davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TX)

Ongoing with American Express Gold Card, for almost two years, I have had a problem getting them to stop charging for certain payments for ongoing services which I had cancelled with various companies ( Primarily XXXX, but also other accounts ) by contacting AmEx and asking to have these amounts not taken out from my card. At least two times I got rude responses in regard to my responsibility to make these payments and they couldn't stop them from being charged to my card. After three tries and repeated efforts they even gave me a {$200.00} credit ( which I never took since I might have to pay it back if I cancelled my card within the next year ) in order to try to appease me - this time assuring me the charges would not occur. This was sometime in late XXXX early XXXX. Finally, in frustration, after I was again charged by XXXX I cancelled the card which I had for around 15 years. My last bill I received from them in XX/XX/XXXX - I received a credit balance repayment ( which I later received by check ). Despite that a charge kept appearing on my account - note : my now closed account! So, despite asking that charges now be made against my account from certain creditors, and despite closing my account - American Express continued to accept charges and then to bill me! How can that even be legally possible for me to tell them not to allow a particular customer to charge my card that they still do? And, even after the account is closed they still charge - to a closed account - how? And how can I as a customer who gave them notice still be responsible for their error? Well, according to XXXX, who was very friendly/helpful - with the next credit reporting that goes to the Credit Bureaus, AmEx will fix my credit report! He couldn't give any kind of IDentifying info other than " XXXX ''! So now I wait until sometime around the XXXX to see if AmEx fixes this! In the meantime I think this is an important issue the CFPB and AmEx need to look at - I have never been so treated in any business dealing. It seems fundamentally in error! If someone could contact the Legal Department and discuss - surely this cant be correct!
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (AR)

Synchrony bank placed a restriction on my account after I just mobile deposited a mobile check for XXXX on XX/XX/XXXX and placed a restriction on my account saying somebody tried to log into it from Michigan which is a lie because the account is brand new and the only person with account information is me they have yet to release my money or tell me anything about the whole situation and I want my money
Consumer complaint received 2023-10-11
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)

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 2023-06-01
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. (DE)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo sent me a check for {$150.00} for overdraft fees charged, they then deducted the {$150.00} from my account. And the check is not able to be cashed cause wells fargo said it was cashed already, but they took it out of my account like it never existed, when I called so they could reissue the check they stated it was already cashed. They just robbed my {$150.00}
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I recently viewed my credit report and saw an outstanding auto loan for {$15000.00}. This was not purchased by myself and was done fraudulently. I have tried to dispute this with not only the company XXXX XXXX XXXX XXXX ) but with the credit bureaus as well. Still no one has been able to remove this from my credit. I dont even know what kind of car it is!! And it has never been paid on. This is putting a damper on my credit and causing an inability to purchase a vehicle for myself and a home.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to bring to your attention that there are entries on my consumer credit report resulting from identity theft. I want to emphasize that I neither provided written authorization nor instructions for these specific transactions to be included in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], and the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681a ], I hereby formally request that the reporting of this information be blocked and promptly deleted from my credit report. I want to make it explicitly clear that my request to block and remove this information is not made in error, nor is it based on any material misrepresentation of facts by me pertaining to the transactions in question. These identified transactions are not related to any of my own financial activities as a consumer, and they have been listed as follows : XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, EQUIFAX XXXX  XXXX of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-10-11
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. (NV)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX # XXXX Closed Accounts : XXXX  XXXX # XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX AUTONATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX 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 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MN)

My mortgage and bank are both Wells Fargo. Every two weeks, they automatically reach into my main account and pull half the payment for the mortgage. This is fine. I also pay extra. Sometimes every week, sometimes not. It varies how much I can pay. Recently, it 's been {$100.00} dollars every week with billpay that goes to the mortgage. Most of the time it is applied to the principle, that I can tell. I had some extra money that I chose to pay into mortgage, {$1000.00} dollars. When I transferred it, the money just sat in the mortgage account, but not applied to the principle. About a week later I called them to ask why. They said that it went into a " suspense '' account because it was n't enough for whole payment. But, they already have whole payments when they pull them out. This was supposed to go to principle. They said they would shift it around, but they did n't do it right. Several hundred dollars off of that XXXX did n't make it into the principle. I called a few days later, and they said they would try everything again. 

I requested an audit on my mortgage from the beginning of the loan, 4 and a half years, to verify that all payments are going where they are supposed to go. They wo n't do that. They only say that they have now " re-coded '' my loan so that any future extra payments will now go to the principle. They 've been taking their share automatically since the beginning of the mortgage. Why was n't it " coded '' that way from the beginning. 

I suspect that WFB has been cheating me from the beginning.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter on XX/XX/XXXX, to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 2023-10-11
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. (MD)

This is about Derogatory account on my credit report which was open in XX/XX/XXXX  after 7 years it was supposed to be fallen off my credit report but it still hasnt. Instead, it was re-sold from to company call XXXX XXXX XXXX XXXX after seven years and now the TransUnions is telling me that the 7 year clock has restarted. I sent them all the documents mentioning that this collection account was open almost 8 years ago by company called XXXX XXXX, and by law, they should remove it. But instead they were telling me that the collection was sold to different company, called XXXX XXXX XXXX XXXX whom reopen this collection this year in XXXX, and it will take another seven years to fall off. So I asked them what happens after another 7 years, if this company sells it to a different company, it will the 7 year clock start again and this will continue until I die they had no answer that.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES CERTIFIED CREDIT REPOR XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXXXXXX {$3000.00} XXXX XXXX XXXXXXXX {$320.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (VA)

My first XXXX was XXXX XXXX and sealed. That shouldn't be included nor affect my hiring processes. I also was XXXX of all charges for my case that was settled in XXXX. The district attorney and judge was on my side. I want retribution. That has been affecting my job search long enough!!!!!!
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (TX)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-03-13
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO Bank, N.A. (NC)

Had a boat loan with Bank of the West. They recently sold to BMO Harris, so now BMO is handling our loan. We received a NC UCC statement yesterday and inquired what it was about. They told us that BMO filed a lien against our name and to contact them to see why. When we contacted BMO, we were told that it was a mistake and shouldn't have been filed, so we asked for a letter stating that the lien was removed and it was an error on their part. They wouldn't provide us with this letter and instead said a manager would call us back. They never called back. To try to disassociate with this bank because of this situation, I logged in to make a lump sum payment to pay off this loan with them. I was informed that they would only allow a {$25000.00} payment to be made and that I couldn't make the whole {$45000.00} payment. So I paid the {$25000.00} payment and it immediately locked my account. I've made a payment from this same account in the past and they had no problem when it was a regular monthly payment but because it was such a large payment I was told that they had to verify my identity. Upon calling to do so, I was told that it was verified but would take XXXX days for them to process the hold on my account on the back end. So now not only can I not make a payment, it is probably going to be late due to them locking my account. I've spend countless hours contacting them for help and no one is willing to help me. I need someone to step in and make this bank do what they're suppose to do. Thank you!
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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.