davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

New checking account Citi bank promotion, {$1000.00} promotion added to a deposit of XXXX after 90 days. 180 days have passed and bonus was never paid, I have been to local branch 3 times with out resolution. I want to close account and move the funds to a Certificate of deposit however the banking associate instructed me not to close the account because I will lose any chance of getting the promotion. On top of not getting the bonus this checking account is preventing me from earning interest.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I've uploaded my court documents several times in regards to a fraudulent bankruptcy that appears on my credit reports with XXXX/experian/and XXXX that clearly explains the filing that appears was a result of identity theft and has been flagged by the federal court judge as such as of XX/XX/19. But they repeatedly refuse to remove/add a personal statement flagging the item as identity theft.
Consumer complaint received 2020-01-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

Dear Sirs. 
A XXXX citizen permanently resident in XXXX contacts you. I have a conflict with Wells Fargo bank regarding my {$4000.00}, which I ask for your help in resolving. The essence of this conflict is as follows. 
I am a law-abiding citizen, a XXXX and a XXXX person, regularly pay all taxes. The amount of {$4000.00} is very large for me, and I have been saving it for more than three years because it is equivalent to my net income for one and a half years. At the end of XX/XX/2019, in order to purchase XXXX presents for me, I wanted to transfer this money from my dollar account in XXXX to my friend in the USA on his current account with Wells Fargo bank. But due to technical errors of the employees of my bank in XXXX, the operation was performed in the amount of XXXX zlotys from my other current account. Accordingly, the amount was sent about 4 times less than I wanted. After discovering this error, my bank, with my consent, returned this amount of XXXX zlotys to my current account in XXXX, and on XX/XX/2019 I again sent the correct amount of XXXX dollars to the USA. But for some reason, this money was not credited to my friends bank account in the USA for a long time. I began to worry and on XXXX demanded through my bank a refund of this amount of XXXX dollars. However, the return was not made within a reasonable time. Therefore, on XX/XX/2019, I wrote an email to Wells Fargo bank in the name of XXXX XXXX XXXX, Senior Executive Vice President, Community Banking and Consumer Lending. But as a result of XX/XX/2019, I received a completely empty answer from another employee of this bank with a proposal to call her on the phone. I am a XXXX  citizen and XXXX, I dont have money to call the USA. Therefore, on XX/XX/2019, I filed an appeal with my bank and, just before XXXX, on XX/XX/2019, I received a response from my bank instead of a gift, which simply shocked me with its contents, that according to information received from the correspondent bank, the Wells Fargo bank refuses to return the money. Thus, Wells Fargo bank, with which I do not even have partnerships, has appropriated all my savings in more than three years. An employee of my bank in XXXX recommended that I contact the Consumer Financial Protection Bureau for help.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2023-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (PA)

Movement Mortgage LLC was disbursed home owners insurance check for XXXX. XXXX has been released after weeks of phone calls and no show, no contact with inspection company. Inspection must be done in order to release funds. XXXX returned phone call last week and put in a direct call to inspection company XXXX XXXX XXXX XXXX ). Inspection company nor mortgage company has reached back out to schedule. Thus withholding funds. I have had to use my personal savings to complete the restoration from the water damage, which has caused me to now fall behind on payments. Am requested that someone reaches out to movement mortgage to release funds that they are illegally withholding so that I can complete the work approved by the insurance company. Please also be advised I have XXXX XXXX XXXX XXXX XXXX XXXX there is black mold present due to water damage. This needs immediate attention to avoid further legal actions. Call placed today advised inspection was scheduled for XX/XX/09, but consumer, me was not contacted regarding this date. XXXX call back requested.
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Toyota financial services knowingly and willfully participated in violating federal law and continues to do so at start toyota knowingly and willfully proceeded to purchase securities tied to a fraudulent scheme from the dealership ... ... .15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code Notes prev | next Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

( Pub. L. 90321, title I, 112, May 29, 1968, 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), July 21, 2010, 124 Stat. 2107. )
Consumer complaint received 2023-01-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Bank : CapitalOne I have a XXXX Money Market Savings account that is currently paying interest of XXXX XXXX I thought it was very low and looked on their website and found that they do not show the XXXX Money Market account but now show a XXXX Performance Savings account at an interest rate of XXXX XXXX with no minimum balance. The manager I talked to could not explain any difference in the rules for the new account vs the old. 

The bank states that they have no way to retroactively make this right. My only option is to open a new account and transfer the funds after the fact. 

My complaint is that banks can simply change the name of the account and offer a higher rate while the existing customer is not notified that higher yields are possible. This practice is deceptive and only benefits the bank. It is very costly to me.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-30
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. (AZ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Received company 's answer under Complaint # XXXX Here is the list of the payments I made on the 1st Mortgage : 1st Mortgage Payments from XX/XX/XXXX to XX/XX/XXXX Account # XXXX Date : check # amount for Month of : XX/XX/XXXX XXXX {$1100.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX online* {$1200.00} for XX/XX/XXXX *Confirmation # XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX Yet they still say I'm late and reported me late from XX/XX/XXXX to credit bureaus and won't fix it? Can you please help? Thank you.
Consumer complaint received 2022-11-13
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. (IL)

I have asked the Credit Bureau to do verification of everything on my Credit report from a XXXX XXXX XXXX XXXX XXXX Account # XXXX. they have stated that everything was accurate but I have done a thorough research myself and have found improper inaccuracies on the Credit report. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-12
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)

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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 instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX
Consumer complaint received 2022-11-12
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)

In accordance with the Fair Credit Reporting act XXXX Co 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 an account without my written instructions.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I still have negative items reporting on my credit report without my consent effecting my right as a consumer. According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 6801 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies TransUnion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Consumer complaint received 2023-01-17
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Byrider Franchising, LLC (WI)

CNAC attempted to contact me regarding my brother XXXX XXXX 's debt on XX/XX/XXXX. They told me that he had a debt and that it was for a car before asking me for his current number, which they already have and have spoken to him multiple times in the past few months. It was illegal for them to contact me when they had his contact, and it was illegal for them to release details about his debt. I told them I did not authorize them to continue calling me and to remove my number, which they claimed they did. 

Nevertheless, I received a call from CNAC on XX/XX/XXXX, in which they again revealed illegal details about a debt to a third party and during which they threatened that they could call me as many times as they wanted and I could not deauthorize them for any reason. 

They then provided false statements to CFBP, lying to a federal agency about the very existence of the harrassing call.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Due to challenging financial circumstances, I filed for XXXX XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to XXXX XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither XXXX XXXX nor XXXX XXXX. At the moment, I am simply continuing to make on-time payments.
Consumer complaint received 2023-11-30
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. (MD)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase is violating me as a consumer by re-aging a misleading inaccurate account on my credit report. They are failing to comply to the FCRA. I've sent in multiple concerns and we still have a problem. They disregarded my dispute multiple times. I'm asking CFPB to help me with this situation. This account is not maximum possible accurate which is the FCRA standards.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made sure payments on this account are punctual, avoiding any instances of lateness. I'm uncertain about the reasons for the late payment remarks. As per 15 USC 1666b - Billing Error, corrections should be done.