davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Boeing employee credit union charged me fees for gap XXXX insurance that I didn't get and an extended warrenty XXXX that I didn't get refunded or the extra insurance they put on my lian that cost about XXXX in XXXX each and becu kept that refund as well as made me get a savings account and directly deposut y ssi check into and they froze my account for parent and only took it out the payment every once in awhile ruined my credit score they supplied me with a lian I couldn't afford or qualify for that XXXX loan on ssi XXXX XXXX a month they sold me a car that car company defrauded me by not disclosing it had been wrecked repaired resold ad a newer used car I went to a different dealer ship and that's how I found out they collected insurance on car first time and collected refund for their in insurance they put on contract my payment was increased from XXXX. To XXXX .month when I found out I valetaryly gave the car back but they purposely waited several months and charged me fees that shouldn't of accumulated and when they sold the car they made a profit on sake I believe they owe me XXXX from profit of sale and all itherrefunds and fake extended warrentys that still sendse a paper I mail to renew becu ruined my credit and now says I owe them after all their defrauding me and the sales if car and phoney charges XXXX owe after paying on car for two years direct my through ssi depositing every month wasn't late ever but becu would only pay out of savings when they wanted too so my credit score went from XXXX to under XXXX score totally this bank is iam not the only one becu us kmowen for these kinda shady practices XXXX is only a fraction of what becu owes me
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am compelled to file a formal complaint against Wells Fargo for unauthorized transactions on my account, and the ensuing substandard customer service experienced during my resolution attempts. 

On XX/XX/XXXX, around XXXX XXXX  XXXX, I received a deceptive call from an individual impersonating a Wells Fargo fraud department official. Under the assumption of speaking with the bank, I inadvertently disclosed personal information, enabling the caller to replicate my debit card on their XXXX and conduct unauthorized transactions totaling {$5500.00}. 

The perpetrator withdrew $ XXXX cash and cashed a $ XXXXXXXX XXXX XXXXXXXX. When I reported these fraudulent transactions to Wells Fargo, the response was inconsistent and perplexing. I was initially instructed to file a police report to pursue the cashier 's check claim, conflicting with alternate guidance from different branch managers. This only added to the confusion and delay. 

It is unfathomable that Wells Fargo validated and reimbursed the $ XXXX but rejected the $ XXXX 's check claim, especially as both transactions were linked to the same individual, performed concurrently, and at the same branch. This glaring inconsistency indicates a profound deficiency within the bank 's fraud detection and management systems, inflicting financial loss and undue stress. 

Subsequent communications with Wells Fargo 's executive office and my case manager, XXXX XXXX, led to further ambiguity. The $ XXXX was settled ; however, denying the $ XXXX persists without transparent justification. The opaque and contradictory information I received from various bank representatives has been exasperating and obstructive. 

Such discrepancies call into question Wells Fargo 's claim validation criteria and commitment to protecting customers from fraud. I want an exhaustive review of this issue and reassess my claim. 

I am requesting an urgent engagement to ensure equitable redress, including the full restitution of the unauthorized $ XXXXand an explicit rationale for the initial claim denial. The negligent management of this case by Wells Fargo necessitates your intervention. 

Having been a loyal Wells Fargo customer for 20 years, with both personal and business accounts, my expectations of the banks diligence and customer care were significantly higher than demonstrated.I appreciate your consideration and anticipate a just resolution. 

For yourconvenience, I haveattached a screenshot of the two transactions made that day, and a copy of the cashiers check made out to XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX XXXX -- - ( Wells Fargo has my first name, as XXXX XXXX
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX 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 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 2023-08-05
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: EQUIFAX, INC. (TX)

I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY (CA)

Respected XXXX, This is again a misrepresentation by American Express about the financial relief program they offered. I paid the XXXX  installment on XXXX XXXX as per agreement. On XXXX XXXX they have sent another statement asking for XXXX installment payments. 

Previous case closed by them XXXX. This is an aggressive attempt by them to ask for more than what I agreed to pay XXXX XXXX as part of financial relief. 

I am attaching a statement I received from them. I request clarification from them about why they are asking for payment which is XXXX times of {$320.00} I agreed to pay XXXX XXXX and started the first payment on XXXX XXXX. 

This is a part of the case XXXX and XXXX in addition to family cases XXXX, XXXX. The people involved 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 other defendants in cases pending including various companies involved related to XXXX  and my family members may be associated with American Express in XXXX way or another. I request arbitration and proper guidance from American Express about what is due. I can afford only {$320.00} per XXXX. I will be able to make only that amount XXXX XXXX until I find another job.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2023, XXXX XXXX denied me for an open credit plan even though their indenture agreement states that when an applicant applies for credit they shall be granted as long as they exercised their rights with good faith and clean hands. Also I have attached the letters and laws that are being violated in this matter. Also I'm in arbitration with XXXX credit agency, so im not sure how that company can report something that isn't my account. I explained that XXXX XXXX, and the issue still have not been corrected. 

Dear Underwriting team, Today I, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by XXXX XXXX XXXX XXXX on XX/XX/2023. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your XXXX XXXX XXXX agreement where it states that my note is an open-ended credit line and access should be granted. I have also attached your XXXX form that explains in detail about notes and securitization transactions from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that you please open my line of credit. 

As you may be aware, it is against federal law in accordance with the Equal opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code Sec 1691 ( C ) you assume civil liability pursuant to 15 U.S Code Sec 1691 ( k ). 
XXXX XXXX and XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights : 1. 15 U.S Code Sec 1642 2. 15 U.S Code Sec 1681M 3. 12 CFR 1002 Since this letter was sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, and youre criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. 


If there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. You have XXXX business days from the delivery of this letter to resolve this matter. 

Thanks, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-10-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Even before this late payment was reported I made an arrangement to pay XXXX XXXX the minimum due before the 30 days. The payment was taken on XX/XX/2023 the wrong date it was suppose to and the payment ended up getting reversed from my bank since my work check wasn't cleared yet. Even with this knowledge XXXX XXXX still violated my rights with this late fee report without giving me no heads up at all.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a auto loan with this lender and in XX/XX/2023 it was reported to all 3 credit reporting agencies I was more than 30 days late but that was not true. My payment was due XX/XX/2023 and the payment was made on XX/XX/2023 which is 29 days past the due date but not over 30. I filed a dispute with each credit reporting agency and they were all corrected however the credit union continues to report the XX/XX/2023 payment as more than 30 days past due which is clearly incorrect. I have had to contact them and Transunion several times over the past few months and the credit union keeps claiming they did not report this information to any of the credit reporting agencies. However when I contact Transunion they tell me the credit union keeps sending them this false information. The most recent contact with the credit union and Transunion was XX/XX/2023. 

I need for the credit union to fix this error on my account and advise them that they can not report a payment as more than 30 days past due unless that has actually happened because it also appears that once the month changes ( XXXX to XXXX for example ) their system automatically reports the payment as over 30 days late without actually counting the number of days it's late which results in constant incorrect reports to the credit agencies. This practice harms consumers and is grossly inaccurate which damages consumer 's credit unnecessarily.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Our renter " XXXX XXXX  '' had given a 10 day eviction notice on XXXX XXXX, XXXX  stating that we needed to pay a {$300.00} pet fee for having our dog. I had paid that fee when we initially moved in on XXXX XXXX, XXXX. I handed the manager a {$200.00} move-in pet fee at that time. The apartment complex stated they had no proof of this payment. I brought in the check that was written to them as proof and they still claimed they had no records so they would be evicting us within 10 days for " breaking the lease agreement. '' I stated to them that our " lease agreement '' had been broken when they didn't replace our AC unit in XXXX degree weather for over a month while I had a XXXX old, XXXX old, and XXXX old at home and that I would take them to court as that is highly illegal. They ceased and agreed to break our lease on XXXX XXXX, XXXX with a XXXX balance. I always paid my rent on time. Never late. Never had to pay any fees. I was a beyond great tenant. My reviews are on XXXX for XXXX XXXX  at XXXX XXXX if you would like to see how I was treated as a tenant. After a week, they hit my credit with a collection. I disputed this collection on my report immediately and my husband disputed it on his report as well. XXXX, XXXX, and XXXX had deleted and removed the collections due to me having proof of this transaction with XXXX. Now as of XXXX XXXX, XXXX, a new collection hit my and my husband 's report from a collection agency. Credit Genesis Collections is trying to now collect for this same debt. I have disputed this collection as well and I have had it removed multiple times over the entire year of XXXX. There has been different account numbers, multiple accounts, different dates, and this collection continues to come back over and over even though I have proof that it has been deleted on multiple occasions. My husband also would have not been able to join XXXX XXXX military with a collection like this on his credit report. He had no collection when they gave him a background check in XXXX of XXXX when he joined. I have no other way of correcting or fixing this. We don't owe anything to XXXX the original debt collector or the collecting agency trying to collect on this debt.
Consumer complaint received 2022-11-13
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-19
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. (NV)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 


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 2023-11-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC. (GA)

XXXX XXXX hired XXXX XXXX at Lien Enforcement Department Global Solution Biz LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Georgia XXXX to come by my home and take my personal items. XXXX confirmed over the phone the debt owed is about {$7000.00}. I am positive after all illegal fees are removed I owe alot less. They are saying I signed a contract allowing them to seize my personal items. There is no lien filed in the state of georgia. 

This has to be illegal.
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (GA)

I disputed this account on XX/XX/XXXX the account has late payment on a collection account. The account date last active has been illegally reaged to XXXX even though the initial charge off was in XXXX. The account has been paid and was agreed to be removed by the creditor. I disputed this account and the creditor responded and said this account meets FCRA requirements even though theres multiple violations
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

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 I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Bankruptcy, Account name : Ideal Auto Sales, Account name : Security Financial. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I disputed the information with the bankruptcy court, XXXX XXXX and XXXX. Bankruptcy court stated they do not verify any bankruptcy open or closed with any third party including pacer. I never gave written permission for anyone or any company to furnish any information on or about me. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy 1 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been trying for 6 months to dispute items. I have been sent back my letters in mail. I have been denied disputing online, yet transunion is still able to add negative items to my report and I have no way of resolving or defending my person. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore. any such debt, in fact therefore exists Transunion is in violation of 15 USC 1681, 15 USC 1692