tonight at XXXXXXXX XXXX I receive a call from the XXXX from Rushmore saying that I am late in my payment. NO I am not late. The due date is XX/XX/2018 which has a grace period of 15 days. Thus I am not late. This is called harassment. The woman 's name was XXXX and her number was XXXX XXXX XXXX. She called me for no reason except to harass me. 

I am not late in my payment. I have also paid my taxes on the house which they told me they would incorporate but they lied. I met in person with a woman Rushmore. I sent her emails and I called her. She did not have the decency to call me back or acknowledge me. Rushmore is a corrupt company and they lie. 

I have asked for a reduction in my balance because it does not make sense that after 12 years of payments to various companies I still owe XXXX. Not only they have no right to call me when I am not even late in my payment but they should tell me that after paying my county taxes why my mortgage is still high more than 600 dollars every month. This company which is represented in the US is actually in the XXXX. Who knows who their so called investors are.
Consumer complaint received 2022-11-28
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. (MO)

In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 

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 XXXXXXXX XXXX, Account name : 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 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 or 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 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

The credit bureaus make up things and place it on my credit rather than focusing on accuracy. They show payments for dates I don't have statements for. In addition the account was closed in XXXX Their dates don't match the facts I have.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

XXXX file for loans/credit cards and have a unwanted guest on my credit report acting as if me putting unwanted freezes and comments on my report I have access to experin someone has my information I need to remove comments and access to my credit report
Consumer complaint received 2022-11-28
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)

I sent a letter last XX/XX/XXXX, as my sixth attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. 

These inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX date of inquiry XX/XX/XXXXXXXX XXXX date of inquiry XX/XX/XXXX
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (NC)

On XXXX, XX/XX/XXXX, I learned that Pentagon Federal Credit Union had reported Three ( 3 ) 30 Day delinqu3nt status notes on our account this year -- in XXXX, XXXX, and XX/XX/XXXX. I learned this from a loan officer who was attempting to approve us for a construction loan when she revealed our actual credit scores to me and the likely reason ( these multiple [ Three ] 30 Day delinquent notes on our PenFed Account. I reached out to PenFed and spoke with a customer service associate who said the only way they could assist me would be open an investigation which would require penfed to inquire of my credit report. Though I asked directly, they could not verify over the phone if they indeed had reported our account as 30 days late for the months of XXXX, XXXX, and XXXX. They instead told me to digitally consent to a hard credit inquiry for Penfed to do the investigation. At this point, after the damage to our credit report that has resulted from 2 months of incorrect delinquent accounting, at a time when we are pursuing a construction loan for a homebuild, I, dissatisfied with their " investigation '' process and wary against additional credit inquiries at this important juncture, have been advised by my loan officer and my own best judgment to file the complaint with this bureau in hopes of achieving an effective and timely response from PenFed. Additionally, I co-own this debt with my wife, and am unsure if she needs to open her own complaint.

I have verified that we have indeed only had One ( 1 ) 30 day delinquint payment on our Penfed account this year. In XXXX, we made a payment that was 30 days delinquent due to oversight. We reached out to the Penfed CEO with a letter of good will asking for the late status to be forgiven, as we had never been 30+ Days delinquent at any point since this loan had opened in XXXX. Unfortunately, PenFed denied our request. However, We brought the account current and have kept the account current ( Every payment made before 30 day delinquent status ) since the XXXX Payment ( due XX/XX/XXXX ). 

These details are noted in the billing history snapshot attached, which I took from Penfed 's website. I also have attached every bank statement that reflects each payment draft noted on the transaction history. Additionally, I have highlighted each transaction in the bank statements that corresponds to my annotation of the Penfed XXXX history. 

The fair solution here is to remove the 30 day delinquent statuses for XXXX and XXXX, XXXX, as these payments were not, at any point, 30 days delinquent.
Consumer complaint received 2022-11-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP (FL)

I am filing this formal complaint against US Bank in reference to my US Bank Home Equity Line of credit account # XXXX. My debit card associated with this account was stolen and fraudulent charges were made on my account, and US Bank refuses to cancel my stolen debit card or reverse the fraudulent charges. US Bank has one of the worst customer service departments that I have ever dealt with. On Wednesday, XXXX XXXX 2022, I noticed XXXX ( XXXX ) separate fraudulent charges on my US Bank home equity line account that were charged with a stolen debit card linked to my account. I attempted to call US Bank approximately XXXX times or more and spoke to over XXXX different representatives over the course of XXXX hours. Every time I talked to a representative, I was put on hold for a long time or had the call disconnected. Sometimes I would get transferred to another representative and after XXXX hours nothing was ever done and I could not reach anyone who would cancel my stolen debit card or decline the fraudulent charges. The XXXX ( XXXX ) fraudulent charges on my account were all made on XXXX XXXX 2022 in the amounts of : {$740.00}, {$24.00}, and {$150.00}, respectively. When I talked to XXXX rep at US Bank named " XXXX '' I was given dispute # XXXX. But the fraud charges are still on my account. I am demanding that my stolen debit card be immediately cancelled and that the fraudulent charges on my account are immediately reversed. If the charges are not reversed I will take further legal action against US Bank and seek a court order to have the charges reversed and have my account closed, and permanently cancel my business relationship with US Bank. It is unfortunate that US Bank refuses to address fraud charges on my account after I have been a loyal customer for so many years with multiple credit card accounts and this home equity line account. Sincerely, XXXX XXXX
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

Equifax is incorrectly reporting this closed credit card info. They show a payment history and updated information where there is none. The card has been closed for years with no activity at all! They show no information that's accurate. So for their error they decided to update the account to their specifications avoiding the legal ramifications associated with falsely placing information on credit reports per the FCRA! None of the info they show is accurate and the dispute is a mute point!! They never corrected information even after I demanded they do so!!! I'm including XXXX XXXX  in this complaint to correct the information since Equifax can't seem to figure out anything or how to do anything right. My dispute is with Equifax for always reporting inaccurate information on my credit!