davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

I've Sent 4 Letters, stating there are inaccuracies in my report, 3 to the Credit bureaus, and 1 to the creditor. 

Dates XXXX XX/XX/XXXX XXXX XX/XX/XXXX They have never sent me any of the required information and have broken the law the credit bureau have been facilitating this fraudulent behavior which is breaking the law. here 's what I've asked of them and nothing. they have willingly broken the law. 


- The full account number is not listed on my credit report and as from the FTC statement is also breaking FCRA laws as this is not needed for " privacy '' The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be deleted immediately. 

XXXX XXXX compliance being broken. 

incorrect account status showing, charge off / collection which can not be stated on this account it's reporting incorrect and inaccurately.
Consumer complaint received 2020-03-03
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. (GA)

Both of these accounts XXXX XXXX XXXX  XXXX acct # XXXX and XXXX XXXX  acct # XXXX are both reporting on EQUIFAX and not reporting on the other 2 bureaus ... ..you can see the major disparity between the credit scores of all 3 bureaus ... ..EQUIFAX is notorious for breaking the FCRA and not abiding by any rules or laws set in place to protect the consumer. XXXX XXXX should not be reporting ... .it was closed due to fraud and EQUIFAX just recently reported it 30 day late ... .XXXX XXXX is also a fraudulent account that EQUIFAX stated would be deleted per a recent complaint yet they are still reporting in on my credit report, no it is not an active an account but the negative account history on EQUIFAX is still there. BOTH of these accounts should be deleted immediately. I am in the process of retaining an attorney and pursing legal action. I was also a victim of EQUIFAX 's security breach. Please do the right thing and remove both of these accounts. See previous response to CFPB from EQUIFAX in regards to the XXXX XXXX account ... ... it was found to be fraud ... and they agreed that it should be removed yet they never removed it!
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (VA)

Target Card Services suddenly reduced my current credit card limit from {$14000.00} to {$6600.00} even though my account has been managed over many years in an excellent manner. The only reason that my credit card limit was reduced was due to a cancelled payment because of confusion over when my minimum payment was due. I have always carefully ensured that I paid much more than the minimum due over the past 15 or more years that I have had the Target account. I have never missed a payment except for being late one time for my XX/XX/2022 payment by a few days. Once I found out that my payment was a few days late I went on line and made a {$430.00} payment which exceeded what was due. I have been a loyal customer of Target Bank and I have never missed a payment and I have managed my account in a very responsible and timely manner for many years. The decision to make a whole sale reduction of my credit limit by more than {$8000.00} dollars was wrong and careless of the banks ' part. Just because of some confusion as to when my XX/XX/2022 payment was due and my action to cancel a payment because I thought none was due, is no reason to limit my available credit in such a harsh and irresponsible manner and especially to a longstanding, responsible, and loyal cardholder. I want Target Bank Card Services to restore my previous line of credit of {$14000.00} and to apologize for this needless adverse action that will have a negative impact my consumer credit score and status.
Consumer complaint received 2022-12-25
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: Stuart-Lippman and Associates, Inc (FL)

XXXX XXXX credit card is on my credit card, I have contact all three credit bureaus about this, it has been over XXXX, I have not received a response..this account do not belongs to me, I did not open this account..I don't sign any agreement to have this account open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (UT)

HomePoint Financial is my mortgage servicer. The loan number is XXXX. I am in the process of selling this house, and I have a buyer who is going to assume the mortgage loan. 

This is an FHA loan and HomePoint is not allowed under FHA and HUD regulations to impose restrictions on a loan assumption as long as the new buyer is creditworthy. 

HomePoint started the process of the loan assumption, and then today notified me that they intend to sell my mortgage to another loan servicer on XX/XX/XXXX, and that they will not complete the loan assumption. They are permitted to sell my loan, but selling it right now imposes restrictions on my loan assumption and is contrary to FHA regulations that they are obligated to uphold. They are essentially imposing a bureaucratic 36-day delay on the loan assumption process that is untenable. This delay will have serious and unavoidable consequences for me. My buyer will back out, preventing the sale or assumption of my current home, and the rate lock for my new home purchase will expire, making that home unaffordable due to the higher interest rate, and I will lose {$5000.00} in earnest money.
Consumer complaint received 2024-03-17
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. (GA)

I am a natural person, I am a living human being, I have rights under

15 USC 1681. TRANSUNION is governed by 15 USC 1681. And they violated my rig
hts numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TRANSUNION written permission to furnish these accounts : XXXX - XXXX {$6700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - XXXX {$2700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit inquiries unauthorized Credit Plus - Dates : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXXXXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-01-01
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: EQUIFAX, INC. (FL)

I HAVE FILED DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT.ITS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2020-01-16
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lloyd & McDaniel, PLC (IN)

I am getting suied by XXXX XXXX that bought the account they have not show proof they own this or a signed and they sent a bill of sale with no proof they bought my accounts it states accounts so how thst proof of whst they bought the affidavit they sent where say acc number is black out and is false signed the person the wrote it didn't even sign it has another name with out proof contract they own this should be false law suit and against the fdca them trying collect some thing proof they dont own
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute against erroneous information reporting on my credit report XX/XX/XXXX. the investigation was completed XX/XX/XXXX and the results were the item was deleted off of my credit report. One XX/XX/XXXX, the reporting agency RE-INSERTED the information on my report.
Consumer complaint received 2022-09-30
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$8500.00}
Consumer complaint received 2020-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - The funds were transferred utilizing Coinbase 's services in the total amount of XXXX EUR! 
I would also like to point out that on XX/XX/2019 - I filed a dispute with Coinbase. 
The SCAM Broker Story : I was scammed through the company XXXX through a person who calls herself XXXX XXXX. I was promised that they were very credible and professional trading company that would turn my investment into high returns. 
In a few days time, I started investing with them as per their directions. 
My Account Manager from XXXX suggested me to open an account in Coinbase, as money transfer was easier through it and will also cost less. I started transferring my funds from my bank account to Coinbase. 
My Account manager very politely convinced me to share my screen with her to transfer money from Coinbase to their XXXX. As I did not understand all these sophisticated technologies, I did as she said. 
In a few months time, I started demanding profits and was shocked to see their attitude. she completely vanished from all modes of contact. At the same time, I learned this Company is FRAUDULENT from reviews of the same victims like me and I immediately contacted Coinbase and explained my situation. 
Despite all my requests since a month there has been no genuine responsibility shown on their part ( see attached as well ).
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

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.. 

Incorrect Address listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 rep 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I received an alert from my credit file advising that my account was reported 90 days late. Per my credit history, the account was current prior to the 90 day late payments twice XX/XX/XXXX and XX/XX/XXXX ). The account has been reported incorrectly. 

I have attached a screenshot of the incorrect reporting.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Kindly refer to the enclosed document. Further supplementary documentation will be provided within the stipulated timeframe. Closure of this case will not occur until finalization has been confirmed regarding credit reporting. 


Submission Dates for Correspondence : XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ]
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CT)

I had recently been notified that my personal information had been leaked by XXXX, which then prompted me to check my persons credit report during the last week of XXXX and noticed that there were several in accuracies revolving around my Navy Federal Credit Union loan and credit card. More specifically the payment history reported to XXXX and XXXX. There were also issues regarding the status of the account at the time of me checking end of XXXX. I attempted to dispute these inaccuracies through XXXX and XXXX but had no success in having the issue resolved. I recently filed another dispute in a last attempt to have these issues resolved. My credit report in accurately shows that I have no accounts and no payment history. Essentially dropping my score well below what is acceptable to get access to necessities associated with me achieving life and liberty. I hope that this complaint can aid in provoking the speedy remedy of this injury to my persons in regard to this credit report.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Concern I'm stating my recent experience with BOFA. I'm using Bank of America account since 2018 and really satisfied their service .But recently for some security issue with the Savings account I just transferred all my money to XXXX XXXX  . As my BOFA acc balance was low i thought they will charge me XXXX $ maintenance fee per month but i was ok with that. 
But recently from XXXX they were charging me XXXX $ ( Overdraft ) for some auto payment. my opinion is if my acc is having low balance then they should decline the payment. But they were charging like XXXX $ and my overdraft amount goes to XXXX . when I checked my statement then I called them and got to know what was overdraft amount. As a student and a small company employee its really hard for me to pay the extra amount like overdraft. Also I didn't know about that. As its my first time. I requested them to cancel and refund me the overdraft amount and in the future I will maintain the balance. But they refused to do that. 
As a service provider they should give better services for the customer. It was my expectation. As this was the first time they should consider the amount after I called them. If that was my concerned i would maintain the minimum balance obviously.
Consumer complaint received 2020-03-03
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. (AR)

For the past several months I have be in touch with Equifax consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Equifax numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Equifax has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Equifax has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act.
Consumer complaint received 2023-01-05
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. (NY)

XXXX illegal holding my funds for an unsecured credit card ending in XXXX under a so called right of offset which by law doesnt include credit cards. The credit card was supposed to be charged off back in XXXX, I went through a divorce in XXXX that was the caused of my financial hardship during this time I requested a XXXX and was advised to write a letter stating a payment plan and they wanted XXXX or XXXX XXXX back than. and currently displaced homeless due to financial issues. I was in NC XXXX visiting my daughter when XXXX locked me out of my accounts without notice or warning and told me someone was going to get in contact me which no one reached out, I had to find a way to get back to NY and went straight to the credit union to see what the issue was, I was told to call XXXX XXXX XXXX because they was in control of my accounts and when I called them they said they dont have any record of my account. I recently received a phone call from a law office of XXXX XXXX XXXX XXXX, XX/XX/XXXX. I requested information about a judgment or what rights do this credit union have to hold my money in account with allowing me to withdraw draw but I can deposit. I was never notified of the last payment made in the date was the account closed and charged off, and who the account actually belongs too. XXXX XXXX XXXX settled on XXXX XX/XX/XXXX and still reporting {$15000.00} as if it is still an active debt and updating as if the credit card as if its active revolving the dates and month on the credit report doesn't have a correct dates on it which is Manipulating the Statue of Limitations and the account is time barred In accordance with the Fair Credit Reporting Act XXXX  accounts, XXXX XXXX account # XXXX, also account XXXX has violated my rights 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 also state a consumer reporting agency can not furnish a/an account without my written instructions.

ccordance with section 611 ( e ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C.

1681i ( e ), which was added to the FCRA by section 313 of the Fair and Accurate Credit Transactions Act of 2003 ( " FACT Act '' ).! The Commission is the federal agency with primary responsibility for compliance with the FCRA and operates a system for receiving complaints from consumers about possible violations of the FCRA.

The information on the credit reports are incorrect and the amount can not and will not reflect the true, creating unnecessary hardship Please delete these accounts immediately.
Consumer complaint received 2020-03-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

I have been receiving on several instances notice in the mails an attempt to collect a debt from : Midwest Recovery Systems, LLC XXXX XXXX XXXX XXXX MO XXXX XXXX ( XXXX ) XXXX Account Balance : {$650.00} Creditor : XXXX XXXX XXXX XXXX Original Creditor : Clear Loan Loan Date : XX/XX/2020. 

I have no knowledge of this loan. Never applied for any kind of loan. This company accessed my personal information. This colletion was added to my credit history and affected my credit score.
Consumer complaint received 2020-03-03
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. (AR)

For the past several months I have be in touch with Experian consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Experian numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Experian has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Experian has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act.