davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian continuing it's XXXX XXXX INSTITUTIONAL XXXX negligent business practices of inaccurate erroneously reporting my payment history so as to suppress my creditworthiness, and employment viability. Per that attached XX/XX/XXXX credit report, Experian is reporting my XX/XX/XXXX mortgage payment to XXXX XXXX XXXX as 30 days late when the payment was CLEARLY made XX/XX/XXXX per the attached XXXX XXXX XXXX branch location receipt!!!
Consumer complaint received 2024-07-09
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

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 2023-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (CA)

I had direct deposit for an account with checks that were supposed to be direct deposited. I was told to close this account back in XXXX by Wells Fargo because of suspicious fraud transactions. If I reopened a new acc. Will it disrupt my current deposits an will they be transferred to a new account. Wells Fargo assured me that absolutely everything will continue! I still havent been able to get any deposits since then. On XXXX a deposit of {$5500.00} had went into a closing account but Wells fargo failed to notify me, an failed rerouting to my new account. Even tho In Wells Fargo disclosures state the first 90 days Wells Fargo is responsible for anything for any transactions relating to direct deposited or issuing a check in the amount for a closing account. Ive been trying since to have Wells Fargo rectify the situation. Wells Fargo then tells me that now I have to contact the issuing company to have payment reissued. In doing just that they say to contact the bank and go around and around since. I was told to go down to the branch that opened the new account in doing so I had the Wells Fargo banker say, oops my bad I made the wrong account by accident and i was told to call Wells Fargo again an email them to have then fix it. In doing so, Most Wells Fargo employees had actually never even read their own disclosure 98 % of them had no clue about anything. Wells Fargo would just have me transfer to another employee and then at the end just tell me to go to the branch after being on the phone for 3-4 hrs every time. I have gone through all the steps and still havent received a phone call back. An each time I have to explain the situation again and again! As if Wells fargo doesnt evn have a clue about whats going on.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OR)

I paid for a XXXX bedroom apartment stay on XXXX via my Chase Sapphire Reserve credit card. The host moved me into a studio at XXXX when they couldn't get access to my booked apartment. XXXX spent XXXX days giving me the runaround, then said that they're not going to refund the difference in cost and closed the case. When I disputed the charge to Chase, they declined to continue the dispute because I stayed in the smaller space while trying to resolve the issue with XXXX. Now I have to pay for a space that I never got to see!
Consumer complaint received 2024-07-09
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. (NY)

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus has updated it. Therefore, I request that you correct this account in my credit file as this is inaccurate, erroneous, incomplete, or unverifiable. 
XXXX XXXX  XXXX XXXX.....
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/2023 I went into Bank of America XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX with my daughter to withdraw money to purchase an automobile. The teller ID on my receipt is XXXX. My checking account had over {$21000.00} in it and my savings account has about {$54000.00} in it. I asked the teller if I could borrow the money from my Bank of America credit card and he checked the limit of my credit card and said yes. I then took the {$4900.00} from my credit card. On XXXX/XXXX/XXXX  I signed into my Bank of America, and I observed I was charged a cash advance fee of {$240.00}. I immediately called the bank and spoke with XXXX. I explained that I was not told that I was going to be charged a fee and there was not charge on my receipt they gave me. I explained that if I would have known I was going to be charged a fee I would have taken it from my checking account. He opened a ticket and advised I would hear back from the bank. On XX/XX/2023 I received an email from the bank declining the dispute. I called the bank back on XX/XX/2023 and spoke with XXXX. I explained the situation and after a brief hold he came back on the phone and said he talked with his manager, and he/she advised if I pay the amount today that the {$240.00} cash advance fee would be credited. I immediately went into my account and paid the balance on that credit card {$5100.00}. ( See attachment ). On XX/XX/2023 I went to my bank account and saw the payment had been posted to the account, so I called back as instructed by XXXX. I called XXXX at XXXX XXXX XXXX and spoke with XXXX she advised that she could not authorize a refund for the cash advance fee. I asked to speak with her supervisor, and she transferred me to XXXX. XXXX is her supervisor, she advised that the fee would not be credited. I asked to speak with her supervisor, and she transferred me to her manager spelled XXXX XXXX pronounced XXXX XXXX. I explained that I was told if I paid the amount that day that the fee would be credited. I asked XXXX to please go back and look at the notes from XXXX. He replied, it didn't matter what the notes stated the fee would not be credited. I find this situation incomprehensible, and unethical.
Consumer complaint received 2023-03-21
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. (NJ)

I asked the credit bureau to do a verification for the following accounts and to furnish supply original contracts and the rights for these agency to collect in my state. The credit bureaus have only verified electronically without providing proof and has failed to do so in the time allowed. 
XXXX XXXXXXXX XXXX XXXXXXXX {$590.00} acct # XXXXXXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$1000.00} acct # XXXX XXXX XXXX XXXX {$860.00} acct # XXXXXXXX XXXX XXXX {$990.00} acct # XXXXXXXX XXXX XXXX  {$650.00} no acct number displayed XXXX XXXX XXXX XXXX {$1000.00} no account number displayed In accordance with the Fair Credit Reporting Act all of these companies have violated my rights. 

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

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-16
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: AMERICAN EXPRESS COMPANY (CT)

Spoken with All Creditors and Bureaus in question to remove Accounts that were fraudulently opened on my credit report. 

Sent multiple FTC reports to XXXX, XXXX, and XXXX in regards to Identity theft. These accounts were never Removed. Ive called every day to follow up with each company for the last two weeks after initially starting the disputes in XXXX. I received Not much changes. 

XXXX has removed some accounts ( XXXX XXXX  ) for fraud while XXXX and XXXX still report inaccurate information that came from fraud. 

I have sent mail as well as uploaded my documents to XXXX. They claim theyve never received the documents I mailed. I asked if they could have a person manually review my Documents because they do highlight fraud on my account and the response from XXXX representatives was that this was not possible. 
I then asked if my contactual agreement between XXXX and myself allowed me to request manual review of my documents, the rep responded yes but could not complete my request as their companies policy allows for A.I. machine to review and place a determination on my report. I said to the Manger who I spoke with from XXXX earlier today that I didnt ask for a robot or machine to review my documents. She then told me it was nothing that could be done. She left me one option which was to set aside time again and reprint the documents to have them taken to the post office for Mail when I fully explained that I have done this in the past and have receipts to prove this. I was instructed on the phone by a representative to upload my documents to the online portal where they would be reviewed. The agent never specified that it would not be reviewed by a person in which it was clear in the conversation that a personal review is what I was looking for. I also explained I am going up for a mortgage have kids and am being affected daily by my consumer report with is filled with Fraud that I need a manual review so my decision can be delivered in a reasonable amount of time that doesnt allow for me to miss the opportunity to mortgage my home.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-09
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. (FL)

Despite making this attempts to resolve this issue, the inaccuracies persist, causing significant harm to my credit standing. Despite these efforts, the errors remain unresolved. The lack of correction and communication from your company is both frustrating and unacceptable. The continued presence of these inaccuracies is impacting my financial stability and causing undue stress. I am now seeking the intervention of you to assist in rectifying this issue. I expect an immediate corrections and to receive a response within exact timeframe from the date of this letter. If this matter remains unresolved, I will have no choice but to formally file a complaint and consider further legal actions to protect my rights. Please help me correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (NV)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (AZ)

Upstart is violating my rights. I have monthly payments with them. Today i get a message that they sold my loan without my permission. See below Current balance : {$8800.00} Dear XXXX XXXX, Your Upstart loan, XXXX, has been sold to XXXX XXXX, XXXX and is no longer being serviced by Upstart XXXX XXXX as of XX/XX/year>. 

Any payments sent before XX/XX/year> will be applied towards the debt balance. Any future scheduled payments to Upstart XXXX XXXX have been cancelled.
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: EQUIFAX, INC. (TX)

I urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history. Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness. I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution. Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items. Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report. Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$81.00} ; 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 XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$590.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (FL)

I just looked at my credit report and was shocked to see the numerous amounts of errors listed. 

i notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. 
I am writing to have you remove them immediately. 
XXXX, XXXX, and transunion company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. 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. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Due to job loss coupled with mounting medical expenses, In late XXXX, we called our servicer, XXXX XXXX XXXX XXXX, requesting for a loan modification. Based upon our estimates, we needed a {$300.00}. Reduction from our current {$2800.00}. Payment. We requested that our 6.5 % interest rate loan be modified. They stated, they could not help us apply for a loan modification unless we missed two payments. We followed their advice, called back applied and was granted a temporary loan modification of {$150.00}. Less our original mortgage amount. We were told, if we paid it on time for one year, we'd be granted a permanent modification. We were successful in doing so. After a year we applied again for a permanent solution. We were told to keep paying our temporary modification while they decided the outcome. Six months went by, we paid on time, however what we got next was not a modification but a Notice of Default. We were told that the servicer has granted us the modification, that we " fit their requirements '' but the private investor on the backend did not agree. Shocked, we sought legal council.

Lawyer said, why are you still paying them, they are foreclosing on you, a date has been set. Stop paying them! We also learned we were a MERS loan and had been robo-signed. 
We pursued a lawsuit against them based upon lawyers suggestion. When our case came to trial, unfortunately we were unaware that our lawyers law firm was being investigated for embezzlement and our lawyer was being sued for sexual-harassment charges. At the time of our case our lawyer and the firm got disbarred, and is still currently without license. 
We hired a second lawyer. Waited 2.5 years for our appeal case to come up. Our second lawyer used the first lawyers defense and did not bring up the fact the first lawyer had not represented us properly due to their legal entanglement.

All the while, past due mortgage amounts and late fees racked up to {$350000.00}. 
We had paid both lawyers money each month that was equivalent to our mortgage payment, which was over {$300000.00}. in fees. Our appeal case was lost on grounds that our legal counsel did not put forth a good argument of why our case should be heard in court and the judge dismissed our case. Upon that outcome, XXXX XXXX immediately sold our loan to Specialized Loan Servicing and we are now being foreclosed on. We asked for a reconsideration of a loan modification with a reduction of principle however we have been denied the opportunity and are now in pre-foreclosure status. 

We don't want to lose our 30 % down payment, in the amount of {$280000.00}. we had put down on our home to get into it i. XXXX. Our loan balance prior to this happening was at {$610000.00}. We now owe them over a million dollars.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXXNever 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 8