davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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. (PA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2023-08-31
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. (NV)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT, FRAUDULENT, AND OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER, THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT IT COMES BACK VALIDATED EVEN THOUGH THE INFORMATION IS INCORRECT AND FRAUDULENT.
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

The companies mentioned below have illegally bought my personal information including SSN, date of birth and address from original creditor illegally without my consent, Violating U.S.C. 1681 ( b ) ; in addition they have practiced deceptive and threatening methods illegally using false and fake documentation and illegal threats, also violating U S.C. 45 ( 5 ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WV)

This is about a former creditor  WELLS FARGO HOME MORTGAGE . Address :  XXXX   XXXX   XXXX   XXXX   XXXX , IA  XXXX .  XXXX   XXXX   XXXX   XXXX . The problem here is that it was paid back on  XXXX  in the selling of the property I owned, which I have supportive documents of that sale and the date of the sale and the payment to  Wells Fargo Home Mortgage. But, I was still given a negative report from   XXXX   to  XX/XX/XXXX  for making late payments. It was said I  made a  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . I tried contacting  Wells Fargo  and they saw the mistake but refused to correct it. On   XXXX   I disputed it to   XXXX  ,  XXXX  and  XXXX  but it still was not resolved. I contacted them once more on   XXXX   and still nothing has been changed.
Consumer complaint received 2023-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (PA)

My federal student loans were consolidated into a direct loan in XX/XX/XXXX. They were serviced by the now defunct acs. In XXXX they were then transferred to XXXX. XXXX seems to have lost any and all records of my payment history prior to them taking over servicing of the loan. These missing payments have caused me to lose out on a significant refund on my student loan payments as part of the tepslf program. I've tried numerous times to get this information and they tell me there is nothing more to do. I've reached out to XXXX, my congressman and other servicers and this problem still persists. I've been working on getting answers for nearly a year but no one can answer my question, where is the verification of my payments? Please help or direct me to someone who can! Thank you.
Consumer complaint received 2024-02-16
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. (GA)

I am putting XXXX, XXXX and transunion on notice in good honor Before I take the proper steps to Litigation and arbitration to correct themselves and remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance To 15 Us Code 1681A ( I ) Reporting Transaction history and experiences On a consumer report is illegal as all illegally reporting accounts are reporting the balance payment history payment dates the status of accounts which is transaction history In just under that fact XXXX, XXXX and transunion is reporting identity theft with non public information thats supposed to be private According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard privacy Also 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, Creditors above who furnished information to credit agencies has failed to inform me of this right. 

I am giving XXXX, experian and transunion 30 days of receipt to remove all inaccurate accounts off consumer file I will be charging bureaus a XXXX dollars each day Inaccurate accounts stay on report
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I received a check from XXXX XXXX I deposited the check and was told funds would be available in 24 hours. Now Im being told there is a hold until XX/XX/year>. I have all necessary paperwork to prove where these funds are from and that they are legit. So far all Ive received is the runaround with the bank. If they hold those funds until next week I am going to receive an eviction and me and my kids will be homeless and not able to rent in this XXXXXXXX XXXX economy. This is stressing me out and all I need is for them to release my funds even if its just half! If I had known they would pull this I would have cashed my check at a check cashing place, Im so sick of big business and their rules that only affect people of lower stature. I am strugggling and trying my best to do things the right way, but Im getting tired.
Consumer complaint received 2023-08-31
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 have listed the concerns I have about the reporting of these fraudulent accounts. It is not complete and does not meet proper reporting standards. According to the law, the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. This information has been reported several times as I have never opened or knowledge of these fraudulent accounts. Credit bureau continues to falsely report fraudulent accounts under my name.
Consumer complaint received 2023-08-31
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. (TX)

I have listed the concerns I have about the reporting of these fraudulent accounts. It is not complete and does not meet proper reporting standards. According to the law, the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. This information has been reported several times as I have never opened or knowledge of these fraudulent accounts. Credit bureau continues to falsely report fraudulent accounts under my name.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MD)

On XX/XX/XXXX, I filed a complaint ( reference number : XXXX ) regarding issues with my Apple Card, provided by Goldman Sachs . I initially received this card in XX/XX/year> when purchasing a XXXX XXXX. Following that, due to health problems and the loss of my wallet, which included the card and my phone, I faced significant disruptions in managing my finances. My health issues led to hospitalization, including a stay in the XXXX XXXX XXXX ( discharge documents attached ), and necessitated a period in XXXX, further complicating the resolution of my card-related issues. 

After recovering from my illness, I attempted to resolve these issues with Goldman Sachs, but they were dismissive of my circumstances, especially regarding the recent retrieval of my phone. I had found my phone through XXXX, an acquaintance, at a gas station. Despite not having used the card since XX/XX/XXXX and subsequently losing it, Goldman Sachs rejected my dispute. 

My interactions with Goldman Sachs supervisors have been fraught with inconsistencies and broken promises of follow-up calls. I have attached pertinent documents and screenshots of our communications for reference. 

In response to my complaint filed with the Consumer Financial Protection Bureau on XX/XX/XXXX, Goldman Sachs agreed to credit {$7000.00} for disputed transactions within the next XXXX days. Additionally, as a gesture of goodwill, they stated they would credit {$500.00} for XXXX previously resolved disputes in favor of the merchant. However, subsequent discussions with Goldman Sachs representatives contradict this commitment, as they assert that I owe {$4400.00}. This discrepancy is evident in the conflicting screenshots I have provided, exacerbating my mental health issues and distress. 

Furthermore, as documented in complaint number XXXX, Goldman Sachs agreed to credit my account with {$7000.00} for unresolved transactions and an additional {$500.00} as a courtesy, suggesting the complaint be closed based on these actions. 

Monetary Relief Sought : {$7000.00} However, recent conversations with Goldman Sachs representatives post the submission of this response to the Consumer Financial Protection Bureau have been contradictory. They claim that no credit is due on my account, and instead, I owe {$4400.00}, directly opposing the official response to the Consumer Safety Protection Bureau. I have submitted screenshots demonstrating these conflicting communications from Goldman Sachs.
Consumer complaint received 2024-01-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

On the XXXX of XXXX I made an online payment to my citibank Home Depot credit card. According to there website payments made by XXXX  will be posted on that day. Unfortunately I was charged prematurely on the XXXX of XXXX a late fee of {$26.00} because the payment was still processing.
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (MO)

This start with my XX/XX/2024 payment and they mortgage company saying never receded and I provided proof that the funds was taken out of my account and as of XXXX still showing me late for XX/XX/2024. I called the company several times and spoke with different customer service representative and I my feeling since it is not there account no rush or important for my request. Please can you contact someone at that organization to see they will look into in detail and care about there customer.
Consumer complaint received 2023-08-31
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)

This is my complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. I want the Credit Bureaus to fixed this account nor be corrected right away : XXXX XXXX XXXX Balance : {$370.00}.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (MO)

XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Western Funding Inc is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Western Funding Inc, the financial institution, and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Western Funding Inc whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Western Funding never informed me of my right to exercise my nondisclosure option. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of said reporting services.
Consumer complaint received 2023-08-31
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. (GA)

15 USC 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

This is XXXX XXXX with new & updated information about my recent complaint XXXX. President XXXX XXXX & FirstPoint Collection Resources , Inc. still failed to send me proper verification under oath of this alleged debt under oath pursuant to ( 28 USC 1746 ). I am demanding FirstPoint Collection Resources , Inc. to stop all communication immediately once again with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.
Consumer complaint received 2023-06-26
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. (WA)

It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.
Consumer complaint received 2023-08-31
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXX under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX  XXXX, XXXX  XXXX XXXX and XXXX  XXXX XXXX
Consumer complaint received 2024-03-29
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. (IL)

I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/year>, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports. 

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them to legal liability and penalties.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

I opened a new checking account with Wells Fargo 1-2 weeks ago online. The application was approved, I set up online access, made the initial minimum deposit, and have been using all of the features with no problems. I recently got a new phone and updated my phone number on the app to keep my information up to date. 

I received a voicemail today from Wells Fargo stating they needed to speak to me to verify important account information. They called me back one more time within the same hour, I answered, but no one was on the line. When I tried to call back, the phone line said it was closed. Shortly after, I received an email that my account was reviewed and set to be closed in a few weeks. 

I have been unable to get in contact with the Loss Prevention department thats supposedly closed on Sundays, although they called me twice within this very day. I spoke with a customer service supervisor on the phone who had no information about the reason for this email or path to resolution. 

Im more than willing to visit a branch in person to verify my identity and any information needed to keep this account open and in good standing. Wells Fargo has abruptly frozen my account without giving me an opportunity to verify the information they needed. I have outgoing ACH payments scheduled for bills and credit cards, and planned to use this as my main account to receive direct deposits. 

This has been a terrible experience and Wells Fargos business practices are highly unethical. I need a resolution for this issue ASAP, as I now seem to be out of a bank account for no good reason.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I never received any communication regarding when payments were to begin, that payments were to not be made in XXXX, XXXX or XXXX of 2023. I have requested numerous times someone to speak with about consolidation or restructuring my loans to a lower interest rate. I have never heard back.