davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (CA)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX # off account XXXX amount {$6700.00} date opened XX/XX/XXXX Account : XXXX XXXX XXXX # of account XXXX amount {$5200.00} date opened XX/XX/XXXX Account : XXXXXXXX XXXX # of account XXXX date opened XX/XX/XXXX XXXX U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 it states a customer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency may make any report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has responsible cause to believe that this information is inaccurate.
Consumer complaint received 2023-02-05
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. (MI)

In accordance with the XXXX Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-05
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. (MN)

I am a natural person, I have rights under 15 USC 1681.

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

XXXX  is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed from my credit report post haste : Account:XXXX  Account:XXXX  Account:XXXX**** Account:XXXX  Account:XXXX  Account:XXXX  Account:XXXX  Account:XXXX  Account : According to 15 USC 1681, I have the right to privacy and I did not in any way give XXXX my written permission or consent to furnish these accounts.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (IN)

My name is XXXX 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.
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have 2 open complaints with Bank of America. They are refusing to do anything. I had serious fraud which was reported on XX/XX/2022 when they were just authorizations. Fraud reports were taken. Somehow, the very malicious fraud dept maliciously engaged in XXXX XXXX XXXX XXXX insist that a close to XXXX XXXX XXXX woman who is in a XXXX XXXX XXXX XXXX XXXX go into one of their very crowded and grossly understaffed banking centers. Initially XXXX XXXX called but then totally refused to return any of my several phone calls to him. I managed to get a call center with compassion and the fraud balances were reversed. Then, last night, I saw a {$2000.00} balance - fraud dispute on one of my credit cards ( it was XXXX XXXX and I had called to close it. That kind compassionate person was able to release the numerous holds. When I called today, I ended up with a very mean and malicious person named XXXX at the XXXX XXXX XXXX who again insisted I risk my life or health by going into a branch. I told her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be very vicious and vindictive, she removed my online banking access. This is beyond despicable. I have one Bank of America Credit card that I used and the balance today is {$140.00}. I have no clue how I can pay this card without online banking. No one will speak to me with the block she maliciously just placed. And ... she said I could make an appointment at the branch but since the understaffed branches do not answer their phones, I couldn't even make an appointment. At the very least, have them kindly give me access to online banking.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, 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. 
secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Inaccurate information on my credit report on accounts i have, some in good standings and others wrong amount reported. 
XXXX, XXXX XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here.
Consumer complaint received 2023-02-05
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. (TX)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2023-02-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX 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 2023-02-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my case # : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Consumer complaint received 2018-08-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (WA)

I was given a pre-approval letter stating exact dollar amount and that this had underwriting approval. several days before close I was told I do not qualify. then after my rate lock expired I was told they could fix it and they would close on the loan, however at a much higher rate and less amount financed. the mortgage originator than told me that I could close at the higher rate and lower amount financed and make payments to the previous owner on the side with out the mortgage company knowing about it.
Consumer complaint received 2023-02-05
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: Experian Information Solutions Inc. (MO)

My XXXX  XXXX/ XXXX XXXX credit card is being reported as being over the limit. See attached my balance is only {$160.00}. Whats XXXXhe point of paying our bills on time if these companies arent going to report correctly.
Consumer complaint received 2018-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo was intentionally and unintentionally negligent by releasing the {$12000.00} that I deposited to a fraudulent account at their institution after they had been notified that this was a fraudulent account and a scam. There was a police investigation by the financial crime unit of the XXXX County Sheriffs Office ( Case # XXXX ) and there were several complaints entered against them to prevent release of these funds while there was a criminal investigation. At the time, complaints were filed with the Florida Attorney General 's office, the Florida Office of Financial Regulation, the Federal Trade Commission and the Consumer Financial Protection Bureau. As per information released by subpoena and included in the police report, Wells Fargo allowed the account to be closed on XX/XX/2018 with the withdrawal amount of {$11000.00}. Wells Fargo confirmed that the money was sent to the name and address listed on the fraudulent account. 
The police report and previous Wells Fargo correspondence is available upon request. The OCSO also has evidence on a CD of investigative subpoena items.
Consumer complaint received 2018-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (CA)

THIS IS NOT A DUPLICATE COMPLAINT. I filed a previous complaint requesting the history of interest rates on my adjustable rate mortgage and a copy of the Note. The Company " Selene Finance '' then provided interest rate history information to you, but had never provided it to me after several attempts to obtain that information via phone request and faxed and mailed letters. Nor have they provided a copy of my Note. Well luckily, I now have the Note and HUD rider for my mortgage, I found my original copy in my records. 

So here 's the problem. According to XXXX at the CFPB the Company " Selene Finance " provided the following information about interest rate history. 
XXXX XXXX interest rate is 3.5 % XXXX XXXX interst rate is 2.5 % XXXX XXXX interest rate 3.625 % My NOTE ( see attached documentation ) says that the interest rate can NEVER increase or decrease more than 1 ( ONE ) percentage point per change period. Which was actually in XX/XX/XXXX, not XX/XX/XXXX. 

So for example XX/XX/XXXX is 2.5 % and XX/XX/XXXX is 3.625 % 3.625 % - 2.5 % =1.125 % So the current interest rate is 1.125 % higher than allowed per my NOTE.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: QuickClick Loans of Illinois, LLC (GA)

I contracted XXXX, XXXX, and XXXX on XX/XX/2018 and XX/XX/2018 requesting personal information be updated and provide documents in support of my request. 
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND XXXX XXXX  AND XXXX. I HAVE REACHED OUT TO XXXX, XXXX  AND XXXX  TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH XXXX  DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS. MY DISIRE IS TO HAVE THE OUTDATED AND FALSE INFORMATION DELETED FROM MY REPORT. 

I file a dispute with XXXX and XXXX if reference to XXXX XXXX XXXX about a {$3300.00} on my account. I also sent XXXX XXXX XXXX a register letter disputing this posting and asking for verification of debt. Enclose is the information that they forward to me from another company. They provided no documents showing I have any debt with then, also XXXX XXXX XXXX failed to notify the XXXX or XXXX of the dispute. XXXX is reporting inaccurate information in reference to XXXX XXXX, they are reporting the date of the last activity instead of the date of first delinquency. Im requesting these items be deleted from my report.
Consumer complaint received 2018-08-23
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Penn Credit Corporation (PA)

There are incorrect addresses, phone numbers and name. 
The debt against me from XXXX XXXX XXXX should not be in my name, that debt should be taken against a former boyfriend/my childs father/ roomate, XXXX XXXX XXXX
Consumer complaint received 2018-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FM)

Subject : Wells Fargo lawsuit just issued. 

Hi, I am a single XXXX year old lady. I am not sure of the date but I had a credit score of XXXX in XXXX - XXXX and I was renting my home out to keep it. I fell one month late and Wells Fargo started foreclosure. I begged for help. They were mean and not helpful and moved quickly to foreclose. At one point I finally reached out to family who gave me the {$4000.00} to stop the foreclosure. Wells Fargo said it was too late. The loan was perhaps {$160000.00} or XXXX. I had {$40000.00} in equity and was doing all I could do to hang on to my home. I had never been late with any kind of payment before in my entire life. I ended up homeless and because of having no where to live had to file bankruptcy which was quite traumatic to say the least. 

My children purchased a condo 6 years later in XXXX for me to live in. Three months after I moved in XXXX, the money their father left them in XXXX XXXX went up in smoke and the condo was worth half what they paid. They had no money to pay for it. I am doing every thing I can to stay on top. My credit score is up around XXXX. I just applied for a job as a XXXX in the XXXX. 


Is there anyway I can be included in this suit? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-24
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: Convergent Resources, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX & XXXX I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.
Consumer complaint received 2018-08-23
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)

On XX/XX/2018, All Three Credit bureaus : XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, and Experian were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX District of Georgia in credit files maintained under my Social Security number. 

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/2018. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX District of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX District of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX District of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to XXXX, XXXX, or any means of automated verification. 

I also received proof from the United States Bankruptcy Court XXXX District of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and Experian all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported on my credit report.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc. (AL)

XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER U which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER U was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Commercial Services, Inc (OH)

The attached documents proves that XXXX XXXX, XXXX XXXX and XXXX XXXX are guilty of violating the FAIR DEBT COLLECTION PRACTICE ACT and breach of contract. This case is still unresolved to date ( XX/XX/XXXX ) for they refuse to submit the required document stating the payment has been satisfied and releasing driver 's licenses from suspension and accident block. 

The letter from National Commercial Services ( NCS ) clearly shows the amount for which suspension was based and date of requested suspension. The payout summary and repairs supports the claim ; and the receipt shows that amount paid in full prior to the date of suspension. 

On the XX/XX/XXXX XXXX wrote to me " Thank you for your payment. We will credit the account accordingly. The department of Motor Vehicles will be notified of complete payment once posted in the morning. You will receive notification accordingly in regards to the completed release. Thank you, XXXX XXXX '' That agreement was breached by her failure to credit my account and notify the DMV as promised resulting in driver 's licenses suspension. To date she has not done so. 

I hired Attorney XXXX XXXX who contacted XXXX and paid what was demanded as outstanding ( {$130.00} ). Those monies were paid on the XX/XX/XXXX with the promise from XXXX " The DMV would have your release within 5-7 days. She ( XXXX ) emailed me ( Attorney  XXXX  ) the receipt for the payment already. '' Again, to date the DMV has received no such document of release. Again, XXXX has lied and has breached another agreement. 

We have suffered immeasurable amounts of stress and our ability to conduct and improve our livelihoods have been stifled as a result of these breaches.