davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (NY)

Last night I received a report from a credit monitoring service that I maintain, that said I had a hard inquiry made to my credit report and it cuased my credit score to take a dip. I am alerted when this happens as I like to maintain excellent credit and want to be on watch for fraud, identity theft and other issues. 

An organization by the name of " XXXXXXXX XXXX XXXXXXXX '' made an inquiry on XXXX XXXX XXXX. I did not apply for credit with this bank. Its lists an address of XXXX XXXX XXXX XXXX XXXX, ND XXXX. I have disputed this on my experian account but it is concerning. 

That was followed up by an email to my email account this morning claiming that I opened a credit card. It said : " Congratulations, XXXX, on your new credit card! You have been approved. To get the most out of your card, enroll in online banking or download the XXXX XXXX XXXX XXXX. The app lets you move money around effortlessly, lock and unlock cards, pay all your bills with one secure password, and so much more. You can even bank by voice or text with the XXXXXXXX XXXXXXXX XXXX XXXX. Download our app today. 
Download on the App Store, Get it on XXXXXXXX XXXX About your new card : Your card will arrive by mail in about 7 days. Be sure to activate it that will boost your cards credit line to {$2000.00}. If you requested a balance transfer, youll receive a letter with information about your request. Thank you for choosing XXXX XXXX. '' When I tried to call the number for XXXX XXXX, it asked me for the last four digits of my social security number so I hung up. 

When I looked at my credit file it appears that yesterday someone also tried to open a credit account with XXXX XXXX XXXXXXXX, also on XXXX XXXX XXXX That was another hard credit inquiry. That address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I am disputing this one as well on experian. 

I XXXX XXXX XXXXXXXX XXXX '' as I had never heard about them and found out that after a five year investigation your organization ( which is how I learned of the existence of this organization ) fined them millions of dollars for making unsolicitaed/unapproved hard credit inquiries and opening credit facilities on unsuspecting consumers. I guess they are at it again.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

- I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2024-05-08
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$35.00}
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has denied my claim against a company called XXXX. They offer a land acquisition course and the ability to submit and partner with them on residential development land acquisitions. The problem occurred when I went through the courses and researched and submitted a land deal and was finally told almost a month later after several inquiries with the company as to whether they had received and reviewed my submission that they don't do deals in California. When I signed up the company knew that I was in California. I have been in XXXX XXXX for over 20 years and don't take investments into furthering education courses lightly. I know that these investments in education can produce great results as far as a return on your investment by gaining valuable knowledge. However, to be casually told after little to no response during the month after the submission that they don't want to work with California deals was shocking and stressful. The course cost {$15000.00}. XXXXwo transactions, one for {$9900.00} on XX/XX/2022 and one for {$5000.00} on XX/XX/2022. 
BofA has a dispute dept that closes each day at XXXX EST. You are only allowed to fax in proof of your claim, which I did. You are not allowed to speak or email directly with the dispute department ever. You can only call a Customer Support number which then will send notes over to the dispute department. BofA said that they denied my claim because the company provided the services that I signed up for and they closed my claim twice and now have marked it as resolved. This is no where near solved and the company didn't provide the services that I signed up for. I have been a customer with BofA for over 30 years and there is no protection and very little investigation into this claim on my behalf by BofA. $ XXXX is not chump change. It's significant and my investment of time and money has been completely disregarded and dismissed very casually.
Consumer complaint received 2024-08-06
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. (CA)

In line with the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have submitted the necessary documents : a photo ID, a utility bill, and a letter from an advocacy group supporting me due to XXXX XXXX debt bondage, which is covered under trafficking as per the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I respectfully request that this information be blocked from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided the required identification and documents from the list of acceptable items, with only two being necessary under the law. Furthermore, I have included a victim determination letter as required by 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-04-29
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. (IA)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the 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.
Consumer complaint received 2023-04-29
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. (IA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # 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 an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the 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.
Consumer complaint received 2023-04-29
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account 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 In accordance with the Fair Credit Reporting act XXXX  Account 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIRSTBANK PUERTO RICO (PR)

I had a comprehensive insurance claim on my vehicle. The insurance company issued two checks. The first one check was already endorsed and released by the the lien holder First Bank. The 2nd check in the amount of {$1200.00} which is in the name of First Bank and myself is to pay the body work repair. The Body Work has been completed. The person who did the body work repair is still owed. I owe the lien holder the next due of XX/XX/XXXX. Due to COVID and the fact that I am a XXXX  employee, I have no work. First Bank refuses to endorse and release the check to pay the Body Shop. First Bank is demanding that I bring the account current or they will endorse/release the funds. First Bank is attempting to keep the portion of funds needed to bring the account current. 
The Vehicle is a XXXX XXXX XXXX with a payoff of about {$4000.00}. 
The Bank had originally refused to take the amount in full of the insurance to settle the debt owed on the car and for me to not fix it. Now comes First Bank to refuse to endorse the check. 
First Bank has also requested for the vehicle to be Repossed. I applied for the moratorium and First Bank has refused to work this out. 
First Bank is aware that the value of the vehicle exceeds the what is owed. First Bank is now adding additional costs, fees and legal fees. 
I demand to have First Bank be investigated for predator lending.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (CA)

On or about XX/XX/year>, I submitted a grievance against SoFi Bank regarding arbitrary limitations on my mobile check deposits and holds on funds without cause or XXXX, having a longstanding account in perfect standing without so much as a single returned check over the course of my banking tenure. After submission of this grievance and engaging local media, I was advised that these matters had been resolved in full only to again encounter said check hold and limitations after another mobile deposit on XXXX XXXX XXXX XXXXXX/XX/year>. 

Please be advised that I wish to speak to SoFi Bank Senior Management on this matter as their scripted emails do not address my concerns, and is simply a scripted response to my request for urgent assistance.

Please be further advised that I kindly request that my communications do not go neglected, as I have several times requested expedient contact via telephone from a senior banking representative to aid in this issues immediate resolution, to no avail thus far.

As noted, my account has been open for several years, and always in perfect standing after my most recent grievance with XXXX XXXX XXXX  and local media in XX/XX/year>, I was u see the advisement that this issue of the arduous and lengthy holds ( as well as deposit limits ) had been resolved. As advised, these sudden and arbitrary limitations greatly impact ones ability to facilitate banking needs, and with my longtime tenure with SoFi Bank, I request expedient remediation as previously requested. As a longtime customer, one should not have to be beholden to a computer system placing extended holds without merit on ones checks and I once again request a point of contact to aid in this and my banking inquiries herein moving forward. 

SoFi Bank regrettably views its customer as nothing more than a number, and refuses to speak to their customers whom are experiencing hardships and profound issues with their account a facet that all future consumers must be made immediately aware of. 

Please note that it is my hope to ensure this matters immediate resolution at this level. 

Kindly escalate this matter for resolution and thank you kindly in advance, to be addressed via telephone as soon as possible.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On my Equifax credit report I reported an account that is being reported as mine which is not mine. 
Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
This account below is not mine and should not be on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Unpaid  On my XXXX Credit Report the account below is being reported on my credit file. I have never had an account with any of the companies listed. 
I also reached out to the companies for validation of debt asserting FCRA rights under Section 609 and they have refused to provide me with this information. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law 15 use 1681 I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated. 

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  Account status Open Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.
Consumer complaint received 2024-08-06
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

Automotive Credit Corporation is despicable & reporting lies on my credit report multiple times. I have all the proof of my on-time payments. They are making up dates & payments. They reported me 30 days late on my credit. Then when I proved it was on time they took it off. Now, they are doing it again when again there is no 30 day late payment. These creditors are abusive bullies & need to be stopped. I will be filing complaints with the Attorney General & the FCC
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I received a copy of my ChexSystems record and I have found several inaccuracies in the report. I am contacting you about the compromising of my information. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from ChexSystems record and send me an updated copy of the ChexSystems report. 
In detail, you recorded that I had non-sufficient funds with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this record because I believe it to be inaccurate. Please request evidence of this unresolved outstanding negative record from [ bank name ] and investigate this item for me.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP (CO)

I lost my job in XXXX and contacted usbank to ask about assistance. they emailed me a dead link to follow : https : //mortgagehelp.usbank.com They emailed me this link every time I reached out from XXXX to XXXX. I was not able to make the payment this month. I don't know what's happening next. I uploaded everything requested online via my account, and the documents are repeatedly rejected. And then they send me an email with the dead link to get assistance. They also send a robocall with the dead link as well. It's been a nightmare and I might lose my house if it continues.
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (GA)

First let me say its nice to know that at least XXXX of the XXXX CRAs Equifax still exercises their grave responsibility with fairness and impartiality and the importance of accuracy and relevancey. However my complaint is with XXXX and XXXXThey continuiously violate my federally protected rights, which is causing me real damages ; to the point Im considering Civil Liability for their willful Non-Compliance. 

In XXXX I wrote letters to all three agencies informing them that the information they were reporting was inaccurate and or incomplete and asked them to investigate. ( letters included ) I also filed complaints with the CFPB on XX/XX/XXXX to reinsure my concerns were on record. 
XXXX XXXX XXXX Equifax.XXXX  XXXX. Only Equifax complaint was closed and it is obvious they did an actual investigation because most of the inaccurate info was updated or deleted. I was notified by XXXX and XXXX that their investigation was complete and that the information was verified and accurate, So I pulled another report just to find, unlike Equifax a lot of the same inaccurate information was still being reported. 
I then sent both agencies Method of Verification letters by certified mail # # XXXX XXXX # XXXX XXXX. ( letters inclosed ) Its been over 15 days and I still havent received that information from either agency.Which is a clear violation of 15 USC 1681i enclosed is a copy of my recent credit report which I marked up to show the many different inaccuracies and violations of 15 USC 1681. Is civil action the only way to correct this or do your over-site play a part in getting the request adhered too.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has been charging me a monthly service fee of {$5.00}. Initially, the amount I needed in the account to avoid the fee was {$250.00}. However, at some point it changed to {$300.00}. They have charged hundreds of dollars in fees, while I have made XXXX cents in interest. I never would have agreed to the terms of this savings account, that has cost me far more money than I have " saved. ''