davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
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. (OK)

On XX/XX/2019, I submitted a request via USPS mail to Experian for further information about 6 entries on my credit report ( original letter attached ). I made my request under Fair Credit Reporting Act Section 609. Specifically, I requested to see the original sources of information for the 6 entries on my credit report. 

I requested the company name of the source, the contact name, the contact phone number, and the date Experian contacted the source. I also requested to see the original contract or service agreement.
Consumer complaint received 2019-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Shellpoint Mortgage Servicing had placed on my statement date, XX/XX/2019 the 'new ' loan servicer added an unnecessary, unexplained XXXX appraisal cost of {$99.00}. They refuse to remove it and have no legal right to add the additional, unqualified {$99.00} appraisal cost to my loan.
Consumer complaint received 2019-08-29
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. (TX)

XXXX XXXX  XXXX XXXX XXXX XXXX spouse name is wrong XXXX XXXX XXXX XXXX XXXX XXXX another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ftc violatiion data brach cause the inaccurate information on my credit filed FTC violation
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$880.00}, XXXX XXXXXXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (PA)

I obtained my credit file feom all 3 ctedit reporting agencies and found 3 different accounts being listed syncb.

1 was for a paypal mastercard and 2 accounts for a Walmart credit cards. None of which are mine. I wrote a certifed letter aking them for verification or removal. I sent this certified on XX/XX/2019 and the recieved it and it was signed for. I got a response for 1 of these stating i need to close my account and to report it. Its not my account. They even spelled my name wrong. I have never had a paypal credit card through any company nor even 1 walmart credit card. These are not mine.
Consumer complaint received 2019-08-31
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: ALLY FINANCIAL INC. (TX)

My credit and personal information is in " XXXX , XXXX '' posession and is being used to make credit decisions. I have never heard of this organization. XXXX, XXXX and XXXX are the only Legit credit bureaus. Why do this organization have my information?
Consumer complaint received 2024-08-29
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. (IL)

XXXX, iL and XXXX XXXX addresses on my credit report isn't mine. I didn't live there at all. I want them to be deleted. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 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 resulted from an alleged identity theft, 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 identity theft!! Please delete these items IMMEDIATELY! 

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 a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Consumer complaint received 2019-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This company, claiming to be a credit card company, claims I opened an account with them, a credit card, and are claiming I charged over {$600.00}. I didn't know this until I looked at my credit report. 

I have never heard of this company, apart from commercials. I have never opened an account with this organization or any of its affiliates. I only possess debit cards from my bank and do not own any credit cards. I have never opened an account, line of credit, loan, et cetera, without my sealing the contract with my wet signature. I never have and never will " sign up '' for anything electronically or online. 

I have already demanded via email to be shown the contract this entity says I agreed to, opened, initiated. They have yet to show me a contract with my signature thereon to prove this. And again, I have never contracted with this organization in any way. 

This derogatory entry on my credit report has damaged me. I demand it be pulled immediately, as it does not belong to me.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BOA ATM MALFUNCTION at XXXX, Texas. 
DATE : XX/XX/2019 around XXXX XXXX. 
Me and my boyfriend were at the atm to deposit some cash into my account, approximately around {$4000.00}. he put it in and it was processing, it took unsually long and next thing we know the ATM spit the cash out and instead of holding it let go and the cash started blowing away, it was a windy night and we could only catch a couple bills, everything else got blown away by the wind and the atm completed the transaction woithout telling me what was deposited or not and didn't even print the receipt out, i found out the next day that the only amount that was deposited was around {$400.00} something. The bank declined the claim and when i called their agent she told me that it was my fault that their machine blew away my cash and that i would be responsible for losing my money?? please i don't know what to do as there's video footage of exactly what happened and the bank is refusing to look at that and wont even provide me the footage unless i file a court order. I am a college student who can't afford the lawyer fees so i am in a desperate need to get some help regarding my incident.
Consumer complaint received 2019-09-02
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (UT)

Nissan motor-acceptance. 

Their system was down for a full week during this week I traded in my XXXX XXXX XXXX. Because they had a system wide error. You were not able to gain access to your account via phone, website or app. Because the dealership was unable to verify payoff of my trade it delayed the payoff from being processed since then my account has reached 10 days past due, Ive received 4-5 calls per day since I hit 8 days past due. Theyre aware that a payoff is coming, Ive repeatedly requested no contact other than email from them. Today alone Ive received 4 calls after requesting a do not contact, Per CFBP max attempt is 3 times per day per number.
Consumer complaint received 2019-08-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AK)

I've been working with Paypal for close to a decade. On XX/XX/19 They permanently suspended my account for a violation of an undocumented rule in their " Acceptable use policy ''. 

Part of the suspension is a freeze on my cash reserves they hold, this includes USD {$230.00} XXXX {$4000.00} XXXX Their reasoning for holding the cash is that If I have any cases through paypal they can use the held cash to pay for them. ( This is a poor reason because they have admitted that I rarely have cases and I already have two means for them to charge me my credit card and checking account are registered in their system for this purpose ).

They have admitted to storing my money in an interest accruing account during this 180 day process but say they will refuse to pay me any interest on it.

They also have told me when the 180 days are up I will be forced to sell them all my XXXX and XXXX at the value on that day with whatever fees they wish to apply. I can not see how this is legal? I have had that XXXX stored in my account for years. And now that the XXXX has dropped significantly in value i will be forced to sell it at a loss? Does Paypal have the legal ability to work as a brokerage in this way? I want to receive my XXXX and XXXX as they are without being forced to sell them.
Consumer complaint received 2019-08-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Professional Medical Management, Inc. (PA)

XXXX is failing to comply with section 609 a/1 of the FCRA. I am requesting the original consumer signed contract for 4 accounts on my credit report and they are failing to comply. XXXX XXXX XXXX and financial recovers are failing to comply as well. I have tried for over a year to obtain this information and there has been no success in receiving such information.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

Experian Data Breach Settlement -- I was a victim and chose two or three years of free credit monitoring. 
Yesterday I found out that Experian has been charging my credit card every month for many months. 
I called Experian and they stopped the unauthorized credit charge and would only credit me for the current payment. 
I called my XXXX XXXX and they could only go back three months. 
I want reimbursement for all the months of unauthorized charges against my XXXX XXXX. 
Here are the dates and charges : {$23.00} on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and {$21.00} on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. On XX/XX/XXXX {$1.00}. 
subtotal for XXXX : {$180.00} plus subtotal for XXXX : {$66.00} ; grand total owed to me is {$250.00}.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2016, a person who was not myself, created an account with Bank of America using my SSN. I provided my original Social Security Card, Driver License, other credit and debit cards as well to establish my identity unequivocally and without question. 

The bank will not provide me with any information. 

Their case # XXXX
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Please advise as to how I can escalate my complaint against Wells Fargo Home Mortgage. I had been current for 36 months in a row when I was laid off of my job. I contacted Wells Fargo immediately and was told about a deferred payment plan. I agreed to enroll in the plan in XXXX and was told not to make any payments until the enrollment process completed. In XXXX, I was sent the paperwork for the program and noticed that all deferred payment would become due immediately at the conclusion of the program. This was not told to me initially back in XXXX. However, at this point, I was now over 2 months behind on my mortgage. I was advised by Wells Fargo Home Mortgage not to worry, enroll in the program, and when it concluded we would apply for a loan modification to address the deferred amount. I did as advised but then, due to the glitch in Wells Fargo 's software, was told that I didnt have sufficient income to qualify. I knew that had to be incorrect and appealed time after time, only to receive the same answer. Finally, my house went into foreclosure. Because of this glitch in their software, I have lost my home along with many other homeowners. I have filed complaints and written many letters but no one has helped. I filed a complaint with you and Wells Fargo supposedly did an investigation. Their response was that they can not do anything to correct the situation because my house was sold in a foreclosure sale. That is exactly my complaint. Wells Fargo unlawfully sold my home and now says nothing can be done because they sold my home. How do I escalate my complaint to a Federal agency that can actually do something in regards to my situation?
Consumer complaint received 2019-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (IN)

I received poor information that was not in my best interest that was used to manipulate me into a worse financial situation.  Illegal practices that were not in my best interest Follow the paper trail on Great Lakes End.  They advised be into forbearance instead of an income based loan where the government was picking up the interest.  They gave bad information and with held information that ultimately led to a higher principal which caused the interest portion to go up to the point that the government help was no longer covering the majority of it thus increasing my principal even more as I was told it would accrue on the side and not be tacked on.My documentation is that no common person would choose to add money onto their principal that leads to a higher interest payment when they have the option of an income based repayment where their income is showing XXXX.   I went from XXXX to almost XXXX in debt because of this manipulation.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I made a large XXXX deposit to my business checking acct. 
It was drawn on an out of state checking acct which had local branches. In the past my bank manager told me to deposit such a check in their ATM so it would clear overnight to which I did. I immediately got a 10 day hold placed on it. 
The person who wrote the check immediately checked his bank 24 hrs later and spoke with his bank and they confirmed the check cleared and Bank of America was in possession of the funds. 
I went into my branch to explain the situation and they were not helpful and tried to tell me they had to hold he money in case it was returned in which that's ridiculous or the money wouldn't have been paid out in the first place. They also told me their policy on check deposits changes aprox 10 days ago and that's why they can do what they did. I asked XXXX the XXXX, Me branch manager as to why their business customers were not notified as to a change in deposit rules and she told me " They don't have too '' which I believe is a violation in banking rules. 
The deposit was made on XX/XX/XXXX and cleared into BOA on XX/XX/XXXX. After my discussions with them they agreed to let me have my deposit on XX/XX/XXXX. 
This has happened before and it isn't right, when I can show the check has cleared they should release it immediately with out a fight over it. Instead they are purposely holding it for interest bearing reasons
Consumer complaint received 2019-08-21
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)

I am looking at my XXXX XXXX to make sure everything accurate Transunion is reporting on XX/XX/2019 I made a hard inquiry with XXXX. I did not make this Inquiry and I believe it to be fraud. This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as Transunion. If there is any proof or video of me walking into this bank and requesting any credit card or signing something I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I currently already have a XXXX credit card and am very happy with that. Just want to fix this inaccurate information. Thank you
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX, XXXX XXXX, XXXX & XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2019-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (MA)

To whom it may concern : Please remove this file from my credit report as it was a paid account and no notice was served to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.