davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (OH)

XXXX XXXX repossessed vehicle from me in XX/XX/XXXX they're saying they repoed it in XX/XX/XXXX which is incorrect a repoed it way before they were supposed to. The vehicle was no longer in my possession after XX/XX/XXXX they came and took it out of my driveway 2 days before my check cleared my account I was going through XXXX XXXX XXXX and I kept them well informed.
Consumer complaint received 2022-04-20
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. (TX)

There are several accounts being report it on my credit report. I do not know any of these companies. I have never done businesses with any of them. These collections companies do not have a contact with my signature.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo has a limit on how many payments I can make on my credit card bill a month. The rules are that as a card holder I can make only XXXX online payments a month and one each day. 
XXXX : I made a payment for {$500.00} on XX/XX/2022 but cant make another payment today. I also wanted to make a {$2700.00} payment in addition to the first payment but was denied processing the online payment. 

Also XXXX cant make more than XXXX payments a month towards my balance.
Consumer complaint received 2022-07-12
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. (AZ)

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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: Rocket Mortgage, LLC (GA)

As an airline employee I was directly affected by COVID and struggled to make my mortgage payments so I asked Rocket Mortgage about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by XXXX? 

Ive disputed it with the XXXX credit reporting agencies and Rocket, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a XXXX federal loan for my sons college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

Rocket Mortgage is a predator. They took advantage of my good faith.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, XXXX Acct # : 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
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

This account from XXXX XXXX is currently reporting negatively on my Experian and XXXX Credit Reports. I reported this for Identity theft on XX/XX/2021. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? NO I did not give them ANY PERMISSION Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above from my consumer report, this agency is in violation ... ... ... ... of 15 USC 1681b. 

I will be seeking damages against Experian and XXXX in the amount of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681b violations for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (CA)

XXXX CARD Account # XXXX has violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX, XXXX, Y ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$98.00} ; XXXX  XXXX XXXX XXXX : {$1600.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (OR)

I am writing to dispute the presence of a charge-off on my credit report from Wells Fargo , under my rights according to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This letter formally requests an investigation into the charge-off recorded on my credit report and its subsequent removal, as I believe it to be inaccurately reported for the reasons outlined below.

I would like to point out that I have never received a 1099-C form from Wells Fargo , which is a crucial document indicating the cancellation of debt. The absence of this form brings the accuracy of the reported charge-off into question, as it suggests that the alleged debt may not have been officially canceled or deemed uncollectible by Wells Fargo . 

Details of the Disputed Charge-Off : - Creditor : Wells Fargo XXXX Account Number : XXXX - Date of Charge-Off : XX/XX/year> Given the circumstances, I am requesting : 1. A thorough investigation into this matter by your agency.

2. There should be no charges for this notification.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair credit reporting act, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

I made payments for {$4300.00} and {$100.00} on XX/XX/XXXX to Citicard. The funds were deducted from my bank account on XX/XX/XXXX and were transferred to Citicard at the end of the day on XX/XX/XXXX. Citicard has not applied the amounts above to my available credit in my Citicard account, and according to their call center reps, they have " placed a float on the money. '' When I first called Citicard on the morning of XX/XX/XXXX to ask why the payment was not applied to my available credit, the call center rep named XXXX called my bank- XXXX XXXX to see if the funds had cleared. A XXXX XXXX XXXX told XXXX the funds had been deducted from my account and that the ACH transfer to Citicard would be complete by XXXX pm XXXX on XX/XX/XXXX. XXXX told me that the " float '' on my account could be lifted after the ACH was complete. XXXX said she would call me back on XX/XX/XXXX to help lift the " float '' on my account so that the payment would be applied. XXXX did call me back at XXXX XXXX. MST on XX/XX/XXXX and left a voicemail on my phone stating she was calling to assist me with lifting the " float. '' When I called Citicard back at XXXX am MST on XX/XX/XXXX to have the " float '' lifted, I was told they could not lift the " float '' and would not apply the payment to my account until XX/XX/XXXX. I explained that the XXXX transfer was complete and they had my money. They still refused. I asked to speak with a supervisor who could help me and who could explain why they were holding the payment and not applying it to my account. I was transferred to several reps and finally spoke with an account manager named XXXX. He said he would not remove the " float. '' He did not explain why. I asked him to find someone to help me. He said no one could help, then hung up on me. I was on the phone with Citicard for XXXX hour and XXXX minutes. 

The payment has yet to be applied to my available credit on my account.
Consumer complaint received 2022-04-20
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. (OH)

I sent a XXXX letter to Equifax asking for original documentation of verifcation of 5 items on my credit report. This letter was mailed via certified mail with tracking on XX/XX/2022. The letter was received on XX/XX/2022. On XX/XX/2022 i received a response from Equifax saying their investigation results prove that all information is accurate for all 5 accounts. They did not include any original documentation with signatures, they did not include any contact info/description of investigation to determine accuracy or completeness of investigation. They only provided a letter saying they contacted each agency, and that the information was verified and deemed correct. On XX/XX/XXXX I sent another letter to Equifax asking for proof and method of investigation, asking for original documentation. The letter was received by them on XX/XX/2022. They did not provide any proof or any other letter within a 15 day period. In fact, I have not heard back from them at all and today is XX/XX/2022. According to the FCRA, equifax is in non-compliance and is required to delete the 5 disputed items on my credit report. They have not done so.
Consumer complaint received 2019-06-25
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. (HI)

The following accounts were satisfied as agreed, payments were made on full.. I took care of each of my accountsI am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2022-04-20
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. (NY)

The following accounts are Fraudulent and are in clear violation of my privacy. Which is a violation of the law. I demand the following accounts be DELETED from my Consumer Credit Report Immediately as they are Fraudulent accounts opened using my personal information and consequently disclosed on my XXXX and Equifax XXXX Report XXXX. XXXX XXXX XXXX { XXXX } Account # XXXX - Amount. {$44000.00} XXXX. XXXX Account # XXXX - Amount. {$16000.00}
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (IL)

To whom it may concern, My name is XXXX XXXX. My phone number for Albert Bank is # XXXX. My Albert linked email address is XXXX. 

My husband XXXX XXXX referred me to Albert Bank in XXXX. There was a {$500.00} sign up bonus by his invite link. For the terms and conditions I need to have direct deposited my income to the Albert account for at least {$200.00} and spent at least {$100.00} by the debit card issued per month. I fulfilled all requirements and Albert didn't issue the sign up bonus. 

Also, I have referred my friend XXXX XXXX ( phone # XXXX ; email : XXXX ) and she successfully fulfilled all requirements. However, Albert refused to honor the bonus for her. Also if she gets a {$500.00} bonus, as a reference I should receive a {$500.00} referral bonus too. 

Albert told my husband XXXX said it is not a scam. However, Albert refused to honor their sign up bonus.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 XXXX
Consumer complaint received 2023-02-22
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$26000.00} XXXX  XXXX Balance : {$23000.00}
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Accounts, 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 a account without my written instructions XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act the following have violated my rights : 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 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.
Consumer complaint received 2016-11-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I was pressured into a loan by XXXX Chrysler the loan interest rates were pushed on me I was told if I did n't sign I would not get a loan from anywhere else. And when I did return to the dealership with my other options they were out of Bussiness. I was taken adavantage of by the dealership and Chrysler capital financial over 25 % interest on a car that worth less then XXXX is criminal
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (NY)

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 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 a account without my written instructions
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (CA)

XXXX XXXX Account # XXXX has violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;