davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Glacier Bancorp Inc. (AZ)

Foothills Bank in XXXX XXXX, refused to open two separate totally free checking accounts for two separate people. They required an occupation, and when I told them I was an XXXX, and they acted like I didnt have a real job. They immediately said, if I XXXX  XXXX, is your business going to pop-up?. The banking manager was so rude and undermining to my occupation and insisted I was lying. The bank manager also asked where I was moving to, and if I didnt give her the new address, I wasnt going to be able to open an account. The bank manager was even saying that she called my phone number and it didnt go through so did I give them a fake phone number? I gave her the same number and she called my phone again and this time it went through and rang. At the end of the process to get an account, I was harrassed if I had family in the area and a lot of personal questions that have XXXX bearing on opening a checking account ad advertised. At the very end, the manager said she was going to call my phone again because it didnt go through, even though in the office she called it and it rang. Again, the experience was very odd. I was very polite and professional, but the bank manager seemed off. There was another person with me, opening an account, and the same treatment was given. At the end the bank manager said that they didnt want to open an account based on lack of information, but all the information requested was given.
Consumer complaint received 2024-01-03
Product: Credit reporting 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. (TX)

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My name is XXXX XXXX. I live in XXXX Connecticut and I work for the United States Postal Service. I received my paycheck on Friday, XX/XX/XXXX in the amount of {$1300.00}. I deposited this check at noon on Friday XX/XX/XXXX. The ATM displayed a screen that said {$220.00} would be available on XX/XX/XXXX and the remainder would be available in XXXX business days. The following day someone cleared the ATM and placed a 10 business day hold on the entire amount of my payroll check. This means that the hold doesnt come off until I get my next payroll check. Making it a month without me getting any income. I have deposited the same checks from the same Postal Service for XXXX months. I have been a customer of the bank since XXXX. They could give me no reason why they put this extended hold on my paycheck. When I called to complain I was told that they can do whatever they want with paper items and the hold will stay until the XXXX. I ran out of food and Im having massive financial problems from not getting paid for a month. I dont know what to do I need my paycheck every XXXX weeks. XXXX, the woman to whom I spoke on XX/XX/XXXX was clear that they have the authority to hold whatever they want as long as they want. Is there anything I can do?
Consumer complaint received 2021-11-15
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (OH)

in XXXX XXXX XXXX XXXX was charging me for utilities in an apartment after I had moved out. It was corporate housing for work I was doing in XXXX, MA area XXXX, MA to be exact. When I got the bill I called XXXX XXXX several times to discuss, eventually speaking to them on a three-way call with the apartment complex, confirming that the subsequent renter had in fact changed the utilities to their name and that I had filed the appropriate paperwork upon moving. 

The agent for the XXXX XXXX XXXX indicated that they had corrected the item and nothing further needed to be done. I never received any subsequent bills or statements to my permanent address which I updated on XXXX XXXX XXXX  Website, the Apartment Complex ( XXXX XXXX at XXXX ), and on the phone with the agents. 

This month I noticed an item on my credit report and disputed it with all three agencies. XXXX concluded their investigation indicating that they " validated the debt. '' The XXXX online form does not provide a legal explanation of why I am disputing the debt. I am a XXXX ( licensed in Michigan XXXX XXXX. XXXX ) and provided, in the limited space the best legal summary I could citing the doctrine of Estoppel indicating no actual proof of the debt exist of the debt. 

NATIONAL RECOVERY AGENCY, the collection agency continues to call and harass me. 
Their contact info is : Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, PA XXXX I would like the report removed from all credit bureaus and the record corrected. I have all the documentation as I am an XXXX. The credit bureaus do not allow attachment of documents and any further contact on my part would only serve to validate this false claim. 

I have attached my copy of my final bill the month I moved out.
Consumer complaint received 2021-11-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

We have elevated this appeal at the bank, but feel the process here is so messed up, the need to bring it to higher competent authority in tandem. 

Since the beginning of XXXX we have worked with Navy Federal Credit Union, a bank I have been with for 20 years, on a VA Cash Out Refinance Mortgage. Their process is a total and redundant disaster. We supplied all necessary documents to show more than sufficient income and the loan has gone back and forth between conditional approval to underwriting and back. They continued to ask for an XXXX, which was not a form used for 2019. We signed cost of loan disclosure yesterday and today we received a denial out of the blue without request for clarification. Communication and explanation is very poor despite us providing in an expeditious manner anything requested. 

Today, we received a denial letter which stated unable to verify income from 2019 and its denied. This totally unacceptable. This is a benefit I have earned and we have more than sufficient income and have a current VA mortgage with this bank.
Consumer complaint received 2020-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2020 XXXX transferred {$790.00} from my XXXX checking account to an unknown financial institution. 
I have filed a complaint with XXXX XXXX see attached documents ) and contacted XXXX. So far, XXXX has refused to provide the name of the financial institution that received the transfer. I won't accept that that is proprietary information. My money was intended to go to XXXXXXXX XXXX, XXXX has confirmed that that did not happen. 

The transaction number is XXXX
Consumer complaint received 2021-11-12
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)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : DPT ED/XXXX XXXX Balance : {$0.00} Date Opened : XXXX DPT ED/XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process.By the FCRA, 15USC 1681 G my information should be safe and secure and i see its not.My information has also been in a breach.This is a defemation of my character and causing emotional stress on me.Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. There are also some addresses and inquiries that i want to report that i see happened during the identity theft.I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$300.00}
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, I was vacationing in XXXXXXXX XXXX XXXXXXXX, XXXX. That afternoon, I used my Wells Fargo credit card to purchase a couple of beverages from a street vendor at the beach of XXXX. The vendor swiped my card in a wireless credit card reader and the transaction was declined a couple of times. Claiming there was something wrong with the machine, the vendor brought in a second reader which also declined the transaction. A friend walked in at the moment and offered to pay cash for the drinks. I took the drinks and the vendor rushed away. Something about the interaction felt extremely suspicious so I opened the Wells Fargo app to check the recent transactions. There I found 2 charges, billed to a mechanic, amounting to more than {$6000.00} american dollars! 
The second charged was automatically declined by Wells Fargo, but the 1st charge ( in the amount was {$4100.00} ) was posted. I immediately called the Wells Fargo customer service line and reported the fraudulent charge. Wells Fargo canceled my card and issued a new one right then and there. Fast-forward a couple of weeks to XXXX, Wells Fargo sent me a letter stating that, after completing a investigation, the charge had been reinstated to my credit card statement and that I was liable for its payment. I immediated called to dispute and the claim was re-opened. Since then, Wells Fargo has sent two additional letters with the same resolution, which Ive continued to dispute. Fearing Wells Fargo does not have my best interest as far as protecting me from this crime, Im pleading to CFPB as a hopeful resort. Sincerely, XXXX.
Consumer complaint received 2021-11-12
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. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2020-12-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

Letters were sent to all 3 reporting agencies on XXXX. 
I nor my husband XXXX XXXX have received anything. These inaccurate findings are PREVENTING us from purchasing a home. This is VERY disrespectful to not respond in 4 months now.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (MN)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Consumer complaint received 2019-09-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp. (PA)

I am an aggrieved man, UNITED AUTO CREDIT is rescinding my loan. I did not break my loan agreement. I ended up in the hospital for health issues. I had XXXX and was out of work. I got released from the hospital XX/XX/19 and go back to work XX/XX/19. I notified an agent with UNITED AUTO CREDIT that I would be late with my payment because of this unexpected issue. I paid {$100.00} towards the balance with the little money I did have and was going to make a payment of {$100.00} a week until I get paid again and could pay the balance owed in full. UNITED AUTO CREDIT agent told me this was okay because of the unexpected health issue. Fast forward to XX/XX/19 my vehicle was repossed by XXXX XXXX. I spoke with XXXX from UNITED AUTO CREDIT and he advised me they did not give XXXX XXXX permission to repo the vehicle. He advised me now UNITED AUTO CREDIT is cancelling my loan and leaving me without a vehicle to get back and forth to work. I respect that this is a business but that's a horrible business practice. To repo a vehicle from someone making payments in good faith and asking for some time. I am not a debtor and always pay my debts. I intend on paying this debt.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Asked them to apply my extra payments towards the principal balance. They advised it does automatically. I logged in today and found that is not true and they applied my extra payment to interest. Their staff is under qualified to answer questions and my account is essentially being mishandled. I essentially lost money by it not applying to the principal.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo has been owing me for 2 years for a {$2000.00} dispute that was credited to my account that I did not receive, they keep telling me they have investigators that will start from the beginning and properly investigate this issue but each time each investigator uses the same blue print as the last one they will say I have a son name XXXX XXXXXXXX which is not true then they will continue to give a false narrative stating stating i sent money to hm, this has caused a issue with my wife because i have no son name XXXX  XXXX and my wife is XXXX for a divorce becaue she thinks i have illegimate kids and wells fargo is lying they have not witnessed me stating i have a son, and i sent that to him i have no son name XXXX  XXXX and for theme to create this false narrative they need to pay a fine for lying on my name and causing my wife and I to be separated for the past 2 years becaue of this issue, the blame on the claims department but when i contact the claims dept theysay thehave no record of this issue but every investigator starts their denial off with the same lie that, which no knows who has XXXX XXXX lie out in society they owe {$3500.00},... for the money i never receivd and they owe me for not resolving this in a fasstr pace
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX and its representative are continuously showing no regard to the law and my right to privacy. They are telling me that their policy overrules the law. They are committing language fraud with misleading facts and giving their false interpretation of the law. They have caused and are still causing me defamation of character by illegally reporting information that should not be on my consumer report and misleading me and refusing to remove it. They are telling me that I have no right to privacy, and they are knowingly reporting income on my consumer report. 

Their said in your response As of XX/XX/XXXX, were reporting the account as an unpaid charged off account. According to the IRS ( Internal Revenue Service ) publication irs.gov, a charged-off is a certificate of indebtedness which goes along with a 1099c The Cancelation of Debt. It is considered to be income, and you know very well that income can not be reported on a consumer report. Proper procedures must be followed to ensure accurate reporting 15 U.S. Code 1681e.

The Gramm-Leach-Bliley Act, require that they report their information data sharing practices, as well as provide me with information and the right to opt out of data sharing with 3rd party non-affiliate agencies, like XXXX, Experian as well as XXXX, or any other not listed here. It is also your responsibility to make sure that it is presented in a clear and conspicuous manner. They are in violation of this Act as they just admitted this, in your response that is attached. Furthermore in accordance with the Privacy Act of 1974 I have the right to privacy that they are trying to deny me.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;