davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$220.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX of XXXX, XXXX ( XXXX ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

I opened a citi account this month, and right after funding the account and using my card for XXXX dollars they blocked my access to my online banking, I also have a large transfer going to them and now I'm extremely worried about my funds. When I call them up about this issue they just spin me around like a top to different reperesantives with none being able to help, I've asked time and time why this was done and no one is able to give me any type of answer and it's extremely frustrating
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (VA)

Used Wells Fargo Banking App to transfer/pay a Wells Fargo issued Credit Card-Payment was meant to be {$130.00} dollars but I entered {$1300.00} ( XX/XX/XXXX ) -I immediately tried to correct this ( but the funds re pulled out immediately and there is no undoing it ) I alerted Wells Fargo of the error within in 10 minutes of doing the original transaction. 
On XXXX Wells Fargo took the {$1300.00} credit/incorrect payment off of the credit card and moved {$1200.00} back into my checking account. 
On XXXX @ XXXX EST I called Wells Fargo requesting to know why where was the {$130.00} dollar difference-verified they were not trying to charge me a cash advance fee or any other fee-was advised no it was an error and the claim ( XXXX ) was still open it was noted and the claims department would see this. 
I called today just now and spoke to XXXXshe advised that on XX/XX/XXXX the claim was sent to another department to " find '' the {$130.00} and that this process would take 7-10 more business days. 
This credit card does not and has not had a balance on it, there zero reason it should take this long to get this resolved.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: GOLD STAR MORTGAGE FINANCIAL (MI)

Gold Star Mortgage Financial Group Corporation NEVER LOANED ME ANY MONEY TO PURCHASE MY HOME. ( See Banking Statements ). Gold Star has " BREACHED THE ORIGINAL AGREEMENT AND REFINANCE AGREEMENT. 
ORIGINAL MORTGAGE AGREEMENT WAS NOT A CONTRACT, BUT A TRUST AGREEMENT. GOLD STAR MADE IT LOOK LIKE A CONTRACT WHEN IN FACT MY SIGNATURE IS THE ONLY SIGNATURE ON THE AGREEMENT. GOLD STAR MORTGAGE SOLD MY ORIGINAL PROMISSORY NOTE IN XXXX AND ON THE REFINANCE AGREEMENT SOLD THE PROMSSORY NOTE AGAIN FOR XXXX ( See Audit ). 
XXXX XXXX claims to have my " Promissory Note but in fact it's just a " COPY '', NOT THE ORIGINAL, so XXXX XXXX has no right to claim ownership of any NOTE when it was " SOLD '' I asked for proof of any Loan being given to me and Gold Star will NOT RESPOND BACK TO ME WITH ANY ACTUAL PROOF. XXXX XXXX mailed me a bunch of Copies of my Mortgage and NEVER mailed proof of having any Promissory Note. I had a XXXX XXXX performed on my Mortgage from XX/XX/XXXX and found a lot of Violations, missed assignments on the " Note '', the Note and " Deed Splitting, taking XXXX different paths as well as other Violations of S.E.C. T.I.L.A. RESPA, REGULATION Z VIOLATIONS ( See Audit ). 
There was NEVER ANY LOAN, SO HOW IS THERE ANY MORTGAE AGREEMENT? ( See Bank Statements ).
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. ()

I had to file a Consumer Proposal ( Orderly Payment of Debt ) under the bankruptcy act here in XXXX. When I did that, 5 credit cards opened fraudulently in my name. 2 from XXXX XXXX, 2 from Citibank, and 1 from XXXX totaling {$25000.00}. When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. I contacted the banks immediately, asked for the application - I was ignored. I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. My Consumer Proposal paid for them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime, and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.
Consumer complaint received 2021-10-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

Okay XXXX I am a XXXX  XXXX  I want my XXXX clear I want {$200000.00} refunded and {$65000.00} cancel because I didnt realize that the XXXX  XXXX  at all canceled as well and socially if youre working from XXXX
Consumer complaint received 2021-10-12
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I applied for an account with XXXX XXXX XXXX XXXX and will be denied if I'm unable to have this information from Chex Systems. I was told there was account reported on Chex Systems with my name, address but the wrong social security number. This account was reported by XXXX  XXXX XXXX for suspected fraud. I have been unable to get in contact with XXXX  XXXX XXXX because the phone system doesn't allow you to speak with Customer Service without a valid account number or social security number. 
I also tried to contact a local XXXX XXXX XXXX with no response. I submitted a dispute with Chex Systems and I am waiting for a response.
Consumer complaint received 2023-02-10
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. (CO)

On ( XXXX  ) 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 2023-02-10
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. (MD)

Experian - Refuse to remove items off of my credit report that does not belong to me. I have utilized their very own system from fraud alerts because I am a victim of identity theft XXXX XXXX XXXXXXXX Report XXXX XXXX XXXX its reporting by data furnished but anybody that use a social security will in a data furnished. Make it make sense also have a FTC report XXXX XXXX XXXX- reporting XXXX  acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 

XXXX XXXX XXXX XXXX reporting XXXX  acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Please proved that I lived, show me the lease and I will pay you! I never lived in this apartment where this gas was associated with also have FTC report These reporting agencies are breaking not XXXX, not XXXX but multiple FCRA laws and they are not in compliance. 
The inaccuracies on the report alone is ridiculous. This is very much against the law If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) 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 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b )
Consumer complaint received 2021-10-11
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: WELLS FARGO & COMPANY (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and I got a letter from XXXX XXXX job title clerk XXXX Bankruptcy XXXX XXXX of New Jersey, city of XXXX NJ. Stating " the courts do not report any bankruptcies to any reporting agencies. If this is the case. How did the credit bureaus verify my bankruptcy as XXXX  % accurate? They never did a fair investigation according to the 15 USC1681 15 USC1681 section 503 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to:15 U.S.C. 1681 section 602 A. States, I have the right to privacy.

According to : 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681-2 ( 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 2020-11-12
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: AMERICAN EXPRESS COMPANY (FL)

American Express has not resolved these issues even after multiple complaints concerning the excessive late fees charges which is false and excessive interest fees charges which is false and the excessive and improper total balance of {$24000.00} which has accumulated over at least 2 years with a cash advances activity on XX/XX/2019 which I have no knowledge about the cash advances nor did I take out any cash advances. American Express has failed to provide me with any information about the XX/XX/2019 cash advances that on my statements with cash advance activity. I am constantly being harass to make payments on the above balance in which they are supposed to be conducting a forensic investigation on the above total balance thats being disputed, they had added late fees and suspended my charging privileges because Im not making payments on the disputed balance which is wrong and this is in dispute and under review, until this is resolved by law they are not to be charging me late fees or harassing me to make payments when a dispute is in progress. Attached is just a few of the numerous of harassing phone calls and messages. XXXX XXXX stated to me they dont know anything about the above balance is being in dispute and thats the reason they continue to call for payment. Please inform XXXX XXXX that the total balance is being disputed and continue to be under investigation as they have already emailed to CFPB because they are not listening to me. The calls are agitating all times of the day.
Consumer complaint received 2023-07-17
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)

on XX/XX/XXXX I notified Transunion that there are unauthorized and unverifiable information being reported to my consumer report, I have to give Transunion written consent to furnish a report on my behalf I never gave them written consent so, my consumer right to privacy has been infringed upon. In light of the recent investigations brought upon Transunion Ive found that my consumer file has been tampered with. Transunion have not exercised their grave responsibilities and fairness with my consumer report according to the FCRA. Transunion is continuous reporting unverified accounts on my consumer report. XXXX did the right thing by removing the inaccurate, unverified information from my report once they saw it was violation of my consumer rights, Transunion is still reporting this information which does not line up with my other Consumer reports. For the past 2 year I have made several attempts to remind Transunion of their duty to uphold the law, my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. I have sent Transunion Certified documents under the penalties of perjury to support my claims. Transunion has infringed upon my basic consumer rights. It is their responsibility to make sure all information is accurate and in perimeters of the law. Transunion is continuing to ruin my reputation. It's unfair that i'm not able to support myself due to the things that being reported to my consumer report. Credit Reporting is voluntary and always has been according to the FCRA.
Consumer complaint received 2022-12-14
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. (MI)

My name XXXX 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: M&T BANK CORPORATION (TX)

I live in XXXX We want to make improvements to our house with a HELOC. M & T Bank doesn't offer any services for their customers in XXXX I am handcuffed because other banks I have spoken with do not offer services unless your first mortgage is with their bank. So my family can not make any renovations, save money, lower rates, increase our lifestyle because of M & T not offering us any services.
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

My loan was originally with XXXX XXXX and was sold to amerihome. Ever since the first payment in XXXX i have had problems trying to make payments. My insurance agency has also sent me letters stateing the payment was past due to them from amerihome. Ive been reaching out to them for a month because they have changed my payment from XXXX to XXXX.they told my payment went up because of taxes and insurance increase. Both are false. I went to both places and neither have gone up. I tried ro make my regular payment and they wont allow me. Ive also talked with XXXX my closing lawyer and XXXX from XXXX XXXX and they both say something is wrong but i cant get speak to no one through amerihome. They keep saying someone is going to call me back but they never do. Today is my final due date and i have my XXXX to make my payment but they wont process it. I need help. Amerihome is the most unorganized, unprofessinal place i have ever delt with.
Consumer complaint received 2023-06-05
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. (TN)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit 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 XXXX XXXX XXXX XXXX XXXX