davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I was supposed to receive a direct deposit from the XXXX  XXXX XXXX XXXX. The next day, on XX/XX/XXXX I discovered my account was closed by Wells Fargo. I contacted them and spoke with a represenative that confirmed my direct deposit will be rejected and be sent back to the sender ( XXXX ) in XXXX business days. On Friday, XX/XX/XXXX I contacted XXXX to see if the funds were returned and they were not. I contacted Wells Fargo to see if they returned the funds. A represenative from Wells Fargo said they are unable to see if the funds were rejected because my account was closed. I asked if there was an account the rejected funds would go into and then be sent out of and the representative said they do not withhold the funds when the account is closed and it immediately rejects back to the sender in XXXX business days. The sender ( XXXX ) confirmed with me they have not received any of the funds back from Wells Fargo. The rep from Well Fargo also said there no is possible way to search where the funds are and there was nothing they can do. It has been roughly 6 days and no one is apparently able to investigate where my funds are. My school still has not received the money back from Wells Fargo and Wells Fargo states the funds were sent out in XXXX business days and there is nothing more they can do. I do not believe this. I believe Wells Fargo has my funds that were sent by my school. They have been extremely unhelpful and rude about this serious matter. It is XX/XX/XXXX and I have yet to receive my funds nor has my school received the funds back from Wells Fargo.
Consumer complaint received 2024-04-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SLM CORPORATION (VA)

i depoisted {$4000.00} into sallie mae XXXX about a year ago, now the total is around {$4200.00} and they have magically deleted my account and wont let me access the funds or the account I have reffernce codes from calling them XXXX and XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I want to bring to your attention an issue regarding the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed that there is an entry related to a bankruptcy proceeding. However, I would like to clarify that the bankruptcy court did not furnish or report any of my private information to any third party, thereby violating my privacy rights under 15 U.S.C. 1681b.

I would like to request the immediate removal of this inaccurate information from my credit report.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that credit reporting agencies ensure the accuracy and integrity of the information they report. The inclusion of this erroneous bankruptcy entry on my credit report not only misrepresents my financial history but also violates my privacy rights.
Consumer complaint received 2023-06-20
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: Resurgent Capital Services L.P. (CA)

Lvn funding. XXXX $ I have attempted several times to resolve this issue with the company. I have notified them through multiple sources that this account is not my account and I have no knowledge of it. I have no contracts verbal or written with lvn funding nor any of it's subsidiaries. Lvn refuse to remove this false item from my report. And it is negatively affecting me.
Consumer complaint received 2023-09-11
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. (WI)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-11
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: Bread Financial Holdings, Inc. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2024-04-24
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: WELLS FARGO & COMPANY (FL)

Trying to buy a home for my family I realize there damages to my credit report. According to the 15 U.S.C 1681 law there should not be no damaging information to my credit report. It is considered defamation to my character. XXXXXXXX XXXX has refused me 1099.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris Law Group (TX)

I am in the middle of buying a house and a judgement popped up filed XX/XX/XXXX when I filed bankruptcy in XXXX I called XXXX XXXX XXXX at XXXX and not get any response... also called an XXXX that states they are in litigation with this company for XXXX  years that they have not gotten a hold of.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Capital One Bank USA. XXXX. Any information to prove that I authorized these companies to pull my credit report. However, I never received anything and XXXX XXXX  is located in XXXX XXXX, LA where I aside and they said it was done online which I never did and they did provide dates.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I am writing to file a formal complaint against XXXX XXXX Bank regarding their repeated inaccurate reporting of late or past-due payments on my accounts. Despite my continuous efforts to rectify this issue, the creditor has failed to update my account information accordingly. 

I have experienced this problem numerous times with XXXX XXXX Bank, and despite disputing the information twice, the account verification has come back unchanged. This situation is not only frustrating but also damaging to my credit history. 

To provide you with specific details, I made payments to XXXX XXXX Bank on XX/XX/XXXX, with the respective amounts of {$110.00} on the account ending in # XXXX and {$96.00} on the account ending in # XXXX. I have confirmation of these payments from my checking account, which ends in # XXXX. Therefore, I can confidently assert that I am not late or delinquent on my payments. 

Despite the evidence of my timely payments, I was recently marked for XXXX as delinquent again by XXXX XXXX Bank. It is clear that there is a recurring issue in accurately reflecting my payment history, and the bank has been unresponsive to my requests for updating the account accordingly. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that XXXX XXXX Bank accurately reflects my payment history. I urge you to investigate this recurring problem and take appropriate actions to rectify the inaccurate reporting. 


Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and ensure fair and accurate reporting by XXXX XXXX Bank. I look forward to a swift resolution of this dispute.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I'm filing a complaint against Experian for violating my privacy and consumer rights. They've breached the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, and Opt Out Laws. 

1. They shared my personal data without my written consent, as required by 15 USC 1681 section 604 ( a ) ( 2 ).

2. I wasn't properly informed of my right to exercise nondisclosure, as mandated by 15 USC 6802 ( b ) ( c ).

3. They reported a Chapter 7 bankruptcy without my consent, violating 15 U.S. Code 1681c ( a ) ( 5 ).

4. Equifax failed to maintain accurate information, as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

5. Equifax reported my student loans without consent, violating FCRA.

6. They didn't adequately provide the option to opt out of reported information, as per 12 CFR 1016.7. These actions infringe on my privacy and break the law.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

This account named JPMCB with the account number XXXX is listed as a charge-off on my credit report, however a balance is still being reported. I never received a 1099-C for this account. This account must be removed from credit report immediately.
Consumer complaint received 2023-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

This company called my office repeatedly for this debt that is not mine. This is a collection for my estranged brother. He had his own lease I was not a part of. I even provided documentation from the actual apartment complex that cleared me of this debt. If I was responsible why would the apartment not ask me to pay? They said on the phone and in writing that this debt is not mine. Hunter Warfield collection company never returned my phone calls or acknowledged the letter I sent them from the apartment complex. This is criminal that they are attacking my credit and my character for something I had nothing to do with. I had an XXXX credit score before they fraudulently put this on my credit report. I am taking legal action.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX 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.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I purchase the monthly for Experian, XXXX and XXXX. I have built my credit up very good in the past year and a half and it reflects well on XXXX website and also XXXX. It even shows experian as higher than actual on the XXXX and XXXX but not solely Experian. Experian has my credit score as extremely low and also the other two bureaus. Its a large contradiction and Experian doesnt reflect correctly as the other two. This costs me big with loans for my business, trying to by a home and the mortgage people purposely use Experian since its always the lowest score so they can have an excuse to give higher rates. Its a sham and it needs to stop. Why isnt the Government helping all of us citizens out to hold Experian accountable for their bad practices and algorithms.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was banking with Bank of America on the mobile app for XXXX and I was locked out of my account, with the only way to get back in being to perform a password reset. On the app itself, in the picture I attached, it says if you know your password that you can log in. When you click the link the app logged me out and if I log back in it takes me to the same page, in an endless loop much like the call I had with BofA. The claim on the BofA mobile app is all I need to access my account is my password. They also required additional personal information. BofA did not oblige by the claim made on their banking app. When I asked BofA to let me into my account, and gave them all my personal information and correct password with text verification, they repeatedly gave me the run around saying in various ways that I need to reset my password. I did not want to do a password reset, and it's in the app, saying in plain text that I can login if I know my password. Why should I have to reset my password if there's no fraud and I know all my information? The claim that all I need to login is my password is misleading and when presented with these facts. They acknowledged that fact and refused to help me gain access to my account. Bank of America is constantly changing their password requirements, and doesn't let customers use repeat passwords. If I change my password and then forget it, I could be locked out of my account. They also required me to enter sensitive personal information that a regular person could have trouble retrieving on demand just to use their mobile app, especially if they're on the go. That's why this a problem. They shouldn't be allowed to set unwritten restrictions on account access, or at should at the very least be honest about their claims. I have a record of my password and account information that I used to log in that I can provide if needed.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

I have an auto loan with Santander for my XXXX XXXX XXXX. As of XX/XX/XXXX I had a payment due on my account. On XXXX the XXXX I was involved in a car accident which resulted in my car being totaled. Both my insurance and I contacted santander to let them know about this issue to prevent any late payments from being reported. My insurance then sent the payment over to them in 2 checks that equaled the full amount of the vehicle. One for {$32000.00} and another for {$2800.00}. The effective dates for these checks state XX/XX/XXXX. I just checked my XXXX credit report and they are reporting that I am 30 days late on my account which is not true!! The account is also reflecting that its open, and thats not true either. The account is paid in full and closed. It doesnt make sense that they were fully aware of the vehicle being totaled, along with being notified that the checks were sent via mail on XX/XX/XXXX and XX/XX/XXXX, and they still report my account 30 days late even after making the effective date for the payments XX/XX/XXXX. In that case that would make me 4 days late at max!
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Upon checking my credit report I noticed an unauthorized inquiry from XXXX XXXX of XXXX on XXXX/XXXX/222. I never gave this company written or verbal permission to access my credit.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX of XXXX  all of my accounts got blocked, when I called to see why they blocked them they said because they did an internal review on me and have decided to not do business with me ever and that they will send me a check with all my funds through mail in a 7-10 business day. When I tried asking why was the reason they closed my account they said they dont know and they hanged up on me. The day after I tried calling again and when verifying my identification they said they couldnt verify me even tho I passed the verification test so I had to go to the bank. I waited 2 weeks to see if they would send me my check and I noticed they didnt, so I went to my nearest Capital One branch and asked and they said the same thing and they couldnt provide me with why they closed my account, and the worker told me it would take 7-10 business days for my check to arrive even thought it was already 2 weeks since they closed my account. Now its over 2 months and everytime I try calling they tell me the same thing that they dont know why they closed it and that my check will come in 7-10 business days, this is truly unfair because all my money is legit and it is hard worked and earned money that I busted my back to get and for it to be taken away from me like that is not fair at all. I just want my money I dont care if yall want to do business with me or not Capital One is a joke just give me my money. Thank you
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX account # XXXX ( Original Creditor : XXXX XXXX ). The XXXX XXXX account was not authorized by the consumer. An investigation into this account on XX/XX/2023 by XXXX XXXXXXXX determined that the consumer did not authorize this account that is showing as " in collection '' status, and issued a credit of {$220.00} to cancel the debt, and remove the account. The account is CANCELED, NO LONGER IN COLLECTION. The debt has been reversed by XXXX XXXX. However, the account is still listed on the credit report has in collection, derogatory, and collection/charge-off. The account has been canceled, the debt has been reversed by the company. Consumer is requesting that the account be removed from the credit report. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a consumer 's account information without their written instructions. 15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (FL)

On XX/XX/2022, our property at XXXX XXXX XXXX was sold. Shellpoint Mortgage, the Servicing Company, provided the Title Company, Landmark Title, LLC, with a payoff amount of {$550000.00}. However, the mortgage statement dated XX/XX/XXXX, depicted an outstanding principal balance of {$380000.00} and a deferred balance of {$39000.00}, a difference of {$120000.00}. The account number for our mortgage was XXXX. 

I solicited the service of XXXX XXXX to recoup our funds but Shellpoint mortgage failed to respond to the Attorney 's letter, demanding an explanation. I called Shellpoint and I was told by a Representative, that they never received my Authorization Letter, granting DSK Law the authority to represent me, which, in-fact, accompanied my Attorney 's Demand Letter. 

Thus, I'm filing this complaint to recoup additional funds due to us if a reasonable explanation can not be provided, for the Payoff amount and other fees. 

XXXX & XXXX XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

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 number : XXXX Account type : Secured Loan Account name : XXXX XXXX XXXX Date open : XX/XX/year> Balance : {$2200.00} Report Number : XXXX