davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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)

Experian keeps opening up Disputes everrytime I contact CFPB with new information in the last 60 days Experian Has Only Corrected and deleated XXXX XXXX these practices need to be pubilicflly notted for future Law Suits as Exhibits as well Experian needs to stop trying to sell me services to boost scores etc THIS NEEDS TO BE STOPED IMMEDIATELY
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2007 XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-06
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$530.00}
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. 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 DELETED immediately. 

XXXX XXXX XXXX XXXX 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 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

I have been trying to link my non Wells Fargo account with Wells Fargo through the online bill paying system. I missed the first attempt due to buying a home and missing the deadline. So I called had my account restored and tried again on Sunday XX/XX/2022. What they are doing is making two small deposits into your non Wells Fargo account and then taking the money back. You then go to their site to put in the amounts and date and it links your non Wells Fargo account to their website so that you can continue to pay. They unlocked my personal bank account so that I could try a second time. Yesterday XX/XX/2022 at around noon they made the two deposits of {$.00} and {$.00}. I did not check because I had other things to do. I checked today to find that those deposits had been done but my personal bank account was suspended again at XXXX today XX/XX/2022 less than XXXX hours after the deposits. 
I then called the number XXXX which is on the email they sent saying it was suspended. When I called I was informed that my bank account number was wrong even though I have paid them from it for the last two years and that the bank account was deleted from their system. This makes no sense as I again have been paying with this account for 2 years. I asked for a supervisor and was told that they could see that it was deleted I asked by who and could not get an answer. I still have Wells Fargo 's {$.00} in my account. Lucky for me I am well ahead of my payments but can only imagine that the people who are not will have to go through this and pay late fees that Wells Fargo is essentially creating by not having a working system. If I had missed a payment my credit score would be hit and I would have to pay more money to them. They have continuously showed that they will do whatever it takes to make more and more money and pay the fine that is essentially the cost of doing business. Something needs to be done for those that have inevitably been hurt by this which I can guarantee will be low income families and people of XXXX.
Consumer complaint received 2023-10-06
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. (MA)

I am writing to report and dispute inaccurate information on my credit report with Experian. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and as of the current date, I have not received any response from them. I am providing the details of the inaccurate information and the required corrections below : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$100.00} Issue : This account has never been late. Please correct/update this inaccurate information on my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$580.00} Issue : This account does not belong to me. Please remove it from my credit report.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (KY)

On XX/XX/XXXX I was alerted to changes on my account without my permission. I contacted my bank who told me they would lock the account and escalate the issue as my email, password, and phone number had all been changed. I maintain access now only through XXXX  login on their app. 

A few hours later two charges for XXXX were placed on my account for over XXXX XXXX. I contacted them via their online chat. They told me there was nothing they can do and to call the support number and ask to be transfered to the fraud team. I called, and was told their fraud team does not take calls and will contact me via email. I spoke with a supervisor and they told me they would investigate the chat logs as the person I chatted with gave me wrong info. It has been 3 days. I still have no way to change my account info as it either requires the password that I don't have and if I try to reset it it prompts to text the phone that is not mine or end a code to the email that is not mine. 

I still do not have my XXXX back to even try and transfer to another account so I can pay my rent. I have no heard from their fraud team and I called today XX/XX/XXXX for any updates and they seem to have yet to touch my case. I still can not speak with anyone from their all powerful fraud team, nor can anyone but them help me update the info on my account to prevent this person from further accessing it.
Consumer complaint received 2022-12-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (CO)

XXXX Solar Mosaic , Inc. numerous times with no resolution XXXX. ) Solar Mosaic , IncXXXX paid out the 40 % installment on my loan ( {$8800.00} ) to XXXX XXXX for installing solar panels on XX/XX/XXXX, before the work was inspected by the city ( Inspection Date XX/XX/XXXX, XXXX it did not pass ) and before I approved the payment. 
XXXX. ) The solar company, XXXX XXXX, effectively but not officially, went out of business after Mosaic gave them {$8800.00} from my loan but before the rough or final inspections passed by the city. 
XXXX. ) The evidence for XXXX XXXX going out of business is they did not return my calls or emails starting on XX/XX/XXXX and continuing to today, XXXX, XXXX, XXXX. Now when calling the numbers provided to me by Mosaic ( XXXX or at their previous number, XXXX ), I get this number is no longer in service. XXXX also states XXXX XXXX is permanently closed. 
XXXX. ) I have contacted Mosaic numerous times starting on XX/XX/XXXX, for which they open a case number but then close it without any resolution. ( Complaint cases # XXXX, XXXX and XXXX ). When I called Mosaic on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Mosaic said a specialist will call me within 2 days but I never get a phone call. 
XXXX. ) Since I do not have Permission To Operate ( PTO ) and the company XXXX XXXX is effectively out of business, I am currently asking Mosaic for XXXX things : XXXX. ) To allow me to use the final 10 % payment ( {$2200.00} ) to pay another solar company to get the solar system to PTO to make the panels operational. 
XXXX. ) To give me the photos and documents that permitted them to pay {$8800.00} to XXXX XXXX for installing the panels. I need these photos for the city inspectors to pass the rough inspection. They say it is not their policy to give out these documents.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (SC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-10-06
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. (WA)

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681 - permissible purposes 15 U.S Code 1681 " blockages of information ''. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report.15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2023-10-06
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 am writing to report an issue regarding incorrect information on my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion about the following discrepancies, but as of this date, they have not responded. I am requesting your assistance in resolving this matter. Below are the details of the inaccurate information and the necessary corrections : The account for XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) requires examination due to incorrect reporting. The reported balance of {$390.00} appears to be higher than the balance I remember. Furthermore, your agency has labeled this account as closed, which means the Past Due amount should not be provided for this account. I intend to address this discrepancy directly with the creditor, but I kindly request that your agency report the account as disputed while I work towards a resolution. 


There is an account listed as COLLECTION ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}, Original Creditor : XXXX  ) on my credit report, which is not mine. I request that you promptly remove this item from my credit report as it is inaccurate and does not belong to me.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

There are so many issues with the US Bank Skypass credit card. 

XXXX. This is a XXXX XXXX XXXX XXXX but I can't even purchase korean air ticket due to a weird us bank 's policy regarding fraud detection. 

2. I am trying to use this card for my apartment rent, but it was declined due to a fraud issue. so I called US Bank and told them I was using my card to pay rent for my apartment. US Bank cleared the flag but still can't pay. 

3. I am trying to purchase a grocery shop at XXXX, but my card keeps declining. 
I just called the bank right now ( while I am writing this ) and they said cleared. But still not fixed yet. 

no where to use this card.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I believe the following account is invalid. XXXX XXXX XXXX XXXX  needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the following account to be removed from my credit & their records.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (CA)

I believe the following account is invalid. XXXX XXXX XXXX XXXX  needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the following account to be removed from my credit & their records.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

Comenity Bank/ LNBryant. I paid my XX/XX/XXXX statement in full before the XX/XX/XXXX due date. Comenity Bank access me a {$2.00} interest fee on a {$0.00} balance for XXXX. Unbeknown to me Comenity Bank generated a bill for {$2.00} that was due on XX/XX/XXXX. Mean while I'm thinking that I closed my account in good standing, they are reporting me 30 days late to XXXX causing my score to decrease from XXXX to XXXX. I contacted Comenity bank who informed of the {$2.00} which I paid. They credited my the {$30.00} late fee but once I requested to speak with a supervisor to closed the account. The supervisor tried to explain to me the closure process which I stated was unnecessary They then proceeded to closed the account while reporting the XXXX that the account was delinquent with me owing them {$14.00}. I file a dispute through XXXX concerning the matter. They just reported back to me on XX/XX/XXXX with a result of account being in good standing but yet still showing 30 day delinquency for XXXX of XXXX.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

My account as been restricted since XXXX I have sent in multiple Security appeal forms I have went to the branch multiple times I have also sat with the branch manager who advised me to call security. this process as taken way too long and my funds have not been available to me and I have things to take care of.
Consumer complaint received 2023-09-16
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$100.00}
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA)

On or about XX/XX/XXXX, I XXXX XXXX notified Car Hop of Tacoma by phone regarding a job and playdate change.That my payment on XX/XX/XXXX was ok to take but after that my pay dates needed to change to the XXXX and XXXX. I was told by Car Hop I would need to pay XXXX by ACH on XX/XX/XXXX and that I would have to agree to void ACH authority for payments after this for a period of two payments and agree to pay a XXXX fee for payment by phone for two payments or XXXX. I agreed, and paid XXXX in XXXXwo payments of XXXX and XXXX on XX/XX/XXXX as agreed by phone. Then on XX/XX/XXXX my old payment date Car Hop stole XXXX from my XXXX XXXX account that was not authorized. This is the 2nd time Car Hop has taken an unauthorized payment in less than 1 yr and last time refused to return my money and only offered a credit.
Consumer complaint received 2024-07-23
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. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-10-06
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

This complaint is against following entity BANK OF AMERICA XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I went to XXXX for a project in XX/XX/2007 and from there I moved to XXXX where I opened a savings account with the above-mentioned entity. Due to the premature closure of my project, I have to return back to XXXX. I opened my account with {$250.00}. When I reached BOA for refund of my savings, I was told that there is some problem in their computer system therefore they will not be able to refund my amount immediately. They promised to return it to me later by way of XXXX to my XXXX address which has yet not been received. I have made several communications with them which all went in vein. I have last year couriered them a request letter for my refund but they haven't replied yet.
Consumer complaint received 2023-11-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (IL)

The payoff amount was {$97.00} short. Upstart claims that I did not turn autopay back on after the payoff amount was received, but I contend that I did. They reported the {$97.00} late to the Credit Bureaus. I asked them to remove the late payment report, but Upstart will not do so. I contend this is a glitch in their system. I paid all payments prior to this on time via autopay. I do not understand why Upstart is drawing a hard line on a {$97.00} payment given my history and given that the loan was being paid off in full. Additionally, the moment I was aware of the error I paid it immediately.