davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX has been appointed a 3rd party service provider for the refund of unauthorized add-on products ( Identity theft ) from Wells Fargo XXXX I called XXXX XXXX after receiving a letter from Wells Fargo regarding add on fees I incurred from Wells Fargo unauthorized. I was informed I would be mailed a check in the amount of {$460.00} plus an additional {$250.00} for fees I had incurred. Unfortunately, I have not been compensated as promised. I was only mailed a customer satisfaction check for {$250.00} and not the {$460.00} in fees I had incurred. I was initially told I would be reimbursed within 20 days. I was then told 30 days, then 45, and finally 60 days. I was also, told my case would be escalated yet still nothing. I requested a mediation form to be mailed so I could fill that out while I awaited payment and unfortunately XXXX has refused to adhere to the timeframe to reimburse. This is not acceptable & even more frustrating because Wells Fargo has caused financial hardship to me due to overdraft fees, add on product fees, etc. This has resulted in account bank account closures and a tarnish on my banking report. My reference number is XXXX.
Consumer complaint received 2023-07-04
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: Fidelity National Information Services, Inc. (FNIS) (MO)

I have noticed on my three credit reports unauthorized credit inquiries hard and soft inquiries. I have not applied for any credit or to purchase a car or anything this is attempted Identity fraud. I have had a prior case in the past where my Identity was stolen and used to fraudulently obtain credit. I know these are the product of the same thing. I should have caught them sooner. I have been in contact with the companies and have either I feel purposely gotten hung up on or not wanted to be taken care of. I was actually told they were not approved so why are you worried? I would like a freeze put on my credit reports as well. Plus a statement as to any credit inquiry needs to be verified by calling me. below are a list I have at this time of the inquiries and the dates of said inquires that are not mine. personify XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is the list list I have so far please remove these fraudulant inquiries. Thank You
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00}
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (AR)

I've been trying for months to remove this account off of my report. This account was not authorized by me. I have recently been informed of being a victim of identity theft. I have also been notified that by reporting these accounts, the companies are in violation of the fait credit reporting act. XXXX, XXXX and XXXX are governed by the FCRA, an according to 15 USC 1681 b ( a ) ( 2 ) clearly states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It isn't possible for me to give written consent on a account that wasn't open by me. They are also violating the Gramm Leach Bliley Act. Which states that a consumer must be given the right to opt out of their information being reported. No lender ever gives that option. With that being said, I demand that the following accounts be removed from my credit report : PRINCE PARKER AND ASSOCA {$4200.00}.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I work as a sales consultant for my company XXXX XXXX XXXX XXXX. I set up a business checking account with my bank JP Morgan Chase. I was told after setting up my account in the bank XXXX XXXX XXXX XXXX XXXX that I would be able to use we pay as an ACH in order to process incoming payments as well as to send out requests to be paid for my services from my clients. 

Upon sending out my first wepay ACH collection, it was accepted and matched with the invoice I had sent to the company XXXX XXXX XXXX. Now they are holding {$2000.00} for 120 days that I need to use to make payments for my rent and my car lease. I was provided no reason as to why the funds were being held nor was I given any notice that they would be withdrawn from my account. 

The payment in question was processed on XXXX XXXX. I received an email on XXXX XXXX from a " XXXX '' from chase integrated payments informing me that I would have my account closed after " Careful Review '' and that after 120 days I would be able to " request '' my money back. 

I had appealed this decision and was told by XXXX XXXX from Chase Bank XXXX XXXX that this should be able to be easily solved once the appeal goes through. I have looked online and found that many other people have come across the same issue. My problem is that I can not wait 120 days to receive my funds. I will be kicked out of my apartment and lose my car by that time.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union has violated TILA laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute.

I have spoke with Navy Federal Credit Union numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with Navy Federal Credit Union since early XXXX  and haven't got any results.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

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 2023-07-03
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: Exeter Finance, LLC. (CA)

In regards to EXETER FINANCE account XXXX  XXXX This is void contract/void agreement. 
According to your installment contract number XXXX dated XX/XX/2021 states : The minimum public liability insurance limits provided in law must be met by EVERY PERSON who purchases a vehicle. 

In fact I never had auto insurance & never provided Exeter with auto insurance of any kind that has XXXX XXXX  name associated with the policy. 
Your INSURANCE REQUIREMENTS section on the contract states YOU AGREE TO HAVE PHYSICAL DAMAGE INSURANCE COVERING LOSS OR DAMAGE TO THE VEHICLE AS LONG AS THE AMMOUNTS ARE OWED UNDER THIS CONTRACT I never had auto insurance of any kind to qualify for the vehicle or the ammounts owed under the vehicle. The original seller of the car did not check all requirements because one clear requirement is ALL PURCHASERS OF VEHICLES MUST PROVIDE INSURANCE PRIOR TO GETTING POSSESSION TO VEHILE. The insurance section has XXXX XXXX signed as a requirement for the insurance but XXXX XXXX did not provide insurance therefore this contract is incomplete, voided, & false to say the least. Im demanding EXETER finance to remove the account from my name & credit file immediately due to me not legally being under contract with the company.
Consumer complaint received 2023-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (DE)

In XX/XX/2022 I obtained a mortgage with CrossCountry Mortgage. In the first month, they sold the loan to XXXX XXXX XXXX. I made the monthly payments as expected and did a principle payment, bringing principle balance down from {$330000.00} to {$70000.00} as of last month. Last month I was informed by XXXX that the loan was being sold back to CrossCountry Mortgage. I then started receiving letters from CrossCountry Mortgage saying that I had not made any payments, and that I owe them the original {$330000.00} plus penalties. I called them, and was told that they had started the processing on transfer too soon, and that someone would fix the account within 5 days. That was two weeks ago. I called again today and the representative said to contact loan servicing. Borrowers deserve better.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX XXXX XXXX, have 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 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 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX has violated my rights. Under 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 an account without my written instructions. Under15 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 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Back at the beginning of XXXX received an escrow letter letting me know I had a shortage of {$1300.00}. I called Wells fargo advising I would be paying {$1000.00} towards the account but needed to know if paying the amount in XXXX would be an issue. I was told that was acceptable and I asked for a new analysis. I was advised a different department had to do that so I sent an email requesting this. Next thing I know I am getting multiple letters about COVID relief which I did not request. I was unable to make any payments online as they shut my account off. I called multiple times to get this fixed and emailed multiple times to no avail. I called to make the {$1000.00} payment and also verified they had received new insurance documents showing a decrease of {$220.00}. This should have left a balance of {$88.00} which I would have paid in full. I kept receiving COVID information versus my escrow. I then complained on their XXXX and they got a manager involved. At this time period I actually did catch Covid and asked they conduct all manners of business via email as I could barely talk. They wouldn't do this. So today I receive another letter from them still with the wrong billed amount and an email that to fix it I have to call in ... ... ... ... again. This is about my 15th call to Wells Fargo and countless emails. Ridiculous and it's unacceptable
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Today, XX/XX/2020, I met with my Housing advisor to review the content on my credit report. It shows an account that I still owed according to Equifax. I have paid all of my student loans for XXXX XXXX XXXX XXXX. This is affecting my process of home purchasing because it says I am behind. I want this removed, please.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATION/XXXX  Balance details 11 % paid off Balance {$4600.00} Balance updated XXXX XXXX, XXXX Original balance {$5200.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance {$5200.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 180 Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, NE XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-05
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: SANTANDER HOLDINGS USA, INC. (TN)

This issue has impacted me from making significant purchases for my family. Under the Fair Credit Act 15. USC and 1681, there should not be any damage to my report, which is defamation of my character. It has significantly affected reputation and character.
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

This is a complaint against IC System. Addresses : ( 1 ) XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( 2 ) XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. The company is attempting to collect on a bill issued to me by XXXX XXXX dated XX/XX/XXXX for contracted services in amount of {$2700.00}. That bill has been in dispute since XX/XX/XXXX. 
XX/XX/XXXX : I received via USPS residential delivery an account notification from IC System, dated XX/XX/XXXX. 
XX/XX/XXXX : I informed company via Certified Mail that the bill was in dispute, providing detail to back up the dispute, specifically " On XX/XX/XXXX, via USPS certified letter, and again on XX/XX/XXXX, via email, I sent to XXXX XXXX XXXX a request for further information and backup on the invoice in question such that I could evaluate the accuracy, existence and validity of the charges on the invoice. I have yet to receive a response ... '' XX/XX/XXXX : I received a " settlement offer '' from IC System. 
XX/XX/XXXX : I responded via Certified Mail, notifying that the contact is illegal and in violation of my rights under federal, state and local laws, citing XX/XX/XXXX Certified notification of dispute and demanding company reverse any and all actions taken against me in this matter. 
The company has ignored both of these notifications and continues to pursue collection.