davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

I have every day checking account from Wells Fargo ending in XXXX. I wanted to close this account to consolidate all my accounts. Called the toll free # at around XXXXXXXX XXXX. I told them to close the account. But they said that there is a pending transaction and i need to call them again. 
I told him that I can 't call again as there is a significant wait time on phone lines and i have a full time job - so he can make a note on the account which he refused. 
I said that give me a email id or fax # - i will fax it ... .but i can't call. 
They don't have a fax # or email for account closure
Consumer complaint received 2023-06-29
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. (NY)

I was hit with XXXX that why I was late on my account with XXXX but you can see my records are clean I was never late on the credit report
Consumer complaint received 2024-03-22
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. (NC)

XXXX XXXX XXXXXXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

CBA XXXX is currently reporting an alleged debt that they state I owe. The debt seems to be for services rendered from a medical service provider. I have requested validation of said debt and was sent a one sheet of paper that provided no significant information. I am on my third validation request from them w/no luck. 

They are located in Georgia however I can not find them on the Georgia Secretary States. I can not locate a registered agent for this company.
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  and TransUnion violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave Transunion or XXXX  any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction that I am complaining about.
Consumer complaint received 2017-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OR)

On  XXXX   XXXX ,   XXXX  , around  XXXX , I called to close my  Wells Fargo  checking account. I was surprised that all I needed was the account number and the last  XXXX  of my social. Those  XXXX  numbers do n't provide very much security to my account. An identity thief could easily get access to them. I would have expected verification of address/phone number, full social, mother 's maiden name, and maybe online account password. I did n't even need a pin.     I did want to close my account, just want people to be aware of the lack of security with  Wells Fargo.
Consumer complaint received 2021-07-07
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. (UT)

XXXX XXXX is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called XXXX XXXX to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I have made more than my monthly mortgage payment since before Select Portfolio Servicing , Inc. has been collecting on my mortgage. The corporation 's " payment coupon '' has sections to direct application of the payment, including a category for any " Additional Principal ''. Each time I make a payment greater than the required payment I have directed, on the " payment coupon '' the amount to be applied to the principal balance. After the first time I have also written the payment application direction under the " memo '' section of the lower left hand corner of my check. I have always been current on my basic payment, including interest and escrow portions of the payment. 

My payments for XXXX, XXXX ( {$1600.00} misapplied ), XXXX, XXXX ( {$780.00} misapplied ), and XXXX, XXXX XXXX {$730.00} misapplied ) were all incorrectly applied. Select Portfolio Servicing , Inc. has ignored the direction on the " payment coupon '' and my checks and has applied my excess payment to a pre-payment of interest and/or escrow for the future month. Select Portfolio Servicing , Inc., has not earned the interest, nor is it entitled to the escrow payment, at the time it received my payment. Further, by employing this procedure they are keeping my principal balance artificially high, thereby if not corrected, would ultimately charge me more interest than that to which they are entitled under the contract. 
In each instance they have done this I have caught it and spent hours both on the phone and in mailed correspondence with them to have the accounting corrected. I have made repeated pleas to ask the account representative, with whom they chose me to deal, to ask the management to correct their procedures. The explanation I have received is something SPS. Inc. calls " Payment Logic '', ignoring the " Payment Coupon '' they have printed on the lower half of its statement. I have threatened to make a complaint and on this third event am now making this complaint. 

The dollar amounts for any one month for one mortgage are not hugely significant for any one contract but if this is happening to multiple mortgage payors over a significant amount of time, Select Portfolio Servicing, Inc. could be cheating consumers out of a large amount of money. 

They have corrected the error each time but it has required close review of my statement, at least two phone calls on their phone tree regulated system, wait times and call backs. I have had to write detailed letters, sort through complex spreadsheets from them to confirm the accounting was corrected. This can be fairly complicated math because each misapplication of a payment to principal affects all current and future interest calculations.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NC)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
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. (NY)

I am highly upset with the car 's. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a coronavirus pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of this immediately. There has been information published on a consumer report that I never gave either company ( XXXX, XXXX, Equifax & XXXX XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. The companies in question for the alleged debt are as follows : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  XXXX  4 ) XXXX/XXXX  5 ) XXXX
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aargon Agency, Inc. (CA)

I had medical debt that was put in collections and when I requested a validation of the debt ; they sent me documents containing my medical records. This is a huge violation of Hipaa, so I demanded that the collections be removed from my credit report because of damages, but they never responded so I am now reporting it to the cfpb.
Consumer complaint received 2023-05-10
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. (GA)

My problem is with the credit reporting agency Experian. Experion is not including any of the credit I have on my credit report. This has negatively impacted my credit score. I have contacted creditors to ensure that they are reporting to Experian. My mortgage company sent a letter stating they have been reporting to Experian. The mortgage company stated in the letter that they contacted Experian to ensure the information was being received. Experion stated they had received the information, but they had an identity verification concern, and I would need to contact them. 

I attempted to contact Experian to resolve this issue. However, all I got was an automated telephone menu. There is not option for the issue I am having. There is no option for the general public to actually talk to someone in an effort to resolve issues. I feel this is intentional, and an unfair practice. The consumer agencies have total control over one 's credit and the consumer have no real way to resolve issues with them. I wrote a letter of dispute but got no real answer as to why they are not including my credit information that is reported to them on my credit report.

Each time I contact the 3 credit reporting agencies for a credit report, I get the same run around from Experian, about needing more information. Over the years they should have corrected my information. 

There are several companies reporting my credit to Experion and this needs to be resolved. IT IS NEGATIVELY IMPACTING MY CREDIT SCORE.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX I received an email offer from CitiBank with an American Airlines AAdvantage miles bonus when for opening a MilesAhead savings account. The mileage bonus was based on the amount deposited in the account. The offer specifically stated that the funds needed to remain in the account for 60 days. On XX/XX/XXXX, I opened the account and immediately deposited {$50000.00} which related to a XXXX AAdvantage mile bonus. On XX/XX/XXXX, I contacted CitiBank at XXXX XXXX ) XXXX to verify with the representative that I met the terms and conditions because I needed to withdrawal most of the money sometime in XXXX. The representative ensured me that I did meet the requirements and that I would receive the bonus even if I withdrew the money that day. I am sure of this because I asked several times. I then withdrew most of the XXXX on XX/XX/XXXX. I then made several calls during XXXX and XXXX to inquire on the status of the bonus miles. On each call, the representative reiterated that the miles would be credited in XXXX. On XX/XX/XXXX, I called the above number and the representative stated that the miles would be in my AAdvantage account by XXXX on XX/XX/XXXX. I called again on XX/XX/XXXX to open a dispute because I did not receive the miles. The dispute was denied because I did not retain the funds for 90 days. On XX/XX/XXXX, I called to inquire about the dispute and XXXX stated that I did meet the requirements but there are many different offers and they were in error. She also stated that she would send me an email which I never received. I phoned again on XX/XX/XXXX and the representative told me that they did not start counting the 60 days until 30 days after I deposited the money and I did not qualify for the bonus. If this were the case, why didnt the representative tell me this on XX/XX/XXXX? I would have retain the funds for another four days. I had no reason to believe that the funds needed to be there for 90 days when the agreement stated 60 days. I am not able to get CitiBank to address this issue beyond the first level support.
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

To whom it may concern, the following bill that was provided is incorrect. I do not owe any amount of money to cypress grove apartments. I have paid receipts and bank transaction showing I paid my rent every month from XX/XX/XXXX until XX/XX/XXXX right when the apartment complex was sold to another owner out of XXXX fl. I'm a former employee who use to live and work there and i know all the lies and misinformation that XXXX XXXX and XXXX XXXX do as property management. I work with The XXXX XXXX XXXX as the property management company until their services were no longer needed. I had my lease transferred to another property by The XXXX XXXX group as i stayed on with the company when XXXX grove changed hands. please look at the XXXX transactions and bank history provided in the complaint. XXXX and XXXX grove couldnt send in the full lease agreement as you can see only page 1 & 9. where are the other pages? not only the damage information is incorrect, they are not allowed to charge for resurfacing the bathroom and and counter top as that is part of the normal getting the unit ready to move in. i have photos ( provided from my unit when i moved out. XXXX couldnt provide any proof the unit was damage so they dont charge for this so XXXX and all are trying to get extra money out of nothing since i didnt stay on with the company. I gave them my 60 day notice in XXXX which should be in my file unless they took it out but the XXXX XXXX XXXX XXXX XXXX signed off on all my notices. i have all contact information needed for XXXX can call and speak to whomever. This collection should be removed immediately. 

You can have someone at XXXX services to email me with any information that XXXX/XXXX  couldnt provide. i have provided pictures and transaction from the pay site showing XXXX grove.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Closing Date set multiple times. After third try to refinance my house so I could take cash at closing to replace my roof, the company said I would have to repair the leak in my roof and pass inspection. This information was never disclosed as the closing date and documents of the refinancing were downloaded and approved by my wife and the closing date was scheduled. Now they want to change the rules after I already paid the appraisal fee and credit report fee. All I wanted to do was replace my roof before hurricane season, which was completely out of pocket. A manager has still not got back with me on how to proceed. I have been a customer with this company for decades.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

On  XXXX   XXXX , I discovered  XXXX  (  XXXX  ) was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.
Consumer complaint received 2021-06-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (FL)

I am disputing a collection account showing on my credit report from XXXX XXXX XXXX XXXX XXXX in the amount of {$7000.00}, originally from Santander Consumer USA XXXX, which I do not believe I owe this amount. I have disputed this account directly with XXXX and the credit reporting agencies, and even hired a company to assist me with no result. They were informed of my dispute and that I was requesting a copy of the Explanation of Calculation of Surplus or deficiency as proof of the amount they claimed I owed, since I never got a copy from Santander. XXXX continues to report this account on my credit reports and this information is affecting my credit rating and ability to obtain credit, This situation have also created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you in advance for your assistance.
Consumer complaint received 2023-06-29
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. (GA)

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 Account XXXX has violated my rights. Or list of inquiries 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.