davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (CA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Open Dealer Exchange, LLC (AZ)

To whom it may concern, I did not authorize a credit check. The credit check came back as an XXXX inquiry, which is the same exact inquiry that XXXX XXXX XXXX pulled. The only difference is that XXXX was authorized to run my credit. The pretext of checking XXXX was used to run a credit check that I did not authorize, and I explicitly communicated this. This makes no sense, as this is not my first time buying a car, and I have never been asked to run a second credit check once I bring a loan approval from my bank. If an XXXX check is needed, then a legal document needs to be produced separately with guidelines and clarity on why the dealership needs to check my credit. There was no disclosure or legal document stating the reason for needing to run my credit. 

I believe you are in violation of the Fair Credit Reporting Act ( FCRA ) for failing to properly disclose the reason for running my credit or providing a legal document that clearly states the reasons for running my credit for XXXX purposes. Additionally, the practice of crossing out the term credit application from a document and telling me youre not running my credit when you are indeed doing so is deceitful. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 USC 1681 section 602a States I have rights to privacy. 

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I am lodging this complaint on my own behalf. Upon reviewing my credit record, I found late payments listed. Despite sending letters over 30 days ago, I haven't received a response, and they've failed to provide satisfactory validation. I kindly seek your assistance in resolving this issue.
Consumer complaint received 2024-06-06
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. (OH)

XXXX  XXXX refused to send me a letter to inform the credit bureaus that they are reporting inaccurate information on my credit report file, I contacted XXXX XXXX on XXXX XXXX 2024 about a automobile loan I have paid off, that wasnt reported as charge off as the credit bureau is reporting that the account is listed in charge off with a balance the account XXXX  XXXX I informed XXXX XXXX the credit bureau are reporting this account as listed as charge off with a balance, I spoke to XXXX XXXX employees XXXX and XXXX they both informed me that this account wasnt reported as charge off with a balance but they refused to send out me a letter to send to the credit bureau so that this error can be corrected
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

This is regarding several issues with the mortgage account with Wells Fargo, whom I have had the worst experience of dealing with for any type of resolution. There are many areas, but the most egregious action that Wells Fargo has been co-mingling funds from my mortgage account to pay the balance for an escrow amount ( My mortgage account is escrow impounded ) and reporting that I 'm underpaying my mortgage payment amount, and reporting to credit bureaus that I 'm late on my payments. This has ruined my credit report with negative items of late payment when the payments from my checking account cleared well ahead of delinquent date. This would have to considered a financial fraud to co-mingle funds when my payment is strictly principal & interest. This bank has been playing " Judge & Jury '' in regards to this escrow amount when they decided that there was a lapse in coverage and no 3rd party independent of both sides could say, " Yes, the lapse in coverage is legitimate. '' Regardless, of whether it is legitimate, the co-mingling of funds, reporting late to bureaus, tacking on late fees, and manipulation of payments showing inaccurate principal balance is beyond one 's imagination..
Consumer complaint received 2024-06-07
Product: Credit reporting 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)

XXXX Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (CA)

In accordance with the fair credit reporting act, these accounts violated my rights as a tax payer. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions.

15 USC 1666B states that a creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for purpose.

Companies were contacted and refused to fix discrepancies due to dates being pass 2-years.
Consumer complaint received 2024-06-06
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. (TN)

I appreciate your time to REMOVED some of the items in my file that resulted from an incorrect credit report details but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit information, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
Experian : XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00} -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00} XXXX XX/XX/year> -- -- -- -- -XXXX  : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an erroneous credit information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (SC)

CHIME bank has denied claims that have been unauthorized. I have been asking over and over and over several times for them to provide to me all of the information that they have to deny my claim meaning I want the proof Ive asked several times and they will not send me a thing that only tells me that they dont have proof there has been multiple times that I have also sent in, the proof that it was not me meaning there was somebody else signing into my account and from different states but they still want to deny my claim but yet wont provide me any type of proof there has been thousands taken out of my account and I want my money back
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I am bringing to your attention the fraudulent personal information tied to my identity. Certain accounts and transactions have been wrongly associated with me, causing significant XXXX. I've been a victim of identity theft and have taken swift action by reporting the incident. Addressing this promptly is crucial, as it's adversely XXXX both my financial XXXX and XXXX XXXX. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I'm prepared to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is sincerely appreciated.
Consumer complaint received 2024-06-06
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. (NJ)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (CA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-06-06
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. (IL)

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2015-11-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (IN)

I have a checking account with TCF Bank. On Monday XXXX XXXX, the balance in the account was {$51.00}, purchases were made at XXXX XXXX for {$12.00}, XXXX XXXX for {$11.00}, XXXX XXXX for {$3.00}, and ( local grocer ) for {$7.00}. I checked my balance online the morning of Tuesday, XXXX XXXX, and saw that the XXXX transactions had posted to his account and funds had been withdrawn, and the remaining balance was {$16.00}, then he went to ( local grocer ) and purchased some groceries for a total of {$32.00}. I realized that this transaction was going to cause an overdraft ( for which he has protection ) and he decided to make the purchase anyway, knowing he would be assessed an overdraft fee of {$37.00}. When payday came on XXXX XXXX, he got online in the evening to check the deposit and found that the balance was much less than he had calculated. TCF had charged him a total of XXXX overdraft fees at {$37.00} each, XXXX of which were assessed on XXXX XXXX and a fourth fee was assessed on XXXX XXXX. We ( my wifeand I ) called the bank this morning ( Saturday, XXXX XXXX ) to notify them of the discrepancy. XXXX customer service reps and XXXX Lead Customer service Reps explained to us that the fees were assessed on the previous XXXX transactions because they were not actually posted, but pending, on XX/XX/XXXX and the bank posted them on XX/XX/XXXX along with the XXXX transaction. They blamed this on the merchants stating that TCF can not control when the merchant will make the demand for payment. TCF is using this process of " pending '' transactions to assess more fees to the customer, and then blaming the merchants when there is a complaint. We plan to close our account with TCF as soon as the payroll deposit cam be changed, but other customers need to be aware of this fraudulent practice, and merchants need to be made aware that TCF is blaming them. If TCF were the only bank we do business with, we would fall for this scam, however, we also bank with a local small-town bank and a bank much larger than TCF and we know that this practice is not " an industry standard '' as TCF representatives claim it to be. In the end, the TCF lead rep agreed to take off {$15.00} and then agreed to remove XXXX of the XXXX overdraft fees. To avoid this happening in the future, they offered that we could apply for a line of credit or open another savings account and link them, that way we would only be charged {$10.00} for each transaction. They still owe us {$74.00} which we seem to have no recourse for but to take them to court which would cost us more. This is criminal and they are getting away with it.
Consumer complaint received 2024-06-07
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. (WV)

this is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 
DEPTEDXXXX  XXXX Balance {$4300.00} DEPTEDXXXX XXXX Balance {$3700.00} DEPTEDXXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance {$25000.00} DEPTEDXXXX XXXX Balance {$4300.00} DEPTEDXXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} DEPTEDXXXX  XXXX Balance {$11000.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3700.00}
Consumer complaint received 2015-12-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

We purchased our primary home in 2007, with a hefty down payment. Right after the purchase of our primary residence, the bottom fell out of the market, and we were unable to sell or refinance. We have been working hard to make our payments for the last eight ( 8 ) years to keep our home in spite of our many troubles and have kept our credit score in the XXXX to XXXX range. 
Our loan is a " Pick-a-Payment '' loan which was previously under World Savings Bank, and was bought out by Wachovia just prior to our loan. We have been told that these loans are the reason why Wachovia Bank failed and was bought out by Wells Fargo. 
This loan allows us to make XXXX ( XXXX ) different payment amounts ( less than interest, interest only, standard 30 year P & I payment, or 15 year P & I payment ). We have been paying less than interest because that is all that we have been able to afford due to our other expenses. There was a court case that provided relief for delinquent borrowers, but did nothing for us, unless we were to stop paying our mortgage. 
Since we purchased our primary home, we have struggled to make the negative amortization payments, due to the many unexpected expenses and job losses that we have had. Our loan negative amortization payments have increased to almost double what they were originally due to the added mortgage interest to the loan amount. 
Our loan will go to standard full P & I payments in less than two ( 2 ) years, and we will surely fall into foreclosure. We are trying to be proactive, because we see the lights coming towards us in the tunnel, and foresee the train wreck that is about to occur. We want to preserve our good credit rating, as well as our most important assets, our home. 
We were denied a loan modification on our primary home under HAMP. We appealed due to how the monthly housing expense was calculated. We believe that Wells Fargo has incorrectly calculated our " monthly housing expense '' as {$3600.00}, and that it should be calculated as follows : Principle and interest payment on our first lien mortgage {$3900.00} Property taxes {$490.00} Hazard insurance premiums {$160.00} Escrow shortage payment {$1300.00} Homeowners Association Fee $ XXXX Monthly Housing Expense {$5900.00} According to the Wells Fargo letter, to qualify for a Tier 1 loan modification, we are required to have a monthly housing expense of equal to or more than 31 % of our monthly gross income of {$17000.00} which comes to {$5400.00} ( {$17000.00} XXXX {$5400.00} ). Our monthly housing expense is {$5900.00}. Thus, we do qualify under HAMP Tier 1, as we have a monthly housing expense of more than 31 % of our monthly gross income. Using the calculated monthly housing expense above, we have a monthly housing expense of 33.5 % ( $ XXXX {$17000.00} = 33.5 % ) of our monthly gross income.
Consumer complaint received 2024-06-07
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. (OR)

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2022-01-11
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

15 USC 1692c I've never done any business with this company. I don't know who they are. I've never signed a contract with this company before for anything. I never gave written or verbal permission to anyone to pass my information to this XXXX party that I've never heard of.