davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo bank ruined my credit by reporting non payments to their alleged mortgage which was nothing more than fraud by an unlawful loan modification. Wells Fargo made the reports of non payment willfully full well knowing their false reporting and claims to enforce a mortgage contract which on its face was fraud and of which they broke on their own accord to give the appearance of a legitimate foreclosure action at the XXXX XXXX Supreme Court before XXXX XXXX who presided over the loan modification case in XX/XX/2013. Their was no investigation into the legitimacy of Wells Fargo to pursue such action and today this dirty criminal bank continues to make false reporting to the credit agencies and interfere in the Trust commerce by attempting to pay property tax through bulk checks and insurance on the Trust 's property. XXXX XXXX 's Office was specifically instructed not to accept unauthorized payments of property tax. Wells Fargo continues to perpetrate acts in an attempt establish ownership of the Trusts property with XXXX XXXX. Because of the false reporting of default on a mortgage that they created unlawfully I have not been able to get credit or only subprime loan offers which this agency well knows are designed to fail anyway just like all the unlawful loan modifications. There have been numerous complaints I have furnished with this agency about Wells Fargo and will continue to as long as Wells continues to perpetrate unlawful acts and fraud.
Consumer complaint received 2016-02-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PREFERRED CREDIT INC (OR)

Back in XXXX XXXX, XXXX I got approved for a loan from Preferred Credit , Inc., for {$3000.00}. After XXXX phone calls from them during the last 6 weeks, to verify my address again, to make sure I am me, finally I have received in the mail the first statement, today, XXXX XXXX, XXXX. To my astonishment I was already charged with {$43.00} interest. I called the loan company, and was told that the interest starts accruing from the day I signed the contract. To my question of why they dragged their feet and took their time to issue this first statement so late ( again, 6 weeks later ), they had no reply. I mean, is their interest to delay the setting up of the accounts and so on, as long as possible, because, at the end me, the customer, will pay interest retroactively. Why I did n't get this first statement at the beginning of XXXX? So I can be charged these accrued interest? I have no control of the speed they process their paperwork, yet I need to pay now. I think they are playing an unfair game regarding my case.
Consumer complaint received 2022-12-17
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. (FL)

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX  XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX  XXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

XXXX XXXX XXXX XXXX XXXX You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2022-05-23
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. (AL)

IN ACCORDANCE WITH THE FAIR REPORTING ACT XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX 
15U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FIRNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2022 someone walked into a Truist Bank in XXXX XXXX, FL and walked out with {$21000.00} of my money. The branch manager will not return my calls, nor will they speak to the police, nor will they show me the video footage, nor will they credit my account after it was clearly fraud. I live in NC. This was 3 weeks ago and I have spent nothing short of XXXX hrs trying to get a resolution. No one at my local branch will pick up the phone or return my calls. When I take time off work and go to the bank, they wont give me any information. They also froze my account and wont let me access ANY OF MY MONEY FOR 3 WEEKS! Please help me!! This is insanity!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-14
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant to offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Transunion are so firm with what youre doing, and thats disregarding my complaint. I reached out to the companies and talked to them about this situation and they agreed to remove the accounts from my file. BUT you there at TransUnion have some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the following accounts right away. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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. (CA)

I have lived at the person house who stole my identity and used it for XXXX XXXX XXXX XXXXXXXX XXXX which my name was spelled wrong on the account. I did not authorize this account. I was not living there during this time that account was open in XXXX 2021. I was Incarcerated at the time my identity was stolen. Now that I'm getting a better understanding of my credit report, I want this removed off my credit this is a fraudulent account that was made without my authorization. My last name is spelled XXXX, and middle name XXXX, which are incorrect spelling. I do not understand how and why this is stuck on my credit report without my consent.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

My Equifax credit report has almost no information. It lists one employer, from 1983 ; nothing after that. No employment, addresses, phone numbers, credit cards, or mortgages. The other credit bureaus have rich and accurate credit history on me. 

I started to file a dispute, but uploading a supporting document ( there is no room for comments ) results in this message : " We are temporarily unable to upload your document ( s ). '' Trying to contact the support center means spending ten minutes battling the automated system, finally being placed on hold to speak with an agent, and after a while being told that you can be called back. I chose that option. The callback came, but only with the message, " Unfortunately, no agents are available to call you backor press 9 to cancel the callback. '' ( exactly like that, with that odd break in the sentence and no option besides 9 ). I simply hung up, but this same call kept coming, so eventually I pressed 9, just to stop the harrassment. 

In other words, they have a completely deficient report on me but give me absolutely no way to get it fixed, with impossible automated telephone support and fake, nonfunctional facilities for document upload and agent callback. These are fraudulent business practices.
Consumer complaint received 2022-05-23
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. (FL)

Dear Credit Bureau Experian I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX XXXX - XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Consumer complaint received 2022-05-24
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. (SC)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have 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 items that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance {$7200.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance {$200.00}
Consumer complaint received 2022-05-24
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. (SC)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2019 I called TransUnion about cancelling my account. As far as I understood we took care of it. It is now XX/XX/2019 and I was checking the charges TransUnion charged me for their services because I was taking care of some fraudulent activity on my credit. I noticed that they continued charging me {$11.00} up to XX/XX/2019. When I called them on the phone about it, they told me that perhaps I had an offline account. So they checked and that was the case. I was not aware of having more than one account. No one ever mentioned to me anything about offline accounts. I didn't open an offline account. I did not even know what that was so I had to ask about it. So I don't know how I ended up having an offline account.
Consumer complaint received 2018-01-23
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: HUNTINGTON NATIONAL BANK, THE (CT)

I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. 

XXXX XXXX XXXX Inquiry : XX/XX/2017 ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 - Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I applied for a loan through America First Credit Union. I applied for a {$10000.00} 3-5 % apr 60 month loan. I was called and said that I was approved but they had only one stipulation ... the loan would only cover 100 % of what the car is valued at. I found a car that was {$10000.00} ( and checked the value on XXXX XXXX XXXX and it was valued at {$10000.00}. ) When i called the loan officer ( named XXXX XXXX XXXX he said he will try and get it approved but wasnt sure because they decided the value was {$10000.00}. A few hours later, I received a phone call from XXXX saying that the loan was fully approved but with one other condition. The condition was that I needed to bring the car into any of their branches for an inspection. I called the seller and she graciously agreed to meet me with the car and we can do the transaction at the bank. When we got there, I was told I was only approved for the {$10000.00}. I called XXXX up again and he again told me that I was approved for the full {$10000.00} and that I am good to sign. But when shown the screen, it said denied. Then with lack of professionalism, the loan officer ( XXXX from XXXX branch ) walked over to my seller and told her that they wont approve the loan unless she lowered the price, ( which was humiliating and disrespectful of him to do that without my permission ). After she agreed to do it, then I was told I was approved for a 14 % interest rate for only 36 months ( which was never mentioned to me until then ... considering I applied for a 3-5 % rate for 60 months ). And then he decided to not approve the {$10000.00} and pulled out the amount {$9800.00} out of nowhere after a few minutes of arguing with him ( still have no idea where he got that number from or why he decided to change the amount ). Then he proceeded to push my seller into that and me into signing that deal. I was lied to from the beginning until the moment I was about to sign. This behavior from this company is unacceptable and I am reporting it in hopes that it doesnt happen to another customer.
Consumer complaint received 2019-11-23
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)

XXXX, TRANSUNION AND XXXX  HAS INQUIRES ON MY CREDIT REPORT THAT ARE NOT MINE. 
Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XX/XX/XXXXXXXX XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX - XXXX Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XXXX XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX  - Auto Finance Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX   XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XXXX, New Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE
Consumer complaint received 2021-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

A XXXX  delivered me garnishment papers on XX/XX/21 from Capital One, for a credit card debt for an extremly high balance and my credit limit wasn't even half of the amount they are requesting. 

Not only am I currently unemployed due to XXXX ( and I just lost a family member due to XXXX ), but I have NEVER been contacted by mail, email, or telephone prior! I never received a bill, statement, or settlementt offer for this debt! I checked my credit reports, and this card shows as a charge off on my credit report over XXXX years ago, plus it is past the statue of limitations. Before I hire an XXXX, I would like to dispute this debt, stop the garnishment/lawsuit, and have it removed from my credit files with all credit bureaus!
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Designed Receivable Solutions, Inc. (CA)

I sent a letter to pay for a deletion of this debt from my credit report. The company accepted my money and only removed this debt from one of my credit reports and not the other two. 

This isn't right and its not fair.