davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TN)

He came to my attention that Wells Fargo was no longer to hold it in the course over my account also it came to my attention that money 's were not applied to the account properly so I asked for the full accounting of the account I also asked for the person or the company that was the holder in the course of the account I also asked for all security instruments to be known to me forfeit account and everybody that was involved in or with this account I also ask Wells Fargo to show me that I owed the debt that they were saying that I owed I also asked Wells Fargo to settle this dead and close it to XXXX by sending in the promissory no sign sending in the instruments and Wells Fargo took all of the instruments now that I sent them to pay the account said they only take cash but kept the instruments and never responded anything but saying that they only take XXXX currency as far as cash is concerned to settle the debt on the account but it came to my attention that they also filed cancellations with the XXXX XXXXXXXX a bc and oid I sent then back the paperwork and the note and coupon accepted for value they keep but did not set the account for XXXX the in the mist the put it in action with out notice and sent the notice weeks after.
Consumer complaint received 2023-03-14
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. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct or delete the following items in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
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. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct or delete the following items in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-17
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. (FL)

This is not a valid account for XXXX account number XXXX in the amount of XXXX It is fraudulent. They are saying i got and account and close it the same day how is that even possible with furniture? 
I told XXXX to come pick up there Furniture it took them 3 months. I was sick and couldnt pay and it was really expensive. When the picked up the furniture the next day the created new account in my name with out a signed contract from me and are charging me some fraudulent charges. The credit bureau did not obtain a signed contract for the account the XXXX  fraudulent put in my name. The credit bureau is not protecting my credit report from fraudulent information.credit bureau failed to provide me with signed co tract from the date of the second account, after the initial furniture was picked up. No contract signed contract or any contract matter of fact for this fraudulent account was ever received
Consumer complaint received 2023-03-14
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. (WA)

In accordance with the fair credit reporting act, this credit reporting bureau XXXX has violated my rights.15 USC 1681 Sec.602 states that I have a right to privacy. 15 USC 1681 Sec. 604 ( a ) Sec.2 it also states that a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Will I have to make multiple reports or will you also see to it that the other credit reporting bureaus are also in compliance and are not equally guilty of violating my rights by doing so as well?
Consumer complaint received 2023-03-14
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I am a victim of a fraud, scam, and identity theft. I have been a loyal customer of USAA and XXXX XXXX for almost 30 years. My checking and savings account had several wire transfers of thousands of dollars ( totaling {$500000.00} ). Once the transfer was taken out, the transfer appeared back in my account so I figure all was okay. Despite several, stressful calls to USAA and XXXX XXXX, this issue was not resolved and the wire transfers were/have NOT returned back to my account. Even after they were made aware that I was a victim of identity theft. Someone has use my information to initiate wire transfers and sent my hard earned money to multiple people, and companies I have never heard of. Several other fraudulent transactions, loans, and credit card lines have been made on my accounts. 

List of Wire Transfer Dates : USAA : XXXX XXXX - {$48000.00} XX/XX/XXXX, XXXX {$25000.00} XXXX, XXXX {$75000.00} XXXX XXXX, XXXX - {$30000.00} XXXX XXXX, XXXX - {$30000.00} XXXX XXXX, XXXX - {$30000.00} XXXX XXXX, XXXX - {$25000.00} XXXX XXXX, XXXX - {$47000.00} XXXX XXXX, XXXX - {$62000.00} XXXX, XXXX - {$10000.00} XXXX, XXXX - {$10000.00} XXXX, XXXX - {$10000.00} XXXX XXXX, XXXX - {$9000.00} XXXX XXXX, XXXX - {$5000.00} XXXX, XXXX - {$8700.00} XXXX XXXX, XXXX - {$10000.00} XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX Savings Account : XX/XX/XXXX, XXXX {$50000.00} XX/XX/XXXX, XXXX {$50000.00} XXXX XXXX {$18000.00} XXXX ( Via XXXX  XXXX ) Transfers = XXXX XXXX, XXXX - {$1100.00}, and {$400.00} XXXX XXXX - {$1500.00} XXXX ( Via XXXX XXXX  ) XXXX {$4000.00}
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

I have a public record from your court appearing on my credit report. Ive disputed the item with the credit bureaus XXXX, XXXX, and Transunion- all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

XXXX XXXX XXXX Bankruptcy Im not sure what Legal Authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow, or share any public information with you. Youll need first- hand knowledge because theyre the primary creditor! Remove the report and update it with a new one. 

I have previously disputed this item with you XXXX XXXX Bankruptcy case and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The TransUnion web page ( XXXX XXXX XXXX XXXX for viewing and placing Fraud Alerts on my TransUnion account has been non-functional for more than 6 months. I've called them about the issue and filed a previous complaint with CFPB, but I still can not view, place, or extent our Fraud Alerts on their web site. 

See the attached picture that shows the broken page with screenshot taken on XX/XX/year>. It has been so for more than 6 months for me. 

The company responded to my previous complaint at CFPB saying that the issue was fixed. It is not ; I still can not access the Fraud Alert page.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct or delete the following items in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm hoping that the following disputed accounts will be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (CA)

MY BMW REFERENCE NUMBER : XXXX After my lease ended on my BMW, I purchased my BMW XXXX from BMW Financial on the XXXX XX/XX/XXXX for {$25000.00} They sent through the Bill Of Sale , and the certificate, and also included a letter, an affidavit of correction. They had had incorrectly inputted the mileage. On the Title it says XXXX miles, instead of what was correct, XXXX ( someone had written 7 instead of 1 ). 

When I tried to sell it in XX/XX/XXXX, I was offered {$22000.00} ( the mileage at this time was XXXX ). When I showed them the title, and they saw it read XXXX, they dropped the price to {$15000.00}, in spite of the affidavit of correction. 

I booked in time in at the XXXX to get the new mileage officially recorded for a new Certificate of Title at the first available date : XXXX XX/XX/XXXX XXXX said it can not expedite and it would take two months. 
I have visited the XXXX three times to no avail since to see if they can get it sent through quicker : XXXX XX/XX/XXXX XX/XX/XXXX XXXX As of XX/XX/XXXX, I still do not have the title. 

I am unable to sell my car due to BMW 's error and as a result of this it has and will cost me financially a substantial amount : There will be a depreciation in value of the car I have had to pay an extra six months of insurance ( so far! ). 
I will have to renew my registration I have spent time going to XXXX and to the XXXX. 

I emailed BMW financial and they replied that it is not their responsibility.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX  Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX  Balance Owed : {$65.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX  Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$29000.00}
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm hoping that the following disputed accounts will be removed immediately : 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 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

on XX/XX/year> - I made a payment to my credit card account with Capital One - I was informed in the app that my account was restricted, so I called in and the automated system informed me that the account was closed much to my surprise - My address, phone number nor email have changed, but yet I got no notification prior that the account was being closed. 

On XX/XX/year> Capital one informed me that they never received my deposit to open the account, However, They infact did.
Consumer complaint received 2023-03-14
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-08-14
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. (LA)

I have filed several disputes against items on my credit that are inaccurately there. Payday loans, XXXX  XXXX XXXX, a couple store credit cards and an old XXXX bill that was sent to collections that I disputed directly with the company.
Consumer complaint received 2016-09-20
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (VA)

I am filing a complaint regarding an International Bank Wire Transfer. 
On XX/XX/2016, I directed my bank ( Citibank ) to Wire Funds to a colleague in XXXX. The funds were not deposited into the account identified in my bank wire instructions. I notified my bank of the missing funds within 72 hours and they have attempted to contact the recipient 's bank ( XXXX ) thru the XXXX system for information on the disposition of the funds. 
XXXX has failed/refused to respond.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In XX/XX/year>, I went to the Bank of America website to update the bank account from which my autopayments are withdrawn. I added the new bank account, and deleted the old bank account, and verified my new bank account. The website said I was good to go. 

A couple of weeks later I happened to notice that the autopay did not go through, even though the new account showed as " verified. '' I called customer service. They said that " sometimes '' autopay gets turned off when changing outside banks, but not always. It took close to half an hour, with the agent on the phone, to figure out how to turn autopay back on. During this same call, I also went ahead and electronically paid the total balance due - but the system wouldn't let me make payment by the due date. The customer service person said they could not pro-actively remove any late fees or interest. 

A few days later, interest charges and a late fee of {$25.00} were applied to my account. I called again, and BofA then reversed the charges. This agent said that changing outside banks " always '' reverses the autopay enrollment, and that it can take up to XXXX days for the new bank to be confirmed. 

The problem is that there is a lack of transparency about this on the website. If changing payment accounts " always '' triggers a need to re-enroll in XXXX, the website should clearly state that, and then make the re-enrollment process easy. Neither of these was true. By not having the " change bank '' steps clearly outlined BofA is able to collect a bunch of extra fees and interest charges. It seems fraudulent - don't provide all the information, make something difficult, and then collect fees. 

In my case, I had an extra hour to make XXXX calls to customer service to get the refund. But I'd bet many people don't have the thought to do that, or just don't bother. It seems wrong.