davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

COMPANY EXPERIAN IS COMMITTING FRAUD AND ALSO COMMITTING STALLING TACTICS TO NOT DO THEIR JOB AND REMOVE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. CONSUMER HAS SENT IN PROOF OF IDENTIFICATION AND OTHER DOCUMENTS SUCH AS UNITED STATES PASSPORT, AND EXPERIAN WILL NOT REMOVE FRAUDULENT ACCOUNTS. CONSUMER DOES NOT NEED TO CONTINUOUSLY SEND IN PROOF OF IDENTIFICATION, WHICH IS A RESULT OF VIOLATING THE LAW AND EXPERIAN HAS THE INFORMATION ALREADY 15 USC 1681 AND 18 USC 1028 AGGRAVATED IDENTITY THEFT. ACCOUNTS ON CREDIT REPORT THAT ARE FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER 'S INFORMATION HAS BEEN IN ALL 3 BUREAUS DATA BREACHES AND SOCIAL SECURITY ADMINISTRATION BREACH. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS .ACCOUNTS ARE NOT CONSUMERS AND ARE SOMEONE ELSES ACCOUNTS THAT ARE CONSUMERS REPORT. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. DO NOT VERIFY THIS INFORMATION WITH E-OSCAR SYSTEM, VERIFY INFORMATION WITH A HUMAN. I WANT THE INDIVIDUALS NAME WHO WILL BE DOING THE VERIFYING. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), which in turn is a stockholder of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that owns the shares of. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO ARE STILL REFUSING TO USE MY XXXX MAILING ADDRESS AS INDICATING ON MY ACCOUNT PREFERENCES , WELLS FARGO ARE INSISTING ON USING MY HOME ADDRESS FOR SENDING MAILS REGARDING MY ACCOUNT. EVEN AFTER MORE THAN 2 YEARS OF COMPLAINTS ABOUT THE SAME ISSUE 
TODAY XXXX AGAIN I RECEIVED A LETTER FROM WELLS FARGO REGARDING MY ACCOUNT TO MY HOME ADDRESS. 
 I FAILED TO  PENETRATE MY ISSUE IN THE BRAINS OF WELLS FARGO EMPLOYEES WHO ARE WORKING FROM THE COMFORT OF THEIR HOME WITHOUT ANY SUPERVISION OR MANAGEMENT THAT I DO NOT WANT ANY MAIL TO MY HOME ADDRESS ALL MAILS SHOULD BE DIRECTED TO MY XXXX XXXX MAILING ADDRESS.
FOR MORE THAN 2 YEARS OF C0MPLAINTS TRYING TO MAKE WELLS FARGO RESPECT MY PRIVACY RIGHTS  BY DIRECTING ALL  WELLS FARGO MAIL ADDRESSED TO ME TO MY MAILING ADDRESS WHICH I PROVIDED ON MY ACCOUNT PREFERENCE BUT TILL TODAY XXXX  WELLS FARGO  FAILED TO  RESPOND TO MY ISSUE PROPERLY , FAILED TO INVESTIGATE MY ISSUE AND FAILED TO OBEY THE LAWS AND REGULATION AND MY PRIVACY RIGHTS.
IF I WAS DEALING WITH MONKEYS IN THIS LAST 2 YEARS BY NOW THE MONKEYS WOULD 'VE KNOW WHAT TO DO, OPPOSITE THAN WELLS FARGO EMPLOYEES. 
I HAVE TO KEEP COMPLAINING EVERYWHERE HOPING  AT THE END WELLS FARGO WOULD ACCEPT TO UISE MY XXXX MAILING ADDRESS FOR ALL THE MAIL AND TO RESPECT MY PRIVACY RIGHTS AND DIRECT THEIR MAIL TO MY MAILING ADDRESS AS INDICATED ON MY ACCOUNT.
THE WELLS FARGO EMPLOYEES WHO ANSWERS HERE SEEMS TO BE UNPROFESSIONALS AND  NOT INTERESTED IN SOLVING MY ISSUE , FOR THAT I HAVE TO KEEP COMPLAINING HERE AND EVERYWHERE TILL WELLS FARGO FOLLOW THE RULES AND REGULATION AND MY ACCOUNT PREFERENCE.
ALL THE ANSWERS FROM WELLS FARGO ARE MISLEADING, THE ANSWERS   ARE SORRY WE CANNOT MAIL TO YOUR XXXX MAILING ADDRESS BECAUSE OF COVID-19 OR BECAUSE OF USA PATRIOT ACT OR BECAUSE OF THE WEATHER OR THEY MISLEAD AND SAY IT HAPPENED ONE TIME ONLY OR ..... 
NOT ONE TIME WELLS FARGO TRIED TO FIND A SOLUTION.
 READ AT XXXX HOW MANY THOUSAND OF CUSTOMERS ARE COMPLAINING ABOUT SIMILAR ISSUE.
I ATTACHED XXXX OF LETTERS THAT WELLS FARGO SENT TO MY HOME ADDRESS FROM THE TIME I COMPLAINT HERE TILL NOW.
Consumer complaint received 2024-08-05
Product: Credit reporting 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. This collection agency is not licensed and bonded to collect from me in the state of XXXX  Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (CA)

Hi I would like to report a dispute that I have disputed with Affirm for the following amounts : XXXX XXXX XXXX XXXX XXXX I had more charges, but those have been resolved or removed from my credit report. I provided police report from the XXXX Ca police department, disputes for fraud, disputes in experian for not my charges and I continue to see them on my credit. 
When I called affirm they would not provide me with any information because my phone number and address did not match what they had on file. Of course not ..... 
because that is not my information. 
My address is and has been XXXX XXXX XXXX, XXXX, CA XXXX and my phone number is XXXX. I have had both of these for at least 14 years. 
My name is XXXX XXXX XXXX, my social ends with XXXX. 
I have good credit history, good healthy payment history, however these late accounts are impacting my credit score very negatively. 
I would like to file a claim against both Affirm and XXXX as they have not provided me with proof of service or proof of purchase, yet they continue to say this is my bill because I have never ever received any proof of it being mine. 
It is not my purchase or my bill.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681 c-2 ) that you the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX Bank of America closed accounts without notifying me to withdraw funds. The only explanation given was " The company decided not to continue business with you ''. I have no understanding of this and my livelihood is at stake. I have no access to my accounts that I've had for over 5yrs. Being told I have no access to my accounts and they will not be fully closed until XX/XX/XXXX then a cashiers check will be mailed out is absurd. A representative did state she would submit a request to see if I can go into a branch to withdraw funds which takes 5 business days. Even that's no guarantee
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which is only 2 are required per the law. I have provided all documentation as well as victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have been going back and forth with Capitol Auto Financing to resolve this matter but they have refused to budge ; it will be four ( 4 ) coming up on XX/XX/XXXX and this matter is still lingering. It has truly affected my credit score and has jeopardized my chances with a lot of lenders because it sends a message that I am a credit risk and a person who does not pay their bills, which is far from the truth. I am in the process of applying for a home loan and I need this information removed from my account immediately. 

My daughter got into a car accident on Wednesday, XX/XX/XXXX, when a driver ran the light, crashed into her vehicle, and caused the vehicle to be damaged beyond repair. Upon XXXX XXXX XXXX inspection of her vehicle they declared her vehicle to be a total loss and made the arrangements to pay off the remainder of the car loan with Capitol One Bank. After Capitol One Bank was paid by XXXX XXXX they demanded an additional {$2100.00} but XXXX XXXX refused to pay it. We told Capitol One Auto Financing to utilize her GAP insurance to pay the additional amount owed but they refused to seek the money from her GAP insurance. Instead they have been asking us for the money. As of today this debt of {$2100.00} is sitting on my credit report as a DEROGATORY Account though they sold this account to another company and have declared it as a CHARGE OFF. I have been trying to resolve this matter with Capitol One Auto Financing and they have REFUSED to do so. 

Attached is a letter that will give some clarification as well.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CA)

I noticed my debt was increasing while I was not using the card as it was in my safe for months. I logged into the app which had been newly launched and noticed they had been charging me outrageous fee, " credit protection, Monthly fee and annual fee. '' I accept the annual fee as it was stated before I applied for the card, but the other 2 fees which are being charged every 3 weeks are unacceptable. I called the company and tried to ask questions they would either say " these are valid charges, '' or they would hang up on me. So I called once again and told them I would have an attorney look at mt contract and statements and I would like to close my accounts. Now I have been completely locked out of my accounts, I have no access to them through my phone or computer. I called once again and let them know " how am I supposed to pay the remainder of my bill if you locked me out? '' they told me " since you have an attorney, we have locked you out. ''
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Heres a revised version of the letter addressed to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Dispute of Unauthorized Transactions Reference # XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Huntington Banks refusal to dispute several unauthorized transactions on my account. Despite multiple attempts to resolve this matter directly with the bank, they have informed me that they can not process disputes within the standard 60-day period, citing liability concerns. This seems to contradict the regulations under the Electronic Funds Transfer Act ( EFTA ), which provides for a 60-day window for disputing unauthorized transactions. 

The transactions I am disputing are as follows : XX/XX/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 I contacted Huntington Bank to dispute these transactions, and their representative informed me that they could not assist me due to liability concerns. However, I believe this is inconsistent with federal regulations and am seeking your assistance in resolving the issue. 

I kindly request that the CFPB review this matter and provide guidance on how I can proceed. Please advise if further documentation is needed to support my claim. 

Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX Reference Number : # XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I got a {$1000.00} American Express gift card on Monday, XX/XX/XXXX. I went online to activate and register it and then proceeded to try to use it. To date I have only been able to use it once at a physical restaurant. It has otherwise been declined 11 times at both online and physical store locations ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. ). Additionally, every time it declines a transaction, it deducts {$.00} from my balance. I have called Amex several times over the last few days and they have repeatedly told me that it is the retailer 's fault - that there is nothing wrong with my card. However, every retailer is declining the charge and telling me that Amex is not allowing it to go through. I currently have {$910.00} left on the card and I would like to be able to access that money. Based on other CFPB complaints, it seems I am not the only person to experience this issue.
Consumer complaint received 2024-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (NY)

My wife was diagnosed with XXXX, she was not able to work. She has been going through a lot and so have I. I was unable to make any mortgage payments as I was also taking care of my wife at the hospital. Then covid came I paid an attorney to try to do loan modification with PHH they kept saying the documents were not received. I kept sending the same documents over and over and Phh claimed it was not received. The attorney were frustrated during the process. When we kept going back to PHH they did not want to help us at all. We have tried to do a short sale when they just didn't help us with any loan modification and have been told no. I dont think is fair they only want to do a short sale if you pay the late payments and bring the loan current. If I had the money to do this I wouldn't be in this situation. They do not want to do any sort of loan assistance at all. We have placed the home on the market as I do not have the means to make up the amount owed. It is very unfair it is very hard for my family with my wifes XXXX condition she has tried and was sick in the hospital with covid. For years we have been praying for a miracle and asking this lender to work with us and they want to see us get foreclosed.