davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (PA)

Fraudulent Account is reporting on my consumer report that Ive never personally opened with XXXX. 

Account XXXX XXXXXXXX Account name- XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

I have reached out to Citibank credit card customer service to reduce the APR for purchases regarding my account, but have been unable to do so. I have been a client with them for over XXXX  years, never missed a payment due date and have a good credit record background. I believe the APR percentage of 28.49 % is too high for the account. And it should be taken into consideration having it reduced.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX, We are writing to you because Wells Fargo will not let us separate our escrow taxes and homeowners. We built our home XXXX and the loan was sold to Wells Fargo. We then we called constantly to refinance with them on this harp loan at a lower rate to XXXX so we went ahead and closed at this rate. I questioned after the closing why our home was appraised in XXXX at {$170000.00} when our county records recorded and taxed our home value at that time worth {$210000.00}. Anyway we never got a copy of the appraisal Wells Fargo told us that XXXX XXXX gave them that appraisal, I called and received another call back from XXXX XXXX a week later in later XX/XX/XXXX, XXXX XXXX from XXXX XXXX told me that Wells Fargo did this appraisal. Our home is XXXX story home with a full basement XXXX sq ft, lot XXXX, XXXX XXXX originally XXXX bedrooms but we turned XXXX bedrooms to a sitting room and study ( office ). We also installed a full bathroom in the basement now have XXXX XXXX bathrooms. We have remodeled the inside of the home and put fence around the home with new Architectural custom roof in XXXX and had the whole outside of the home painted although most of the front is brick. This is not a home with a value of XXXX. The value of the home is now worth {$430000.00} which went down some lately due to the economy, but we were offered over {$500000.00} to {$600000.00} from Management firms to buy our home but we decline because we love our home.

Anyway they keep declining the escrow separate due to they say our home is XXXX ratio is 93.1 % but it must be below 80 %. I went inside the bank and the Manager XXXX faxed over a copy of the Tax Commissioner showing our house taxed and priced at a higher rate. The escrow taxes went up XXXX but Wells Fargo wanted {$1600.00} which was paid by XX/XX/XXXX and they still increase monthly mortgage to close to XXXX monthly. XXXX of Wells Fargo Executive Office called us today XX/XX/XXXX to confirm that they can not separate the escrow due to value XXXX. I explained that we faxed over correct value of home from the tax assessor, he then states that he will look for this paper and see if this can be changed. We already dealt with another lady named XXXX from Wells Fargo that was not helpful either stated that this issue would be escalated to the executive office. I already contacted XXXX XXXXXXXX to not bill Wells Fargo for our home insurance which we have been dealing with them for over 20 years, they said they will not bill Wells Fargo only XXXX. Because this is not our first home XXXX of Wells Fargo now tells me last week that we can not separate our Home Owners Insurance. We have no rights to correct this issue. We have attached 27 pages paperwork to verify what is stated here. We really need some help on this issue. We have no intentions of not paying our taxes, we just want to separate again the escrow. 

Thanks
Consumer complaint received 2023-02-01
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: Continental Finance Company, LLC (TX)

In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-10
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. (FL)

Account name # XXXX XXXX XXXX Account number # XXXX Account type # Collection Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, 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. 

Account name # XXXX XXXX Account number # XXXX Account type # Rental Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, 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. 

Account name # XXXX Account number # XXXX Account type # Charge Card Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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.
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. (NY)

In accordance with the fair act credit reporting.The list of accounts below has violated my federally protected consumer report privacy and confidentially under 15 USC 1681.Account # XXXX XXXX XXXX XXXX and account # XXXX. XXXX5 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 finding items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 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
Consumer complaint received 2023-03-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MA)

Marcus online bank accepted money transfers from my personal savings account after verifying my account. Then I tried to get money transferred to a linked account and they transferred all my money back to the original account without adequate explanation. They credited the appropriate amount of interest to that account at Marcus and when I tried to transfer money out of my account again they locked their account preventing access. They have no problem accepting my money but seem to put up roadblocks any time I try to get some money back. Unethical behavior for an fdic insured institution.
Consumer complaint received 2023-04-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX was in the process of reporting my Mortgage paid in full and never accomplished the task. I called the organization and they have never responded or never showed paid in full. The mortgage I am fully satisfied with why are they not showing paid?
Consumer complaint received 2023-05-18
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)

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The XXXX CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!
Consumer complaint received 2023-02-07
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Today XX/XX/2022. Equifax is making it difficult for individuals to obtain a copy of their credit report. I passed verification online and was able to create an account and then was unable to log in and was told to call their 800 number. I then went through an automated system for about 4 minutes and finally pressed " ) '' for an agent. The agent came on the phone and I provided her all my personal information and then she stated she had to ask me a security question. which I was fine with. She asked me if I have a home, auto, bank loan who provided the loan the amount of the loan and the payments I make. I told her the only loan I have is student loans and I have multiple accounts. She then asked how much is the loan I told her it's over sixty thousand dollars in loans I do not know the exact amount. I then asked to be transferred to someone else and then the next rep told me I would have to tell them account numbers and amount for each loan I have to verify my identity. I then stated I was reporting them because that is completely outlandish way of asking a person verify their identity. She then stated she was checking the online account and also stated she did not XX/XX/XXXXlocked. but I got off the phone and let her know I was reporting them for withholding my credit report.
Consumer complaint received 2018-03-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION (OH)

I received phone calls from XXXX XXXX, threatening legal action for a past due bill. I was intimidated, so provided my fiancs debit card number because we share a bank account. She called XXXX XXXX, and felt that he was scamming us, so she cancelled her debit card. She asked XXXX XXXX to send a bill, and he sent it in an email. The cover page of the email had a company logo for XXXX XXXX XXXX. Inside the email, it stated it was from XXXX XXXX XXXX XXXX, XXXX. The current creditor was listed as XXXX XXXX XXXX, XXXX. My fianc and myself have received numerous harassing phone calls from XXXX XXXX. He has shouted at her, called her a low life. He calls my family members and tells them theres a case against me for fraud. We both have been threatened with legal action for providing a false instrument.
Consumer complaint received 2016-11-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

My problems began with Santander Consumer USA on XX/XX/XXXX the day I signed the loan contract. I then discover that the dealer ship that did my finance paperwork XXXX put the wrong date that the loan was effective. The put that the loan date was on XX/XX/XXXX which is fraudulent. I tried on numerous occousions to get Santander to correct this but of course they did n't. Fast forward to XX/XX/XXXX thats when I started getting the billing issues. Keep in mind that I never missed a payment and according to the loan contract if i was ever late with a payment the late fee was XXXX for each occurrence. Also the monthly payment amount that was stated in the loan contract was XXXX. In XX/XX/XXXX they have sent me a bill for XXXX almost triple my car payment, In XX/XX/XXXX they sent me a bill for {$560.00} again almost triple what my car payment was supposed to be. As you can see in the statements i keep sending in my regular car payment but I never got proper credit for it. I called them on numerous occousions for them to correct the issue but they never did. The billing situation got so bad that i was forced to let them come get the car you will see this in the billing statements. After the voluntary repossession which happened on XX/XX/XXXX they did not send any of the required documents via certified mail that i was supposed to have received. Occording to North Carolina law i was supposed to have received a certified notice to how many days i had to pay off the vehicle before it went to auction, never received that. Also after they auction off the vehicle i was supposed to received another certified notice saying how much they sold the car for and how much i still owed on the car. Never received that either. So that alone makes this very unethical and possibly an illegal action. After the reposation and the selling of the car i would get harrsing phone calls non stop on a daily basis from Santander saying one day I would owe XXXX on the account then the next day they claim I owed XXXX and so on so. The amount they claimed i owed was very inconsent.
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NJ)

dispute is about Sears credit card who is owned by Citibank. Sears credit card # XXXX. Sears claims that I have not paid my bills for XXXX, XXXX, XXXX of 2015 of which carries a late fee and a processing fee for each month. I was XXXX informed of non-payment when I received harassing phone calls from sears/Citibank 's collection department. I received these calls starting XXXX XXXX, 2015. But, since XXXX 2015, I have not received any bills from them either by email or regular mail. I am more than willing to pay but I want the late fees removed because I never received their bills. They accused me of changing my email. I have the same email for over 15 years. They accused the postal service for non-delivery of mail. I 've been living at the same address for over 40 years. They informed me that the only way a late fee can be removed is by a manager 's OK. I asked them for a manager to call me to resolve the matter. The only person I was able to contact who is not a manager but who did absolutely nothing is XXXX XXXX at the Citibank 's Response Unit. No manager has ever called. To add insult to injury, I have a Citibank credit card ( unrelated to sears ) and I get email notifications and regular mail with no problem. I 'm just frustrated trying to resolve this.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing this letter in regards to the XXXX XXXX account on my credit file # XXXX. The payment history for this XXXX XXXX # XXXX reflects the month of XX/XX/XXXX reported as 60 days late on Equifax, 30 days late on XXXX and 30 days late on XXXX. The payment history also reported the month of XX/XX/XXXX as 90 days late on Equifax, 60 days late on XXXX and 60 days late on XXXX. This is inaccurate and places into question which credit bureau is reporting the correct information, there is no way you can be late 60 days and 30 days in the same month. Also, late payments can not be legally verified without furnishing a copy of the creditors bank statements to show proof of missing or late payments. I am requesting a copy of the bank statements from XXXX XXXX for the account # XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. If you can not furnish legal proof of missing or late payments via their bank statements and provide them to me, then I am requesting you update this account to paid on time, never late for the months of XX/XX/XXXX and XX/XX/XXXX due to inaccuracies and false reporting. Please keep in mind that in XXXX the New York State Office of the Attorney General and the CFPB have sued XXXX XXXX for hiding the true cost of credit, setting up borrowers to fail and closing its eyes to harmful practices against consumers.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo approved mortgage deliberately on a few investment properties without the due process of checking documentations and qualifications, which drag me into foreclosures. I realized that I was absolutely never qualified at that time, based on my income and overall financial status. Bank offered me mortgage with no documents, no credit check. I believe this kind of act is illegal for any financial institutions. As a result, I lost so much money of my hard-working life savings.
Consumer complaint received 2023-04-15
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. (GA)

I did not provide TransUnion with written permission to report any of these accounts that I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( 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 instructions of the consumer to whom it relates.

This leads way to identity theft.

The definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did not provide a company with consent to share my credit card ( ID, SSN, etc ) with another entity ( TransUnion ) this is a violation of 15 U.S. Code 1681s-2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I applied for credit so that I may have funds as I am going thru XXXX.  My credit report from XXXX  and transunion were embarassing and incorrect.  XXXX was accurate and contained information the was true and correct.  I contacted XXXX and transunion and asked why my credit report did not reflect 14 past loans and 4 current loans with 2 current revolving credit cards,  I have banked with XXXX XXXX XXXX XXXX XXXX for over a decade and have never been late nor missed a payment.  I was told that my information was on their system but nobody could see it because the bank refused to pay their fees.  But at the same time if something negative appears they have no trouble reporting that.  there is a 150 point difference between my XXXX report and my transunion and XXXX report.  when I tried to resolve this problem with XXXX and transunion they would not discuss this with me.  This started in XXXX of 2016 with no explanation of why my credit score dropped 150 points in 1 day.