davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MD)

My dad opened an account with XXXX XXXX in XXXX maybe XXXX for my son 's college fund. He deposited {$2000.00}. In XXXX I reached out to the bank that bought XXXX ( Wells Fargo ) and they are telling me the account doesn't exist. How could that be? What happened to the money?
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

XXXX XXXX XXXX XXXX in the amount of {$7000.00}
Consumer complaint received 2024-03-12
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. (MD)

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.

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.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9600.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-12
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. (PA)

Consistently, I've upheld timely payments on this account, preventing any instances of overdue payments. The origin of late payment remarks on my accounts remains unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024 information was provided to Experian with back that a settlement had been reached and accepted by XXXX XXXX and XXXX. As of XX/XX/2024 Experian has failed to investigate the dispute accounts or update the balances. On XX/XX/2024 Experian sent me a notice that the investigation was complete????
Consumer complaint received 2023-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (MI)

Email sent to XXXX XXXX and XXXX XXXX on XXXX : I spoke to XXXX XXXX ( Shellpoint, a division of Newrez ) three times ( XXXX, XXXX, and XXXX ) regarding my loan modification that was supposed to carryover from XXXX XXXX. On XXXX XXXX XXXX told me maybe they're still working on it, but never checked, just guessed. 

Since my loan modification from XXXX XXXX that was supposed to carryover to Newrez, as promised, wasn't happening and I wasn't getting any definitive answers to my questions, I decided to apply again. I haven't received any information or request for information about this, but looking at my account today I see that many documents are being asked of me. All of this information/documents should have already been given to you from XXXX XXXX. I shouldn't have to begin the process again when I already completed the XXXX XXXX with XXXX XXXX and was approved for a loan modification. Newrez is supposed to legally honor the loan modification that was approved by XXXX XXXX before being transferred to Newrez. 

I received a letter from XXXX XXXX, Newrez Compliance Department, dated XX/XX/2023 which states, " Newrez was able to locate the Loan Modification Agreement signed by you on XX/XX/2023. Nonetheless, the copy of the document provided by the servicer does not reflect it was executed before the transfer. Hence, our Loss Mitigation Department has reached out to XXXX XXXX to obtain the original copies and be able to proceed with the implementation of the loan modification. In the event additional information is needed, one of our Loss Mitigation Specialist will reach out to you. '' No one has reached out to me. 

Therefore, I'm thinking I should file a complaint with the Consumer Financial Protection Bureau and the State of Michigan Department of Insurance and Financial Services. I don't understand why I'm getting the runaround. I was told that Newrez would honor my loan modification that I completed with XXXX XXXX before being transferred to Newrez. This all feels like a game and manipulation to me. It's a terrible shame that big mortgage companies treat their customers in such a manner. 

I would like to reiterate the reason I initiated a loan modification with XXXX XXXX. In XXXX of this year XXXX, I was diagnosed with XXXX XXXX XXXX XXXX XXXX... ( *I provided details in my original letter ). 

I would appreciate it if you would give me definitive answers as to why my loan modification hasn't been honored and when will it be implemented? I've never been late or behind with a mortgage payment in over 30 years and I would like to keep it that way and a loan modification would help me tremendously.
Consumer complaint received 2022-12-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: I.C. System, Inc. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report Enclosed are the following : A copy of my credit report I received from credit bureau. 

The fraudulent items are marked down.XXXX  XXXX XXXX XXXXI C SYSTEM ( Original Creditor : 11 XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ) OR EMAIL XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-06-16
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. (GA)

As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my credit union account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, XXXX, and Experian in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. 1681 and plan to take legal action.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello There, I had applied and got the Bank of America Preferred Rewards credit card which has an charge of {$95.00}. In all their Promotional material it says get up to {$200.00} in travel statement credits with {$100.00} towards airline incidents such as seats, baggage etc. Please refer to this link : XXXX XXXX XXXX So I paid {$200.00} for 1 Bag on XXXX XXXX XXXX XXXX XX/XX/2023 for travel from XXXX to XXXX to XXXX for which I didn't get the {$100.00} credit. On calling the customer support and raising the ticket I was informed about the Terms and conditions has a mention on which Airlines are allowed. As an average credit card user, when you look at the above link, there is no mention at all that the travel incidents apply only for certain airlines like there is no asterisk or any other sign. Also in their promotional material there is no mention of any restriction so I didn't look into the terms and conditions. 

Now my issue is that Bank of America is grossly misleading people in believing that {$100.00} credit applies to any airlines in their marketing material with no mention of conditions apply or an indicator like asterisk that it applies to certain Airlines only. How are we supposed to know to check on such fine print? 

I request you to please look into my case and help me with some resolution. 

Thank you! 
XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When Checking credit report I have been made aware from companies that there is a charge off balance on my account that is closed. I have reached out many of times to this company asking for the original signed contract not a copy, Truth and lending statement, and Validation of this charge off amount. No one ever responded. No one can find my information via phone as well as no response to letters sent. I did not consent for the credit bureaus to report this information on my credit report casuing me to miss out on business opportunities from various banks, This is a violation. 15 usc 1681a2, I did not give authorization or permission for XXXX, XXXX or Transunion to furnish this account on my credit report. I am requesting it be removed and pay damages of XXXX each credit bureau for this violation made out to XXXX XXXX XXXX XXXX. We would rather resolve this issue immediately before taking further action.
Consumer complaint received 2023-09-09
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. (MD)

I previously disputed a bankruptcy that is being reported on my 3 credit reports. I reached out to NC Bankruptcy court and they verified that they do not report to the credit bureaus. In a previous dispute, the credit bureaus lied and stated the courts verified the information as correct.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Noticed an unauthorized transaction on my debit card reported it to Huntington they reissued my debit card and disputed the charge. Then they reversed and reapplied the unauthorized charge to my account. I called them again to get clarification what the issue was and why this happened. Agent told me they denied it because it is consistent with my account activity I advised that I dont understand what that means then they asked me did I lose my card I said yes. Then the agent told me they will get it reopened for me. I still dont have a resolution. I will not be paying for a charge I did not make.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I recently received a letter from ConServe yesterday, XX/XX/XXXX, stating that I owe a balance to XXXX XXXX. I drafted a letter today, XX/XX/XXXX,  and sent via certified mail to both the debt collector and XXXX XXXX stating that the debt - in its entirety - is invalid and that until XXXX XXXX produces all documentation asserting the existence of such a debt, that the debt is invalid and not to be pursued as outlined in the FCCPA and FCDA. 

However, I have been receiving calls nonstop from ConServe since XX/XX/XXXX, and they are beyond harassing and aggressive. This is a violation of the FCCPA and FCDA, which state that if a person contests the existence of the debt, that the debt collector is not to pursue the collection of the debt. ConServe has no regard whatsoever for federal law and Florida state statue, and their behavior and relentless tactics is reprehensible at best and at worst illegal.
Consumer complaint received 2021-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

I have done everything possible to get my XXXX money from this company since XX/XX/XXXX. It now XX/XX/XXXX. I have been filing my weekly claims and the money has been going on to the card every week for almost a year but I still do not have access to my money because I still have not received my ReliaCard in the mail. It says they sent it out last year in XXXX, but it never came because I moved. I changed my address on my account, I got my address changed on my driver 's license, I have called every number possible to verify my identity with ReliaCard as well as verified my ID on their website by taking a picture of my driver 's license and a selfie, more than several times. Still nothing. I am about to get evicted from my home because I am so behind on rent as I have been waiting months to get my XXXX money to get caught up on bills. This company is extremely unprofessional and I believe it is fraudulent. I am not the only one having this problem, I am one of thousands of XXXX  who still have not received their XXXX money whose life is now in shambles because they have been relying on this money to get by! Please help!!!! I just want them to mail me my new ReliaCard with the account unlocked so I can access my money and keep my home!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I previously disputed a bankruptcy that is being reported on my 3 credit reports. I reached out to NC Bankruptcy court and they verified that they do not report to the credit bureaus. In a previous dispute, the credit bureaus lied and stated the courts verified the information as correct.
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. (VA)

On or about XX/XX/2023. I attempted to use my credit for household purposes and was declined. When I audited my credit report after the embarrassing moment, I found the following transactions that where not made or initiated by me. I never gave written consent to the following companies Experian, XXXX, and XXXX to furnish this information on my consumer report. 

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 I've included a copy of a Identity Theft Report, screenshots of the accounts reporting on my consumer report, drivers license for identification and mortgage statement for proof of address.
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CA)

I recently checked my credit report to notice that there was an American Express account that was opened under my name with a address in XXXX XXXX, CA that I have never been affiliated with. 
Opened : XX/XX/2022 Balance : {$12000.00} I called Amex fraud department but I have yet to hear back from them.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Over the course of the last week, my credit score dropped XXXX points on XXXX  The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at XXXX He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.