davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY (NM)

This complaint is against Wells Fargo Branch located - XXXX XXXX XXXX XXXX XXXX NM XXXX I have a premier checking account with this branch and doing business with them for last 10 years. I had opened CD account ending with XXXX on XX/XX/XXXX in the amount of {$300000.00} at the rate XXXX  %. I also have two other CD in the amount of {$33000.00} with Wells Fargo. The CD was to be renewed on XXXX XXXX. I also have business account with this branch. 
I was visiting XXXX from XX/XX/XXXX to XX/XX/XXXX. I had visited the branch before proceeding to XXXX, and discussed the case with XXXX XXXX ( banker at the Branch ) about giving us relationship rate since we hold premier checking account which was XXXX % at the renewal time on XXXX XXXX XXXX. I was told by XXXX XXXX to send her email from XXXX to remind her about the renewal. I sent her email on XX/XX/XXXX at XXXX XXXX  which is about XXXX XXXX  MST ( refer doc Email from XXXX XX/XX/XXXX ). When I checked my account around XX/XX/XXXX, my CD was renewed with the rate of XXXX % for the amount {$300000.00}. XXXX XXXX never responded to my email till XXXX XXXX with no resolution to my rates requested.. 
I finally, complaint to Wells Fargo complaint team on XX/XX/XXXX, the resolution given was not in my favor instead ( refer WF Complaint and resolution with Penalty ), they asked me that I had to be physically present at the branch during renewal period. Please refer letter from Wells Fargo on CD mature date, it nowhere mentions that I had to be physically present at the branch ( refer CD renewal and withdrawl doc ). The complaint no : XXXX. 
I had to finally go to the branch and withdraw my CD on XXXX XXXX. I paid penalty of {$1500.00} to Wells Fargo, and I also lost interest of XXXX % from XX/XX/XXXX to XXXX XXXX on {$300.00}. So basically what Wells Fargo did to my CD was in the interest of their own, when they were offering XXXXmonths relationship rate of XXXX  %, they didnt do it in my interest. I would ask Wells Fargo which is more beneficial to the consumer XXXX  % for XXXX months or XXXX % for XXXX  months. I think they know the calculation. 
I had meeting with branch XXXX XXXX, and XXXX XXXX during withdrawl of my CD on XX/XX/XXXX and paid penalty of {$1500.00}. When I asked XXXX XXXX and the branch XXXX for a receipt of having paid {$1500.00} penalty, they said they dont have it the system and cant print. So basically there is no paper or XXXX XXXX of any penalty paid by me. I am still waiting for the document which shows penalty paid. Please refer email conversation with XXXX on XX/XX/XXXX requesting documentation, today is XX/XX/XXXX she has not even responded to my emails ( refer doc Email asking doc for penalty ).
Consumer complaint received 2022-11-22
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. (AL)

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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumisha account without my written instructions 15 USC 1681c ( a ) 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following terms 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 1681-2 ( A1 ) 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 2023-06-15
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. (NV)

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 without my written instructions.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FISERV INC. (CA)

Yet ANOTHER account has been opened with MY email address. I believe this is related to several other accounts opened in my name over the last 4 months. I could not get through to the company to submit a formal complaint because I do not have the card issued by the company. 
Whoever this is, is determined to assume my identity through my email. 
So far I have had at least XXXX accounts opened with my email that I have had to go to extensive measures to have my email account removed. 
I would rather find out who this person is in order to put a stop to it because I believe it is a family member. 
This occurance happened on XX/XX/2022 They would have to research by referencing my email address which is XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting 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. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

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 an 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 items of information, other than records of convictions of crime which antedates the report by 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 if the person knows or have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-11-20
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. (FL)

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


E STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( mo ) 281 SW 715 719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX XXXXXXXX XXXX XXXX acct XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (FL)

I have been in foreclosure 10 years, XXXX XXXX are suing me now through assignments of mortgage. I have since found out via the internet that XXXX XXXX who is stamped on my note as an assignment of mortgage from Chase Bank, never signed any notes, nor did he have a rubber stamp. XXXX XXXX in a deposition for another case states he never had a rubber stamp made, he did not sign any promissory notes and that is not his signature. This appears to be fraud by Chase Bank trying to take property illegally... again. Also from my case being filed I have told the courts that is NOT my signature on the note. We are trying to get a rehearing for this case but at this point I feel the FBI need to take a look at this and the XXXX XXXX deposition which I am sending you along with this complaint. My loan is with XXXX XXXX XXXXXXXX series XXXX and has been since I signed for my loan in XXXX, therefore Chase should never have taken this action against me. 
Hoping something will be done to protect both myself and thousands of other consumers losing their homes to fraudulent banks like this. My home is being stolen right from under me in broad daylight and the banks are getting away with it.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (IL)

In XXXX XXXX  XXXX I closed my account with XXXX and paid {$130.00} which was my bill due at the time time. I called XXXX in XXXX XXXX  XXXX and asked what my remaining balance was after closing the account and the representative told me {$310.00} which I paid with the rep over the phone right then and there. In XX/XX/XXXX I received yet another bill from XXXX which I'm not sure why and they weren't able to tell me as I owed them nothing and received letters from them saying I owed {$0.00}. They have now sent a debt of {$110.00} to a collection agency and this is now on my credit report inaccurately.
Consumer complaint received 2023-01-06
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-21
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies XXXX  that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
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)

XXXX XXXX - XXXX This account is being improperly reported, I have disputed this account with XXXX XXXX and XXXX and this account has been removed from my credit report due to not being able to be accurately and thoroughly verified. This is my third attempt to get this account removed from Equifax due to not being able to accurately and thoroughly verify this account. I have received no proof that this account is actually accurate. My FCRA rights has been violated due to the inaccurate information being reported and I will seek legal action per violation if this account is not deleted immediately from my credit report!
Consumer complaint received 2023-01-06
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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. (LA)

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 third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-28
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CO)

I have sent Experian consumer credit reporting agency 3 letters explaining that 20 addresses, all phone numbers were all outdated. They deleted the phone numbers, and added them back on to the report. They deleted only 2 of 20 addresses. I explained to them of all the names they have for me, I only use 2, XXXX XXXX, and XXXX XXXX XXXX. I told them I despise the middle name, and don't use it at all. They changed my name to XXXX XXXX XXXX, even added the full middle name into my account name with no way to edit it. However, they haven't deleted the other names. I asked them to send by mail the method verification, and a certificate of validation, as well as all communication with original creditor. I had already contacted the people with the student loans, original creditor, and the ones who purchased the loan, and taken care of it. Experience has not investigated any of the debts, or sent proof. Yet they're stating these student loan debts are valid. One of the collections is now listed as closed, yet a brand new collection from the same company is also showing up. I was never notified of this company sending the information to a CRA either ( not the first time, or the second time ). I am supposed to be given an opportunity to direct the information, which was not done. Experian hasn't sent what is required to be showing this stuff as valid. The credit reporting agencies have a duty to report only accurate information. Only the names used should be showing, and no one can have 18 addresses. I'm going to sue them, but this is my record keeping submission. I have kept copies of all my letters sent to them by guaranteed delivery.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I was denied trying to open up a bank account and was told to contact ChexSystems to find out that an account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted ChexSystems and XXXX about this issue and have received the same inaccurate results.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

I started working at XXXX XXXX XXXX and opened a account with Citi Bank online so I would have a bank to send my direct deposit to. I had my payroll check direct deposited into this account. It was XX/XX/2024 when the check was posted. I lost my wallet this same day so I transferred the money via XXXX to my XXXX Bank account which is also a Citi Bank Account. The funds where transferred successfully. I then tried to use the debit card and it would not work. I called the customer service line and they told me that the account was put on hold for " fraud '' but could not tell me what the reason for this was. I have called them multiple times trying to gain access to my funds, and they are refusing to do so. They locked both my account and my mothers account down for no apparent reason and will not give access to my funds at all.
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (MO)

On XX/XX/23, the mortgage officer at my bank said I had 4 weeks to shop for other mortgage loans without it impacting my credit. On XX/XX/23, I confirmed this information with two different New American Funding agents. XXXX XXXX XXXX promised she would not do a hard inquiry and that nothing would be reported to credit bureau. I did not give XXXX permission to do a hard inquiry, but she did so without my consent. It is reflected on my credit report and has negatively impacted my credit score. This agent was deceptive and misleading and I feel New American Funding is not being ethical or law abiding.
Consumer complaint received 2023-04-01
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. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1100.00XXXX XXXX XXXXXXXX Balance : {$820.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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: Resurgent Capital Services L.P. (IA)

I have been trying to get this collection off of my credit for months. I have sent in several disputes, and nothing has been done. I have submitted documents proving it is me sending the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (TN)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 sec. 602, which states I have the right to PRIVACY, in addition under section 604A ( 2 ) states that Consumer Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) A Creditor may not treat a payment on credit card account under an open and consumer credit plan as late for any purpose.