davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights, original creditor was XXXX XXXX XXXX XXXX 
I am not liable for this debt with XXXX XXXX XXXX Account # XXXX The Account was previously charged off. The Account originated on XX/XX/XXXX with XXXXXXXX XXXX The last payment in the amount of {$67.00} was received on XX/XX/XXXX. The Account charged off on XX/XX/XXXX with a balance of XXXX XXXXXXXX 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These have violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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 2022-03-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

I decided to try and refinance my original mortgage to add my son just in case anything happened to me it would go directly to him, they said no problem. So we proceeded with the loan application. I chose the quitclaim deed so if anything were to happen to me again it would go to him. I took notice, something was off after the 72 hour hold, we received the quitclaim deed, and my homestead had changed because my son was added. because of that, I am wondering why my son XXXX and I were never informed of the tax change which would change how much the mortgage monthly payment would be. 
They knowingly took for granted to make money and care about use being able to make our monthly payment. I would have never refinanced had we have know or been aware of the deceptive contract practices. 
This company XXXX account manager XXXX XXXX, XXXX XXXX refuse to call or contact me in regards to the quitclaim deed changed. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-02-22
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)

I am victim of ID Theft, while I was away at XXXX XXXX XXXX XXXX was broken into, all personal things were taken, ie : wallet, bank statement and tax information. I reported the issue to my XXXX  and campus police. i was advised to file a formal complaint. I pulled my credit report and noticed several items on my credit profile I did not authorized or applied for. I have contacted XXXX XXXX, XXXX, and Experian several times. And have not helped me resolve the problem. I request the following account to be deleted. 

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 2024-02-22
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. (FL)

There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2016-10-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

I have a Wells Fargo retirement account from my employer for over 9 years. Just recently in XXXX and XXXX I received XXXX e-mails from Wells Fargo. The 1st e-mail has the subject line of " Questions about your new account? Schedule an appointment with a banker, 'my name ' ''. The XXXX has the subject line of " Manage your mortgage online ''. I neither opened up a new bank account nor a mortgage with Wells Fargo. As you can imagine, I was surprised and worried that my information was used inappropriately to open up new accounts with Wells Fargo. After I called them and inquired about it, I was told that I was put on these accounts but they could n't remove me from them and I was n't the primary account holder. They stated that if I wanted to know more I 'd have to go to a branch. Well, after all the news that came out about Wells Fargo and the fake accounts, I went to a branch today. I was now told that these are not my accounts, but rather somebody who shared the same identity and to e-mail their phishing department - which is contrary to what they first told me on the phone, and which I do n't think is the real issue. I am truly concerned that my XXXX XXXX is being used to open fake accounts and I can not do anything about it. Please help!
Consumer complaint received 2024-02-22
Product: Credit card — Store credit 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: Experian Information Solutions Inc. (TX)

I have been trying to get Experian and XXXX XXXX to resolve this clear billing error violation on my credit report. I am being flat out ignored and i don't understand how Experian could be a muilti million dollar company and still take advantage of Americans. How can they just put inaccurate late payments on my credit report, severely hurt my credit, and then ignore when i show them that it is not accurate. The fair credit and reporting act clearly states that they can only report accurate information. Well the late payments back in XXXX and XXXX are 100 % false. If they were doing their job correctly they would know this. How do i get a late payment on a product that i completely paid off?
Consumer complaint received 2022-03-23
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: JPMORGAN CHASE & CO. (MS)

I have hard inquiries on my report that I have no knowledge of. 

XXXX : XXXX XXXX XXXX  on XXXX XXXX XXXX : XXXX XXXX XXXX on XXXX XXXX XXXX : XXXX card services on XXXX XXXX I havent dealt with any of these companies and have not given them permission to pull my credit report.
Consumer complaint received 2016-11-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX, 2016 RE : Wells Fargo Account # XXXX To Whom It May Concern, I am writing you with numerous concerns that I have with my Wells Fargo " Student Loan '' ( Account XXXX ). About five years ago, I setup a consolidation loan with Wells Fargo for my private student loans. Unfortunately, over the course of the last five years, I 've discovered that this loan does not work like a traditional student loan. Please see my list of concerns on this loan below : This " student loan '' is NOT deferable if I chose to further my education ( pursue my XXXX degree, etc. ). 
I frequently end up with mysterious late fees. Every time I call to make payment, the representative from Wells Fargo tells me that I have past due balances that need to be paid ( this happens even when payments are made on time ). Each time I tell the representative that I want to pay the total amount that is due. However, it seems as though I am frequently told to pay the incorrect amount and I end up owing late fees in the future. 
I am troubled with this loan because it claims to be a student loan ( when it benefits Wells Fargo ). Additionally, it claims to be a private consolidation loan ( also when it benefits Wells Fargo ). If this were truly a student loan, I would be able to defer the debt while I further my education ( unfortunately the aforementioned option does not apply ). Also, if this were a private consolidation loan, I would be able to absolve this debt with a bankruptcy ( again the aforementioned topic does not apply ). 
In closing, please know that I have previously attempted to solve this situation directly with Wells Fargo ( on numerous occasions ). Also, I 've even spoken to members of their Executive Office. Unfortunately, no one at Wells Fargo has been able to help me with my concerns. Any action or guidance that you are able to present on this situation would be greatly appreciated. Thank you and I look forward to hearing from a representative at your office. 

Best regards, XXXX XXXX XXXX XXXX - phone XXXXXXXXXXXX
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. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-03-23
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. (FL)

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

15 U.S.C1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

An account was opened fraudulently in my name. 
Opened XX/XX/2021 XXXX XXXX of {$510.00}
Consumer complaint received 2019-12-12
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. (TX)

To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- COLLECTION ACCOUNT –1. XXXX XXXX XXXX with ACCT #XXXXXXXXXXXXXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MAS FINANCIAL SERVICES, INC. (CA)

Contacted MAS on XXXX to make a payment for XXXX. 

I was informed they dont accept XXXX  account although the representative informed me they do. In addition ; my last payment was made with a savings account. Ive had the loan going on XXXX years, encountered XXXX  both times Ive called to make electronic payments by phone. Their website also lists they accept electronic payments by phone. Previously my account was charged additional fees due to the company stating I had no insurance coverage although I did. They attached their insurance on my bill resulting in the monthly payment being extremely increased. The representatives are hard to deal with and Ive only had decent experiences with XXXX and XXXX. I havent received an account ledger for my balance as requested or any policy they dont accept XXXX. Again, the website shows they do. On XX/XX/XXXX. I found out today the reason I may have not got the ledger is because XXXX XXXX placed a cease and desist on my account. This was done without my knowledge or permission. This information wasnt relayed to me until speaking with XXXX on XX/XX/XXXX. Its also conflicting because XX/XX/XXXX XXXX I have an email from XXXX XXXX XX/XX/XXXX XXXX I also have a voicemail from XXXX. I have never spoken with anyone named XXXX before & this cease and desist had to be placed on my account by someone other than me back on XX/XX/XXXX. The company has now informed me they can not send me proof they dont accept XXXX payments as well as my general ledger. I am 30 % paid off on the loan & this situation is pushing me beyond my XXXX day period to make a payment by XX/XX/XXXX. XXXX informed me I would need to wait on XXXX to return to the office on XX/XX/XXXX ( which puts me behind on my loan for the first time, besides when they company over charged my account for additional insurance & had to readjust it ). Again, XXXX has always been helpful, but this is a family business and a lot of bias things going on.
Consumer complaint received 2024-02-22
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. (CT)

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.

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 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I became a victim of identity theft on XX/XX/XXXX as a result of the Equifax breach. I created an Identity Theft Report with the Federal Trade Commission, filed a police report, disputed a XXXX XXXX XXXX  loan made without my authorization with XXXX who was the only credit reporting agency that XXXX did a credit inquiry with. I had already placed an initial fraud alert with all credit reporting agencies as a result of the breach that reflected my personal info was involved. XXXX approved the loan regardless of this fraud alert. 

In XX/XX/XXXX, I requested an extended fraud alert placed on my credit files on all XXXX credit reporting agencies. I provided all the required documentation. XXXX and XXXX readily complied with my request. Equifax is the only one that has not complied. I have submitted by mail twice with Equifax providing all the documents requested and they claim that they didn't receive the first request and the 2nd request, they are treating as a dispute not as a request for extended fraud alert even though the form I submitted is a fraud alert request. I need assistance in getting Equifax to comply with my request for an extended alert since their breach caused my identity to be stolen.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (OH)

XXXX XXXX XXXX has not updated the credit bureau with my new balance. 
The still show {$10000.00} and my actual balance is {$53.00} and those purchases was made today. My statement balance was {$0.00}. I contacted them several times via email. This was their final response on XX/XX/2023. 
" I'm sorry about this. We temporarily stopped reporting account updates to credit bureaus while we updated our technology because we didn't ' want inaccurate information going out. I'm sorry for any inconvenience and your frustration. The credit bureaus will begin to receive and report updated account information during the month of XXXX. 
We recognize that you've recently made a payment, your payment should reflect in your credit bureau report within 30 days of the payment date. 
We apologize for any inconvenience and appreciate your patience. '' Apple Credit Card the same thing, credit bureau not updated with new balance. They have {$6100.00} on my credit report when my statement reflects {$1500.00}. 
I contacted them also via email, was assured the credit bureau would be updated by XX/XX/2023. 
I have screen prints of conversations of both lenders.
Consumer complaint received 2024-02-22
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. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an ID theft report. Please find the required documents to assist in the blocking of the erroneous information that is being posted to my report. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Dave Operating, LLC (CA)

I sent over {$40.00} to my Dave account for groceries. Instead of staying there, Dave took the money ( exactly {$40.00} ) and automatically applied it to my Advance Settlement. This was both an unauthorized transaction for a seekingly random amount of money, but also drew the money directly from my Dave Banking account instead of the connected account. It also took this amount off schedule from previous payments. 

Upon calling their help line at XXXX and informing them of the oversight, I was told Dave can not " reverse transactions. '' As I'm familiar with charging back transactions, I know this can not be true.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (TX)

This is in response to Barclays Bank complaint XXXX SUBMITTED ON XX/XX/2022, The card was issued to an imposter to an address I had not lived at for quite a few years ( I live XXXX miles from there ), I called the bank numerous times to get this cleared up ( with the Fraud Department XXXX XXXX the Bank closed XXXX Account and then reported to the Credit Bureaus that I was 30 days late, now the Bank has XXXX me as being XXXX XXXX past due, I don't owe this XXXX plus dollar charge