davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am a business owner who has been operating a multi-million company for XXXX XXXX plus years. I take great care in protecting my credit rating and personal finances. 

The three credit reporting agencies ; XXXX XXXX XXXX XXXX, Experian XXXXnformation Services and XXXX XXXX Relations unfairly harm my credit rating with their credit check scoring and credit points reductions. I get scored and held to the standards of a typical individual consumer. 

As a business owner I have regular and now during XXXX entities pulling my credit. Some are authorized to do so and others are not. Here are examples of who have pulled my credit... 
A. My business banks for Lines of Credit and Term Loans B. The Federal Small Business Administration for PPP Loans and EIDL Grants. 
XXXX The NJ XXXX XXXX XXXX XXXX XXXX that I buy products from for resale in my business. 
E. Various mortgage companies over the last year when I was making offers on a new home as prices were escalating and rates were falling. 
XXXX XXXX mortgage broker called " Guaranteed Rate '' that was asked about a construction loan and a conversion to a regular mortgage that did a hard credit pull and then told me that they don't do those types of loans. 
An finally XXXX XXXX XXXX Credit Card who out of the blue did an unauthorized hard credit pull. 
My score is over XXXX. However, if this category of credit score contribution can not be used in a fair and equitable manor, it should be eliminated.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021 I received a text from what was supposed to be Wells Fargo stating " WELLS FARGO BANK has an urgent message for you to receive a call about unauthorized transactions please reply Yes. '' I then went to my online banking and logged in to see that there was in fact a XXXX cent transaction on my account from a different state ( OK ) .... ( I live in TX ). After seeing that I actually had a fraudulent charge on my account I replied YES to the text. I then received a call from someone claiming to be XXXX XXXX with Wells Fargo and gave me a badge # XXXX. She told me that there had been ( XXXX ) seperate fraud attempts via zelle to my savings account ( XXXX for {$1000.00} and XXXX for {$2500.00} ) and she was going to walk me through how to reverse the charges. She knew every step on the Wells Fargo site. She did not ask me for any personal information but instead had me log into my account and then she walked me through steps to supposedly reverse the charges. Towards the end of the call I started to realize by something she said, that something didnt seem right about the call. I then left work and went across the street immediately to the Wells Fargo branch at XXXX XXXX XXXX XXXX TX XXXX and set down with a banker named XXXX XXXX ( XXXX XXXX ) Her phone number is XXXX and her email is XXXX. I told her what happened and she immediately closed my savings account and reopened me another one. We sat at her desk and were on hold for almost 45 mins to file a claim. I was given claim # XXXX and was told I would hear something back regarding the claim within 10 days. On XX/XX/2021 I called XXXX and was on hold for almost 2 hours. I was transferred XXXX different times to 5 different people to finally get told that my claim for {$3500.00} had been denied and there was nothing more they could do for me. I have been a customer of Wells Fargo for over 30 years and they did nothing at all to help me recover the fraudulent {$3500.00}.
Consumer complaint received 2023-12-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

Whenever I get an Amex gift card I can never use it anywhere online and it is very frustrating! I cant use to on food, XXXX, XXXX, none of that!
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We paid in advance for a large purchase ( > {$20000.00} ) on XX/XX/2021 that had been charged to our Bank of America ( BofA ) credit card. We wanted to be sure that it was paid on time without any late fees, interest etc. BofA then made an automatic payment of another > {$20000.00} on the due date of XX/XX/XXXX. This caused our checking account to be over drawn by about {$16000.00} and required us to move funds from an interest bearing account so we wouldn't have continuing overdraft charges. When we called Bank of America on XX/XX/XXXX we were informed that we should have stopped the automatic payment because BoA withdraws whatever the due amount was on the statement regardless of any manual payments. [ This is an unethical practice that could be easily fixed by changing the computer code that does the payment processing. ] Anyway we requested that the overpayment be refunded. We were told that it would be done but that it would take 2-5 business days. We called BofA again on XX/XX/XXXX since the 5 business days certainly had passed and were reassured that the refund was being processed. We were told we should receive the money in a day or two. On the XXXX of of XXXX we went to a local BofA office to talk to a person face-to-face. She called someone who was supposed to call us back the same day to confirm it but never did. We then called the BofA XXXX number again. The person we talked to there asked for our bank account information and sounded as if she was going to initiate a refund immediately. She then told us that a complaint was being processed so she couldn't put in another action. I then requested to speak to a supervisor ( XXXX ) who GUARANTEED me that the money would be in our account on XX/XX/XXXX which she claimed was the 10th business day since we had requested the refund. A check of the records on XX/XX/XXXX showed no change on the Bank of America account and no refund in our checking account. We went back to the local office on XX/XX/XXXX. The associate we had spoken to on the XXXX again called the XXXX number. She was told that the refund had just been approved on XX/XX/XXXX and the refund should take 24 -48 hours. We took that to mean the money would be deposited in our account sometime over the weekend. Today XX/XX/XXXX, the 1st business day after XXXX, we still have no refund and were told by the local BofA manager that it could take 2-3 more business days to send the refund. 
How long can a bank legally withhold overpayment funds? Is this a scheme to keep our money as long as possible to use it for investments? Our patience has obviously worn thin. Even IF and when we get our $ 20,000+ back, our recommendation to friends and family will be to AVOID Bank of America XXXX
Consumer complaint received 2021-12-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-12-16
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. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 
Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2023-07-31
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I bought an old car that I paid more than 30 %. 
After one year and an half, i lost my job and we agreed to return the car. 
The car was in the same condition that the one when i bought it. 
They pick up the car with my agreement. 
After several months, i contact them and ask for the details between the remind of the loan and the value of the car that they resold. 
They refuse to answer and ask me to paid the full amount plus extra fees without any value of the car that was a XXXX XXXX SUV working with no problems.
Consumer complaint received 2021-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Social Finance, Inc. (CA)

I did an on-line chat to get the address to send my payoff amounts for my XXXX loans. My normal address is a po box that you can not overnight payments. I sent in the payment to that address via fed ex with a tracking number. When the loans did not payoff timely, I called in to status. The customer service agent told me that they would forward to the proper address via regular mail and could take another week. I am confused why they would internally send payoff funds via regular mail to another one of their offices. After calling in 2 additional times, they finally told me to stop pay and reissue which I did. I asked to have the payments post dated to not pay any additional interest due to the error of the on-line rep. They did indicate this was an old address for them as I did not make it up. Now, they have asked proof of the on-line chat that they do not have stored in their system. I tried to log on to find it but they do not save the history for customers. I am at a loss as to how I can " Prove '' this conversation to them when they do not keep these records. They have told me that they will not back date and I also had to make payments on both loans that they are now sitting on because of the time delay so I would not be reflected as being late. I just want to be refunded the interest due to their error and do not understand why this is so hard and I have to prove to them the on-line conversation. They also need to strengthen their handling of payoff funds.
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The Debt collection agency Portfolio Recovery has been repeatedly calling my work phone from different numbers throughout the day about a debt that I have no knowledge of! I have checked my credit report and do not see a debt from this agency and also have not received a letter in the mail regarding the debt amount they are calling about.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

My mortgage company is trying to access my credit. Experian, denied any information to then, but is adding on my credit report as inquiries. Nobody can see my score, but still taking points as inquiries. Try everything, called, email on messages on site, because they do not list a email to send This is going for months. Please help..
Consumer complaint received 2022-08-31
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, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX, XXXX Account Number : 519. 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 3. Account Name : XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 4. Account Name : XXXXXXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NM)

Over the past 4-5 months, I have received 2 phone calls from what seems like different/separate entities, saying that I have a civil suit against me by Wells Fargo Bank, for apparently an NSF check that I never paid. The amount of check is {$890.00}, and both the entitites said that I will be served papers if I don't take care of the amount. 
The first caller said that they can settle the amount for {$1500.00} if I paid them over the phone at that time with a credit card. I did not give them any c.c. information. They then said they would send out legal papers. I have never received any. 

Friday XX/XX/19, I got another call. Same or similar story. They had left a message on my cell phone. I called them back. The first person I reached said that their business was a phone answering/message company. Did not give me the name. The second person I talked with said that this account is " XXXX XXXX. '' I asked who XXXX is. She said XXXX ( or some such first name ) and XXXX ( last name ). Same story, suit filed by Wells Fargo. They will serve papers, etc. I told her that I thought they were scammers and committing Fraud. I hung up on her. 

The only information I have is on the second caller 's phone number. I have nothing else from them about who they are/were and their business name, nor contact information. 
The phone number they asked me to call them back on is XXXX. They would not tell me the name of the supposed " telephone answering/message '' company. 
The phone number that they called in to leave me a phone message was XXXX. 

I did XXXX these phone numbers, and many people posted that they had been called with similar " debt collection '' language and threats.
Consumer complaint received 2024-02-20
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. (MS)

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 Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-02-20
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. (GA)

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 Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.