davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

I held a Wells Fargo account in the years XXXX. I received overdraft fees at a time where it seemed like Wells Fargo chose to pyramid fees. Causing me to have {$900.00} in fees and closing my account. I had to call customer service multiple times and their rule is they only reverse over draft fees once a year. And now I'm locked out of my online account without access to pull documentation.
Consumer complaint received 2021-12-20
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-20
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: Experian Information Solutions Inc. (FL)

Yes I messaged XXXX XXXX  about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from XXXX.
Consumer complaint received 2023-01-20
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. (NM)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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 investigate the unverifiable items and remove them from my file XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

XXXX XXXX has been reporting a collection on my account in the amount of {$2100.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Yes I messaged XXXX XXXX  about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from transunion.
Consumer complaint received 2023-01-20
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. (NJ)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX
Consumer complaint received 2019-11-22
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-11-23
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : US Dept of ED XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX 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 2021-12-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (TX)

traded-in/sold the vehicle in XXXX before the loan had been fully paid. During the transfer period to the dealership, the monthly transaction did occur. The dealership that accepted the trade-in also paid the full amount after taking owner however, the dollar amount was calculated before the last monthly payment was made. This left an overpayment of 1 monthly payment worth - amounting to {$340.00}. 

I have contacted the Hyundai Motor Finance to retrieve this amount and they have repeatably told us that the refund is being processed and to wait up to 2 weeks. It has now been XXXX  months.
Consumer complaint received 2021-12-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (TX)

I XXXX XXXX entered into a consumer credit transaction with Western Funding on XX/XX/21. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Western Funding took cash. The finance charge is supposed to include insurance, Western Funding had me purchase my own separately.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I found out that XXXX, Transunion and XXXX were all reporting 5 late payments from XXXX XXXX XXXX XXXX. 
I notified XXXX XXXX XXXX XXXX and spoke with XXXX. 
XXXX notified all three reporting agencies that there were NO late payments and the information they were reporting was INCORRECT. 
XXXX  notified them three different times. Finally in Mid XXXX the late payments were removed by XXXX and Transunion at least from what I could see on line. 
Today the 5 late payments are back on my report. I have written to all three reporting agencies at least three different times with NO RESPONSE. 
1. All three have been notified by XXXX XXXX XXXX XXXX that they are reporting inaccurate information. 
2. All three have been notified by me three times in writing that they are reporting inaccurate information 3. This has gone on for well over 30 days with absolutely NO response by any of the credit reporting agencies. 
Really need your help
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Chime Financial Inc (MD)

My direct deposit from my employer is lost/ stolen. I was expected to be paid by my employer on XX/XX/2021. 
I never received my direct deposit. 
I reached out to my employer and the pay roll manger, and they have provided documentation, and confirmed that my funds have been initiated. After speaking to many different chime employees and even the supervisor, they have all stated that funds were never initiated by my employer.
Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of XXXX and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXXXXXX is sending incorrect information to Transunion credit bureau. A month ago I noticed that my transunion report was showing my mortgage loan from XXXX XXXX XXXXXXXX as closed. It was correctly showing open and current at XXXX and XXXX I asked transuniion to get an update from XXXX XXXX XXXXWhen they got the update it dropped my credit score at transunion from XXXX to XXXX. Meanwhile my score at XXXX was XXXX and my score at experian was XXXX credit advisor told me that whenever there is a XXXX or more point difference in the credit bureau XXXX XXXX a bad mistake has been made by the creditor, the agency or both.I believe the mistake was XXXX XXXX XXXX reporting wrongly to the transunion agency that i was presently or previously involved in a XXXX XXXX bankruptcy, and that I had been discharged of any obligation to pay my mortgage debt.This is absolutely wrong. I received aletter from the mortgage company on XXXX stating just that. I called and reminded them that I had signed an affirmation ageement in XXXX during bankruptcy proceedings, stating I would continue to pay the mortgage as agreed in our original contract.Therefore they had no right to send this incorrect information to transunion. or any other credit bureau.Their egregious action has plummeted my Transunion credit score without a cause. That wrong information should never have been sent.All they had to do was send in that it is open, it is current, and his payment history shows, never late.I ask the CFPB to convene in this matter on my behalf.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED FIRST XXXX XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED - XX/XX/XXXX EXPERIAN BUSINESS CRED - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN TRYING TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT FOR SOMETIME NOW AND I HAVE HAD NO HELP OR RESPONSE FROM THE CREDITORS OR CREDIT REPORTING COMPANIES.
Consumer complaint received 2019-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN TRYING TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT FOR SOMETIME NOW AND I HAVE HAD NO HELP OR RESPONSE FROM THE CREDITORS OR CREDIT REPORTING COMPANIES.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC (FL)

XXXX Found 5 accounts on my credit report in the amounts of XXXX, XXXX and XXXX reported on XX/XX/2019 from Assetcare LLC. I called the company and asked them about the amounts and they would not give me information or why they were put on my credit report for XXXX. I filed a dispute with XXXX for the XXXX. The above amounts are old collections that fell off after 7 years and they put them on. I never received a call or a bill for these amounts and what they are for.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is sending incorrect information to XXXX credit bureau. A month ago I noticed that my XXXX  report was showing my mortgage loan from Bank of america as closed. It was correctly showing open and current at XXXX and XXXX. I asked XXXX to get an update from Bank of America.When they got the update it dropped my credit score at XXXX  from XXXX to XXXX. Meanwhile my score at XXXX was XXXX and my score at XXXX was XXXXMy credit advisor told me that whenever there is a XXXX or more point difference in the credit bureau scores , a bad mistake has been made by the creditor, the agency or both.I believe the mistake was bank of america reporting wrongly to the XXXX  agency that i was presently or previously involved in a XXXX XXXX bankruptcy, and that I had been discharged of any obligation to pay my mortgage debt.This is absolutely wrong. I received aletter from the mortgage company on XXXX stating just that. I called and reminded them that I had signed an affirmation ageement in XXXX, during bankruptcy proceedings, stating I would continue to pay the mortgage as agreed in our original contract.Therefore they had no right to send this incorrect information to XXXX. or any other credit bureau.Their egregious action has plummeted my XXXX credit score without a cause. That wrong information should never have been sent.All they had to do was send in that it is open, it is current, and his payment history shows, never late.I ask the CFPB to convene in this matter on my behalf.
Consumer complaint received 2023-01-20
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. (CA)

MY LANDLORD STOLE MY IDENTITY AND USED MY PERSONAL INFORMATION THAT I USED TO VERIFY MY IDENTITY TO MOVE IN AGAINST ME. I LIVED IN AN AIRBNB YEARS AGO WITH THE OWNER OF THE HOUSE ACTUALLY LIVING THERE AS WELL. I NOTICED AS TIME WENT ON THINGS STARTED MISSING FROM MY ROOM SO I INSTALLED A HIDDEN CAMERA. ONE YEAR I WENT OUT OF STATE TO VISIT MY GRANDMOTHER AND THE LANDLORD CLAIMED HE HAD FRIENDS OVER AND "SOMEONE MAY HAVE WENT INTO MY ROOM" BUT IT WAS HIM. HE WAS ALSO THE ONLY OTHER PERSON WITH THE KEY TO MY ROOM BEING THAT IT WAS HIS PLACE. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN 4 DAYS.





FRAUDULENT 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (AZ)

I asked wells fargo agent for final pay off of my vehicle loan. Sent them final payment and received title. A week later WF called me stating I still owe them another auto payment. I to them I payed the Ballance and received the title. WF did not agree and reported to my credit bureau. Ruined my credit for years. 5 years later WF sent me a check for the left over amount for the loan... very fishy! 

Thank you in advance for your help, XXXX
Consumer complaint received 2023-01-20
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. (CA)

that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX .... Balance : {$560.00}
Consumer complaint received 2019-09-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

Santander consumer USA has been advised of fraudulent auto loan issued by auto dealership XXXX XXXX XXXX XXXX TX, Formerly known by XXXX XXXX XXXX mis represented loan requirements plus added state sales tax to the loan against my wishes. Vehicle purchase was on XX/XX/2019. 6 months have lapsed and dealership has kept approximate {$2800.00} that was added to loan specifically as state sales tax. Santander usa has  been notified of vehicles status and inability to be legally driven due to dealers failure to license / register, pay sales and title. Dealer temp tag expired mid XX/XX/2019. I purchased vehicle in Texas as non resident and there is a distance of XXXX miles between my residence and dealership. Dealership has ceased all communications with me and has decided to completely ignore all my communications. Upon last communication from dealership general manager XXXX XXXX, XXXX via email notified me that by XX/XX/2019, I would have plates for vehicle. XX/XX/2019 has passed and I received nothing. State DMV confirms they is currently nothing in their pending files that matches vehicles Vin. I have spent countless hours advising Santander usa of  dealers current default by breach of contract and not complying with stipulations in contract, in addition I remind Santander usa that as of mid XXXX I am making payments on a loan for a vehicle my family and myself can not legally drive. Santander usa has opened and closed 3 escalations and offered zero resolution to matter. Santander continues to profit of loan interest being fully aware dealer has defaulted. I have advised Santander usa of my demand to dealer to unwind loan and intent of purchasing a replacement vehicle as of XX/XX/2019. Complaint to Texas DMV and  dealers board has been filed and awaiting results of investigation. Meanwhile dealership continues to ignore my communications, has pocketed approximately {$2.00} ; 800, Santander usa profits from monthly loan payments, and vehicle sits on my property unable to be legally driven.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TESORO FINANCIAL, LLC (GA)

This company shared my personal information with the three credit agencies without my permission. Upon signing they did not provide me any disclosures and I did not sign anything giving them permission to share. There information is appearing on my credit report fraudulently.