davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo approved my company XXXX XXXX of a business line of credit twice. Both times I applied they put hard inquiries on my personal credit. Both times that I applied I was approved, however both times ( after two hard inquiries on my personal credit ) the approvals expired awaiting transcripts from the IRS that Wells Fargo failed to follow up on. Due to Wells Fargos lack of organization and follow up the approvals expired twice  after I had hard inquiries on my personal credit. When I initially inquired about the business line of credit I was strong armed into opening a business account with them that I did not want, in order to even get information about the credit line. Against my better judgment I applied once again for a business line of credit with Wells Fargo on XX/XX/XXXX. Today XX/XX/XXXX I once again called Wells Fargo to follow up with them, because nobody followed up with me after they ran another hard inquiry on my credit a third  time. I was told my application for the credit line was declined and the representative refused to give me the reason why it was declined. Very unethical and unfair practices at this bank. I now have 3 hard inquiries on my personal credit and do not have the credit line I was approved for twice.
Consumer complaint received 2023-02-18
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. (GA)

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. 

XXXX : # XXXXXXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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.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 2021-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

On XX/XX/2021 a collections company called Waypoint placed a derogatory mark on my credit report for a {$460.00} bill to XXXX communications. 

Having no knowledge of this debt, I called waypoint and spoke to an employee there who looked up the debt. She told me this was for another " XXXX XXXX '' with an address associated with a XXXX XXXX XXXX, UT address, of which I have never lived in. She then asked for the last 4 digits of my social security number and said that they didn't match the account in question.

I was then told to speak with a supervisor so that it could be removed. I've since called on 5 different occasions throughout the months of XXXX and XXXX to speak to a supervisor. Everytime I call there isn't one available, and even though I've left multiple messages, I never receive call backs. And this still shows up on my credit report. 

I've also sent a formal dispute through XXXX but they sent me a letter saying that the charges were " accurate '' even though they don't belong to me.
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. (NJ)

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion Of this account listed IMMEDIATELY! 
XXXX XXXX {$33000.00}
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

On Equifax and XXXX the only address that is correct is XXXX XXXX XXXX XXXX MI XXXX. On XXXX the only correct address XXXX XXXX XXXX XXXX MI XXXX is missing.
Consumer complaint received 2023-02-10
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. ()

Contract with XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No.- XXXX, Having paid the Fee for the Month On XX/XX/XXXX, Valued at {$400000.00}. XXXX Citibank XXXX Arbitrarily Performs XXXX ( XXXX ) Additional Unauthorized Payment Operations of the Monthly Fee of the Credit Card, The First Operation Is Performed On XX/XX/XXXX, Payment Reference XXXX. For a value of {$11000.00}. More The Second Operation It is carried out On XX/XX/XXXX, Reference Payment XXXX. For a value of {$390000.00}. For A Total of Unauthorized Payment Operations for a value of {$400000.00}. Generating Double Payment in the month of XX/XX/XXXX, XXXX Citibank XXXX must Return the Withdrawn Resource with Automatic Debit Arbitrarily from Current Account No.- XXXX. The XXXX Extract is sent as proof where the payment of {$400000.00} is observed. and the XXXX additional payments Unauthorized operations in the amount of {$400000.00}.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

I got a copy of my credit report. I wanted to dispute an account in collections i didn't know I had. When I got my results, back one of the bureaus couldn't verify so they deleted it from my credit report. The other bureau ( XXXX ) some how updated all the information as current and even my last payment made was updated to XXXX of XXXX. I've never been in contact with this company, I never made a payment and never spoke with anyone. I wrote to the bureau and asked to verify and validate the account and they never responded. Instead, they claimed to verify but never sent me any proof or any notice. Instead, I was sent a judgement from a court which I never even received a summons for. To top it off, the judgment was sent to my daughters apartment, not mine. They never sent me a validation letter, and didn't include any type of license numbers on any of these letters. I also wrote the bureau a new letter to provide me proof of last payment that they are saying I made and how they verified the account without showing me proof, showing me a contract that was signed by myself. Also, the amount on my credit report that they are saying I owe doesn't even match the amount owed in the garnishment letter. I want to sue this company on these false accusations and need help with going about it.
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, has 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 In accordance with the Fair Credit Reporting act XXXX Account Experian # XXXX, has 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
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: EQUIFAX, INC. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (PA)

I am filing a complaint about AXOS Bank. I had made 2 check deposits via a mobile device. I had to photograph 2 checks. I had received emails that confirmed my deposits went through and everything was OK. 3 days later, 1 of the deposits in the amount of {$88.00} did not go through because of the photograph, and there was a negative in my account because of this. AXOS Bank sent me an email through my account telling me to mail the check to them. I mailed the check to them on XXXX. It was almost 2 weeks, and I still never heard the status. I called the bank numerous times for updates, and I was told they never received the check back. Somebody dropped the ball because they did receive the check. 
On Monday XXXX, AXOS Bank sent me back the check in the amount of {$88.00}, and a letter telling me the check was negotiated and I will receive the funds in my account in a couple of days. Then I receive a message in my account telling me to mail the check back to AXOS Bank again so they can make the deposit. This is unacceptable. I am out of work, and I need this money ASAP. This is poor money management from a bank and poor customer service. I called the company that sent me this check, to reissue it to me again. I am finding a better bank. I also have a dispute for a charge that I never got the service for. 
I demanded numerous times to speak to a manager or CEO. Every time I called ; I was told nobody is available. Unacceptable!! This bank needs to be investigated.
Consumer complaint received 2023-02-18
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. (WA)

The Data Furnisher named XXXX XXXXXXXX XXXX XXXX used fraudulent deceptive and unlawful mean to obtain the consumer consent to disclosed and furnish private, nonpublic, personal identifying financial information about the consumer with TRANSUNION LLC whom is a third party as it relates to account number XXXX. 

The laws mentioned in the attached Affidavit of Fact Doc # XXXXXXXX XXXX XXXX XXXX XXXXXXXX that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

No such disclosures were ever provided to the consumer so no opportunity was ever offered. 

Therefore TRANSUNION is reporting private account information in the form of transactions and experiences that it has fraudulently obtained form the Data Furnisher. 

Lastly 15 USC 1681a ( d ) ( 2 ) ( A ) and RCW 19.282.202 states a consumer report does not include transactions and experiences.

Obtaining consent to disclose private identifying information by deceptive means and using that information constitutes Identity Theft pursuant to 15 USC 1681 ( q ) ( 3 ). 

I am attaching a copy of my official notarized complaint by affidavit along with proof of identity and evidence that supports my claim. 

Please be advised that a copy of this notice has been mailed via USPS certified mail return receipt.
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (TN)

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (MO)

Good afternoon. 

I'm filing this complaint with the hopes that you'll be able to step in and unwind the horrible situation that has been created by XXXX XXXX XXXX, XXXX regarding the sale of my home. 

I've been in active foreclosure for a bit - due to XXXX  and my divorce- and instead of modifying my loan prior to transferring it for service to Selene Finance, XXXX XXXX sold it 'as is. ' Subsequently, I've received letters from Selene offering assistance, but received none. 

Moving forward, I was notified of an initial sale date on my home, for XX/XX/XXXX XXXX letter from XXXX XXXX XXXX, XXXX, informing me that the sale had been postponed to XX/XX/XXXX. These attorneys are representing the BUYER/TRUSTEE and not Selene Finance . 

I've also had multiple conversations with Selene over the past couple of days and they have only ONE recorded contact by XXXX XXXX XXXX - a call made on XX/XX/XXXX, requesting a Reinstatement Amount. I was in conversation with them ( XXXX ) and expressed my ability to fully reinstate my loan, covering all past due payments, late fees, penalties, etc totaling {$83000.00}. 

But, in a follow-up conversations with XXXX XXXX XXXX XXXX, she was extremely combative and dismissive when I told her that I'd have funds available by way of my XXXX. She shut all my efforts down, claiming that the funds wouldn't be available in time to stop the sale. I could've very easily gotten a letter from my XXXX trustee guaranteeing the funds, but XXXX XXXX blocked all communication and my home, unfortunately, went to sale on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the sale has NOT yet been certified and I'm requesting intervention on your behalf to allow us the opportunity to reinstate my mortgage with Selene. I had a conversation with them this morning ( XX/XX/XXXX ) and they assured me they would escalate this file upon my submitting a written explanation and both the complaints with the CFPB and the Missouri Division of Finance. I'm available to speak with you anytime on this matter! 

Thank you so much in advance and wishing you and enjoyable rest of your day, XXXX XXXX XXXX
Consumer complaint received 2023-05-20
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: Nelnet, Inc. (NJ)

Upon review of my credit I found three personal loans totaling {$53000.00}. through DEPT OF ED/NELNET that do not belong to me. I want them removed from my credit reports on XXXX and XXXX. They are n ot on my XXXX report.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CO)

I received an alert on from my credit monitoring that I have a past due account in the amount of {$480.00} through a XXXX XXXX XXXX  credit card that was opened under my name on XXXX XXXX, XXXX. However, I never opened this account. 

I contacted the XXXX Fraud department, and they told me that there was indeed an account opened under my name. 

XXXX told me that they closed the account and marked it as fraud, and they recommended that I also open a report here. 

My credit score went from XXXX down to XXXX due to this fraud
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 is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX I submitted the following complaint. Please refer to complaint # XXXX. Equifax has not fixed this issue. This is my last attend at correcting this problem. Since XXXX, EQUIFAX has continued to give out incomplete or inaccurate information even after I requested corrections. These actions may constitute fraud under both federal and state laws. 

I will not hesitate to bringing legal action against EQUIFAX for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. I will seek actual damages, statutory damages, punitive damages, court costs, and attorneys fees. Thank you. 

Complaint # XXXX Hello. Back on XX/XX/XXXX, I had two XXXX XXXX XXXX accounts ( XX/XX/XXXX Visa ending on XXXX and XXXX XXXX XXXX ending on XXXX ). During the same month I had some fraudulent charges on my XXXX account ending on XXXX. I reported it to XXXX XXXX XXXX. They closed the account and issued a new card ( ending on XXXX ). I moved to a new address and that card never made it to me. Again, they canceled that card and re-issued a third card ( ending on XXXX ). Thats the one I currently have. Equifax has had INNACURATE information on my file since XX/XX/XXXX. According to Equifax, I have only one XXXX XXXX XXXX Account ( Visa ) ending on XXXX. I called them to tell them XXXX XXXX XXXX closed my XXXX account ( because of fraudulent charges ). But they re-issued a new card ( now ending on XXXX ). They said they have never received this new information. When I called XXXX XXXX XXXX about it, they ( XXXX XXXX XXXX ) said they have been reporting every month since then. I believe them because XXXX and XXXX do have the information right. Equifax is the only agency thats missing my new XXXX account. They are conveniently omitting this information from my credit file. This happens to be my credit card with the highest available credit ( currently at {$1600.00} ) and with a credit utilization well below 30 % ( now at {$420.00} ). This is my fourth complaint about Equifax in the last six months. Thanks for your help CFPB. 

Provided Feedback Thank you, EQUIFAX, for replying. I just received the results ( in the mail ) to your Internal Review. Let me start by saying you didnt have to do an internal review because I already gave you all the information you needed. All you are doing is confirming that I am right. My XXXX account ending on XXXX is not showing on my credit file. You didnt bother to pick up the phone and call XXXX XXXX XXXX to confirm the information I am giving you is right. I know so because I just got off the phone with them and they have not heard from you. So not only are you lying to me now, but you are also lying to the Consumer Financial Protection Bureau. You did not conduct a proper investigation which would have included calling XXXX XXXX XXXX  DIRECTLY to confirm the information. Please do so or you will be hearing from my attorney. Thank you.
Consumer complaint received 2023-07-18
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  L XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-18
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-18
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)

In accordance with the Fair Credit Reporting act XXXX XXXX and associate has 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.