davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I stopped payment on check number XXXX onXX/XX/2023 at XXXX XXXX It was a bill paycheck from Bank of America for {$11000.00} to XXXX XXXX XXXX XXXX XXXX. The bank cleared the check on XX/XX/2023. One of the bank'e employees reversed the stop payment on XXXX at XXXX XXXX EST which allowed for the check to be cleared. 

XXXX XXXX XXXX XXXX XXXX says that they did not cash the check. So there are 2 issues. The agent at Bank of America who reversed my stop payment is what I am addressing in this complaint. The person who fraudulently cashed the check is another issue that can't be addressed through this complaint. 

I filed a complaint with XXXX in the check fraud department with bank of America at XXXX XXXX XXXX. 

Bank of America cleared a check drawn to a completely different individual and address than what I indicated on my bill pay check. This is egregious and outside Bank of America 's scope as a fiduciary. This had to be done by a BOA employee.
Consumer complaint received 2024-03-17
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. (NJ)

I noticed this unfamiliar accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit file. It does not belong to me so I made phonecalls and wrote letters to the companies referenced on the account from Experian bureau 's information. All the company representatives I spoke to couldn't verify my association with the account by my name, date of birth or social security number. All agree the account couldn't be mine because it's unverifiable. I informed Experian bureau of my findings but they are still saying it's verified and won't remove it, even though the account is inaccurately and unverifiably reporting.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. { Account XXXX XXXX XXXX }. The late payment is only showing on 2 CB reports which prompted me to investigate because I was never late. I wrote letters to the CC with no response. On XX/XX/XXXX I called and spoke with XXXX regarding the dispute who advised me although it was reported in error, he is unable to update the account as they only have the ability to make updates going one year back. 

This late payment has been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 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 noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Consumer complaint received 2024-03-17
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)

The Experian Credit Bureau has improperly used incorrect information to obtain information. That is a complete violation of my rights. They must get consent from me to inquire information. 

The addresses XXXX XXXX XXXX XXXX XXXXXXXX and None XXXX XXXX are inaccurate addresses.
Consumer complaint received 2023-05-06
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. (VA)

I have tried to fix this problem on multiple occasions. It seems nearly impossible to get any assistance from XXXX on the matter considering I can not get a real person on the phone. I have called the other agencies but they still havent taken everything off, I have filed a complaint about fraudulent information be reported on my consumer credit report and it seems that some of it is still on my report.I would like the following items removed from my consumer credit report... 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These are 2 hard inquiries that was supposed to be erased as well... 

XXXX XXXX XXXX Also, I have never given any permission to report late payments for this account and this account has been charged off as of XXXX of XXXX. 

This is a violation according to 18 USC 1681a section 2
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Hatfield, Inc. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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
Consumer complaint received 2024-03-17
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. (WI)

After sending this company several disputes they still continue to report the derogatory information on my credit report. They are reporting a charge off from XXXX XXXX XXXX in the amount of {$29000.00} account number XXXX. 

According to the IRS publication 4681, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the XXXX form. The IRS treats the cancelled debt as income that needs to be reported on your tax return. Income is not to be reported as debt on a credit bureau. 

This also violates my privacy according to the Violation of Privacy Act of 1974. May I also add that it is illegal to report transaction history
Consumer complaint received 2023-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

XX/XX/2023 Bull City Financial attached a {$380.00} open balance to my credit consumer report. XX/XX/2023 it was reported again. This is not my debt, one reason I haven't had electricity in my name for over 2 years, since living with my girlfriend.
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (CA)

In 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. Account name : XXXX # XXXX Amount {$2400.00} Account name : XXXX XXXX XXXX XXXXXXXX Amount {$3500.00} Account name : XXXX XXXX XXXX XXXX Amount {$4900.00} Account name XXXX XXXX XXXX XXXX XXXX Amount {$11000.00} Account name : XXXX # XXXX Amount {$9300.00} Account name : XXXX XXXX XXXX Amount {$11000.00}, 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate. --
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX - XXXX
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Last month I received a drop in my credit score because of a collection from XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX randomly showing up on my credit report. I wrote a letter for this agency to provide me with a contract that has my signature. It has now been over 45 days and i have yet to receive anything. I have no knowledge of this account and i demand that it be remove from my credit report.
Consumer complaint received 2024-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (UT)

When UWM paid my annual real estate taxes, they processed 3 transactions. 1 of these was for the correct amount, the other two were errant, sending through 2 additional tax payments for unknown reasons. I have been unable to recoup those payments to this point despite contacting them 5 times over a 3 month period.

Correct Payment : {$2500.00} ( confirmed with my local tax assessor and matches my tax bill ) Errant Payment XXXX : {$4600.00} Errant Payment XXXX : {$2400.00} Total amount owed to me : {$7100.00} XXXX initially messaged them through their secure system on XX/XX/XXXX notifying them of the errant transactions. I received a response about a file they could not open and nothing regarding the complaint, I'm not sure what the representative was referring to so I opted to try calling them. 

I made calls to UWM attempting to resolve this and get a refund on : XX/XX/XXXX XX/XX/XXXX ( XXXX calls ) XX/XX/XXXX XX/XX/XXXX The XX/XX/XXXX call was the first to acknowledge that they had finally confirmed the error and would be refunding me the additional payments. Each time I called, they could never give me clear dates or how long it would take to process, they simply told me they would reach back out to me ( never once happened ). I called to check in on XX/XX/XXXX and the representative said it would take until end of XXXX to recover the funds as they had sent them to a clearing house for processing where they got rejected as an overpayment. 

Today is XX/XX/XXXX, and I have been owed {$7100.00} for over 4 months. This was a very clear and obvious mistake by them and it is not small amount of money. This is incredibly concerning and unethical that a company this large is unable to immediately address the situation and refund the money like any normal business would. If you make a mistake of this nature and overcharge a customer, you fix it immediately, you don't make them wait 4 months.
Consumer complaint received 2024-04-07
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. (TX)

XXXX, Transunion, & XXXX were notified of accounts that were inaccurate and a request of validity was mailed to them twice XX/XX/2023 & XX/XX/2023. As of today my credit report is still the same and these bureaus have failed to respond and investigate my dispute.
Consumer complaint received 2024-03-17
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. (WI)

I have sent several disputes to this company regarding a charge off from XXXX XXXX XXXX in the amount of {$30000.00}. Account number XXXX According to the IRS publication 4681, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the XXXX form. The IRS considers canceled debt as income and income can not be reported as a debt on ones credit report. 

This is also in violation of my privacy according to the Violation of Privacy Act of 1974.
Consumer complaint received 2023-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I checked my credit report and found some hard inquiries on there. I've never applied to any of these companies I found on it. I called one company tried to explain I don't have an account and I got hung up on. That was rude. Called back and I was put on hold for 20 mins. So I disconnected the call.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (MS)

I had a checking account with Wells Fargo from XXXX, and was charged a monthly fee several times despite making enough transactions throughout the month, I was also charged overdraft fees several times when I had funds in my account to cover the transaction.
Consumer complaint received 2024-03-17
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. (NC)

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. Listed below It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (CA)

I sent a dispute to credence as I denied any ownership to this account they claim is mine. There was no investigation and they reported to my credit report any way. I never had XXXX and filed a claim with federal trade commission as well.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I tried to open a checking and saving account with XXXX XXXX XXXX XXXX and was denied. The reason I was told n shown in the denial letter is derogatory information about me on my credit report from Chex system. I contacted Chex systems as told my XXXX. I was informed there is no derogatory information on my credit report/file and they are not reporting any on my report either. Went back to XXXX, informed them and they told me the same thing, refusing to call or checking with Chexs system to validate the information. Chexs system also sent a copy of my credit report proving there is nothing derogatory I brought this report in branch to show XXXX and I was told the credit report directly from Chexs system was not sufficient proof. Im not sure if Im being discriminated against or being singled out. I went the extra mile to show XXXX that their information is incorrect and was kindly asking them to validate, which they refused. Why is XXXX saying both myself and Chexs system are lying or why r they lying to me that Chexs system is saying/reporting that I have derogatory information on my report?
Consumer complaint received 2024-03-17
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. (WI)

I notified experian through several disputes concerning the charge off from XXXX in the amount of {$14000.00}. 

According to the IRS publication 4681, if a debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the XXXX form. The IRS treats debt as income and income can not be reported on any credit report. 

This is also a violation of my rights according to the Violation of privacy act of 1974.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-07-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

I am having problems with Wells Fargo bank they have taken money out of my savings account with out my permission. I didn't give them any authorization to take the money out of my account. I am on a fixed income and I am XXXX and usually I get {$300.00} out to pay for the utilities where I reside at. Social security sends Wells Fargo my checks directly to my savings account every first and third into my savings account direct deposit. And I am aware of that Wells Fargo bank was sued because they were opening up fake accounts taking people money. And after I told them not to take any money out of my savings account. Wells Fargo took the money out anyway with out my permission and when they took the money Wells Fargo wanted me to pay {$290.00} cent 's to pay for service fees in which I pay my utilities and want to charge me money that I get the money to pay my utilities bills every first of the month. And after I told them that I didn't want them to {$10.00} out of my savings account in which I supposed to have {$84.00} with out my permission took the money anyway.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I called experian, after I had already sent several disputes, and advised them to remove all of the incorrect names and addresses that appear on my credit bureau because they dont belong to me. The representative was very rude and argumentative. I explained to her that if this information is not removed, I will be filing a complaint with the CFPB so here we go. 

According to 15 usc 1681 congressional findings and statement of purpose, ( a ) accuracy and fairness of credit reporting the congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. ( b ) It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. 

Not only is reporting inaccurate information on my credit report unfair, it is also a violation of the Privacy Act of XXXX.
Consumer complaint received 2023-07-09
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. (SC)

In 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 and XXXX to reinvestigate these accounts : Account name : Department of Education DPT EDXXXX Account name : XXXX XXXX  XXXXXXXX XXXX XXXX However XXXX 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. Also 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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

They are plenty accounts that they have no fix ; but these two have been abused being modified and updated to verified. That is a lie. I even sent proof. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This company keeps reporting 120/149 days past due, this account was paid in XX/XX/2020 I had covid 19 and they STILL REFUSED TO HELP AND ITS PAID, The are fraudulent because i am NOT 120 days past DUE they are messing up my credit and I DONT OWE THEM ANYTHING get this late status changed please