davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I sent A letter to this company ARS account resolution collection advising them The account they are claiming A XXXX balance on does not belong to me & was A result of FRAUD! Tjis account is showing under my maiden name XXXX XXXX and I have not had that last name since XXXX. I was A victim of identity theft and requested debt verification because this is A fraudulent account. I AM NOT REQUESTING A BILL but legal verification that this debt belongs to me XXXX XXXX & I am requesting ALL credit reporting be deleted since this company has failed to provide adequate proof this debt belongs to me. I would like to pursue litigation! This company has refused to remove this account from all consumer reporting agencies which was A RESULT OF ID THEFT after they where properly notified! I would like it noted that I would like all communications written as I will keep copies for litigation.
Consumer complaint received 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

The claimant lost the total amount of {$49000.00} ( $ XXXX XXXX ) paid as downpayment and closing cost on XXXX # XXXX, unduly foreclosed by Wells Fargo XXXX XX/XX/XXXX. The Wells Fargo failed to provide payments coupons and total outstanding mortgage balance to the claimant. The claimant was Joint Borrower ( JB ) of the loan with his former wife as per attached exhibit # 1 page XXXX, remaining pages are available upon request, contents of which is self-explanatory On XXXX XXXX XXXX day of DEATH of former wife at overseas XXXX XXXX XXXX the claimant notified by phone to Wells Fargo Home Mortgage Loan department and requested to provide payment coupons and outstanding balance of mortgage loan to the claimant. At time of death the mortgage payment was satisfied until XX/XX/XXXX, No late payment was due. The original telephone request followed by written request as per attached copy of fax marked as exhibit # XXXX. No response received. After receiving copy of Death Certificate from Public Notary Office of Birth and Death Registration from XXXX a copy was forwarded for their record. Later served XXXX papers to proceed with PROBATE case.as per exhibit # 3 pg 1/2. No response is received. They followed the Foreclosure procedure as per exhibit # 4. This is clear evidence of their malicious and intentional behavior to harm the customers in violations of unethical business practice to increase their profits and deprive/refund the claimants rightfully amount paid. After reading on news media, the claimant on XX/XX/XXXX, contacted by phone to Wells Fargo to verify if the claimant was included on the list of receive settlement reach with you. Their customer service representative could not confirm and stated that not all foreclosed borrows are included in the settlement. Beside above mentioned, the claimant suffers losses of {$94000.00} in martial settlement due to her XXXX XXXX. All this money could have been recouped with the value of the property, only if Wells Fargo provided payment coupons and outstanding balance to the claimant in due time as requested. Their malicious intent drawn the claimant into poverty level. It is patent and behavior of Wells Fargo, NOT TO ATTEND the customer request WHEREFORE, this complaint is filled with you as Entity of consumer advocate demanding the claimants should be refunded the total lost money.
Consumer complaint received 2023-02-25
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. (OH)

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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  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 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 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingUSA (NY)

LENDING USA accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.
Consumer complaint received 2023-02-25
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. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2023-07-17
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. (MD)

I am demanding an internal investigation of the following credit reporting companies : XXXX, XXXX XXXX and Experian. I have found that these companies aren't governing themselves according to the Fair Credit Report Act. I've disputed on numerous occasions the inaccurate reporting of my consumer reports regarding the late payment history. According to the FCRA Section 603, 15 U.S. Code 1681A titled definition : Rule of Construction ; defines paragraph 2 exclusions - except as provided in paragraph ( 3 ), term " consumer report '' does not include '' ; ( A ) subject to section 1681s-3, of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Therefore, the following accounts which are within my credit report ; the payment history must be REMOVED ; based on these EXCLUSIONS of the rules. These accounts are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX Experian XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian As stated , these companies are not abiding to the " Rule of Construction/Exclusions per the FCRA.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone stole XXXX dollars out of my Bank of America account over the span of XXXX days. I opened a claim and it has been denied multiple times despite Bank of America having video footage of someone else taking money out of my account. I sent them a police report and photo evidence of me being out of town during the theft. They continue to deny my claim. Ive opened the claim about 6 times so far to no avail. They even told me my account would be credited until they came to a conclusion, and have yet to do that. Any help would be greatly appreciated. Thank you.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I have tried to lift my credit with Experian for the last 5months. I have not been able to do crucial things in life due to the freeze. Ive called numerous times! Ive sent letters! The functions for finding password dont work for the site so it never sends verification to email shown on file. This is soooo insane!
Consumer complaint received 2023-02-25
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. (FL)

Disputed item on my credit report with the credit agencies and creditor. Received a message that account was Now resolved by data furnisher. This account is not mine and has resulted in financial damage preventing me from renting, applying for a mortgage, and results to high interest rates when applying for credit. 

pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I requested that creditor re-verify this account and that the inaccurate items be deleted from my record. Creditor and credit agencies must not list incorrect data as an accurate credit report is my right.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (WI)

I have exhausted all options with Direct Express for resolution. 
The United States Treasury has deposited my funds to a " Direct Express '' card and I have not been able to access those funds since XXXX of 2021. Today 's date is XX/XX/2021. 

I contacted Direct Express at XXXX regarding this issue, including, but not limited to, the following dates, backed by evidence from the complainant 's XXXX phone account billing statements : XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm ( duration approximately 80 minutes ) XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm ( duration approximately 37 minutes ) XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm ( duration approximately 14 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 23 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 29 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 21 minutes ) XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am ( duration approximately 12 minutes ) Over the course of the above stated dates, Direct Express sent me a replacement card to access my funds. When recieved, and attempted to activate, the system refused. A prerecorded message said what I entered does " Not match the information on file. '' A live representative assisted me with activation. That was not successful either, so another replacement card was issued. 

When second replacement card issued, I again attempted to activate to no avail. A live representative, again, tried to assist and was unsuccessful. I was transferred to the supervisor. Again, no success in activation. I was then transferred to the supervisor 's supervisor who couldn't activate the card either. 

They sent out a third card. Activation was unsuccessful. 

Please note, at one point the Direct Express XXXX tried to personally activate my card on a conference call with the automated system. I provided my XXXX digit account number to her. She entered all my information and all i did was enter a pin number. Still, no success. " I have never had this happen before, '' she said. 

I have called phone number XXXX, the Direct Express XXXX line multiple times as well. They took my information and someone called me back. Most recently, they sent me a fourth replacement card via United Parcel Service, and charged me according to their policy. 

Activation of the fourth card was unsuccessful. 

After failure to provide access to my funds for nearly two months, Direct Express must be held accountable. I have exhausted all options with Direct Express for resolution. I just want my money. Therefore, this United States Combat Veteran submits the aforementioned complaint.
Consumer complaint received 2023-02-26
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  TX XXXX XXXX Reference number XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX, XXXX account number XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  XXXX  account # XXXX, XXXX  XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a 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.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NJ)

on XX/XX/XXXX, I have refinanced my mortgage with Loandepot. I have made all my payments using online payments option. my account is current and i have my statments. on XX/XX/XXXX loandepot decided to move my loan to the new jersey office and assigned a new account number. it also reversed all my payments which showed my account as being late for 2 months which is untrue. I have gotten letters dated XX/XX/XXXX, XX/XX/XXXX threatening foreclosure This is FRAUD. I have PAID, I have loandepot own statments that shows my account is current. I have my bank statements that shows the amounts being taken out. i have called many times but of course nothing is getting done, no one can give me a reason as to why this happened. now i have to deal with this and the fact that this FRAUD will be reported on my credit. There need to be accountability. A mortgage company can not be allowed to foreclose on your house eventhough you have made all your payments. please note that the threat letter has the new account number which was started as of XXXX while the two payments in questions were under the old account number which i have supplied statements for.
Consumer complaint received 2023-02-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX  : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX : # XXXX, Account XXXX  Account : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX 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 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 2023-02-26
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  TX XXXX XXXX Reference number XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX, XXXX account number XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a 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.
Consumer complaint received 2023-02-26
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: Sequium Asset Solutions, LLC (OH)

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. 

Sequim Asset Solutions, XXXX 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 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 2023-02-26
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. (UT)

XXXX. The addresses on my credit that was run on XX/XX/23 continue to be wrong! XXXX is not and has not been my address in more than a decade! It's invalid! XXXX is missing my XXXX XXXX for which I provided a number of times yet they continue to leave it off of my address on my credit! 

XXXX. XXXXXXXX XXXX XXXX is paid off but they show 2 different dates as the paid dates. Only the XXXX is correct, the other is not! 

XXXX. XXXXXXXX XXXX XXXX has an additional status comment added to the pay off comments that the account was once delinquent. Well that IS NOT NEW AND WAS REPORTED YEARS AGO AND APPEARS IN THE PAYMENT HISTORY. IT'S NOT NECESSARY TO MAKE IT APPEAR TO BE CURRENT INFO WHEN IT'S NOT!
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/XXXX I made a final payment on my XXXX  Mastercard. In XXXX I received a refund check in the same amount as my final payment. Payment was misposted and refunded to me with no further explanation. In XXXX of XXXX XXXX XXXX notified me of a delinquent account with XXXX  Mastercard ( commenity ). I logged into my account ( they do not send statements by mail or email ), and saw that interest and late fees started accruing without my knowledge since XX/XX/XXXX. Upon calling commenity they notified me it was my responsibility to keep an eye on my account and was responsible for nearly {$300.00} in late fees plus the original balance I paid off. I filed a dispute and during this time my credit score dropped XXXX points and additional fees and interest accrued, even though the collections agent advised me that wouldnt happen while under investigation. 60 days later I received a letter advising me the dispute was denied since I did not notify them within 60 days of the initial error ( apparently as stated in the terms and conditions ). I have since written a letter to the CEO to reconsider the decision and my credit score is now down XXXX points and the account has accrued additional fees.